FIRST TIME HOMEBUYER PROGRAM                            
 
Buying your first home may be one of the most important purchases in your life.  Home ownership has been a great investment and we want to help you get started.  Our First Time Homebuyer product offers no application or appraisal fees. This product provides a discounted rate with flexible underwriting guidelines.
 
**Your interest rate is not locked until the Rockville Bank Mortgage Rate Lock Agreement is signed in the presence of a bank representative.

Rates as of Monday, March 4, 2013

PointsInterest RateAnnual Percentage RateFully Indexed RatePaymentsApply
30 Year Fixed
5/1 ARM - 30 Year Term
7/1 ARM - 30 Year Term
9/1 ARM - 30 Year Term

All rates, terms and conditions are subject to change at any time without notice.  All terms and rates will be confirmed by Rockville Bank on receipt of your application.
The terms of the loan you apply for may change depending on the Loan to Value (LTV), Credit Score and other factors.
All annual percentage rates (APRs) assume a 20% down payment and are based on a $100,000.00 loan amount with no Private Mortgage Insurance (PMI) and no discounts.
PMI is required on all mortgage loans with loan to values of over 80%.
All mortgage rates and points assume that the loan will be used to purchase a single family owner occupied property in the first lien position. 1-4 family owner occupied property only. Other restrictions may apply.
All loans are subject to credit approval.

***
Adjustable Rate Mortgages (ARM's) rate of interest may increase or decrease during the life of the loan. An increase of the interest rate will result in a higher monthly payment.

Note: All adjustable rate mortgages have a margin of 2.75%.