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Today's Mortgage Rate Information
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Adjustable Rate Loans |
Rate |
Points |
APR |
Loan/Value |
CAPS |
| 1 Year ARM or Convertible ARM* |
3.000% |
2 |
4.428% |
80% |
2/6 |
|
3.750% |
1 |
4.407% |
80% |
2/6 |
|
4.75% |
0 |
4.408% |
80% |
2/6 |
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| 3/1 Fixed/Adjustable |
4.50% |
2 |
4.578% |
80% |
2/6 |
|
4.75% |
1 |
4.550% |
80% |
2/6 |
|
4.99% |
0 |
4.521% |
80% |
2/6 |
|
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|
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|
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| 5/1 Fixed/Adjustable |
4.875% |
2 |
4.736% |
80% |
2/6 |
|
5.125% |
1 |
4.743% |
80% |
2/6 |
|
5.375% |
0 |
4.749% |
80% |
2/6 |
|
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| 7/1 Fixed/Adjustable |
5.000% |
2 |
4.858% |
80% |
2/6 |
|
5.250% |
1 |
4.894% |
80% |
2/6 |
|
5.50% |
0 |
4.931% |
80% |
2/6 |
|
|
|
|
|
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| 9/1 Fixed/Adjustable |
5.125% |
2 |
4.999% |
80% |
2/6 |
|
5.375% |
1 |
5.061% |
80% |
2/6 |
|
5.625% |
0 |
5.123% |
80% |
2/6 |
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First Time Homebuyer |
| 5/1 First Time Home Buyer |
5.125% |
0 |
4.654% |
97% |
2/6 |
| 7/1 First Time Home Buyer |
5.250% |
0 |
4.805% |
97% |
2/6 |
| 9/1 First Time Home Buyer |
5.375% |
0 |
4.971% |
97% |
2/6 |
| NOTE: All above adjustable rates have a margin of 2.75%. |
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All rates, terms and conditions are subject to change at any time without notice. Rockville Bank refinances may qualify for further discounts. All terms and rates will be confirmed by Rockville Bank on receipt of your application. |
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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. |
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PMI is required on all mortgage loans with loan to values of over 80%. |
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All mortgage rates and points assume that the loan will be used to purchase or refinance a single family owner occupied property in the first lien position. 1-4 family owner occupied property only. Other restrictions may apply. |
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All loans are subject to credit approval. |
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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.
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Additional Information
1/1-Year ARM Program – The interest rate, APR and payment are subject to increase and will change after the loan is established based on market-driven changes to the index. An example, for a 30-year 1/1-Year ARM loan (assuming a 20% down payment) at a start rate offered as of June 6, 2008, of 3.000%, with an APR is 4.887%, the payment schedule per $100,000.00 would be 12 payments of $421.61, 347 payments of $526.10, and 1 payment of $524.12 |
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3/1-Year ARM Program – The interest rate, APR and payment are subject to increase and will change after the loan is established based on market-driven changes to the index. An example, for a 30-year 3/1-Year ARM loan (assuming a 20% down payment) at a start rate offered as of June 6, 2008, of 4.500%, with an APR is 4.962%, the payment schedule per $100,000.00 would be 36 payments of $506.69, 323 payments of $527.49, and 1 payment of $526.81. |
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5/1-Year ARM Program – The interest rate, APR and payment are subject to increase and will change after the loan is established based on market-driven changes to the index. An example, for a 30-year 5/1-Year ARM loan (assuming a 20% down payment) at a start rate offered as of June 6, 2008, of 4.875%, with an APR is 5.053%, the payment schedule per $100,000.00 would be 359 payments of $529.21 and 1 payment of $527.77. |
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7/1-Year ARM Program – The interest rate, APR and payment are subject to increase and will change after the loan is established based on market-driven changes to the index. An example, for a 30-year 7/1-Year ARM loan (assuming a 20% down payment) at a start rate offered as of June 6, 2008, of 5.000%, with an APR is 5.116%, the payment schedule per $100,000.00 would be 84 payments of $536.83, 275 payments of $530.57, and 1 payment of $526.34. |
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9/1-Year ARM Program – The interest rate, APR and payment are subject to increase and will change after the loan is established based on market-driven changes to the index. An example, for a 30-year 9/1-Year ARM loan (assuming a 20% down payment) at a start rate offered as of June 6, 2008, of 5.125%, with an APR is 5.205%, the payment schedule per $100,000.00 would be 108 payments of $544.49, 251 payments of $532.77, and 1 payment of $530.00. |
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| Fixed Rate Loans |
Rate |
Points |
APR |
Loan/Value |
| 30 year |
5.875% |
2 |
6.064% |
80% |
|
6.125% |
1 |
6.221% |
80% |
|
6.375% |
0 |
6.376% |
80% |
| 20 year |
5.625% |
2 |
5.874% |
80% |
|
5.875% |
1 |
6.000% |
80% |
|
6.125% |
0 |
6.126% |
80% |
| 15 year |
5.375% |
2 |
5.687% |
80% |
|
5.625% |
1 |
5.782% |
80% |
|
5.875% |
0 |
5.877% |
80% |
First Time Home Buyer
30 years Fixed Rate |
6.125% |
0 |
6.126% |
97% |
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All rates, terms and conditions are subject to change at any time without notice. Rockville Bank refinances may qualify for further discounts. All terms and rates will be confirmed by Rockville Bank on receipt of your application. |
|
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 or refinance 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. |
|
*** |
Important Information: The Fixed Rate Annual Percentage Rates and Payment Examples are based on a loan amount of $100,000.00, with 20% down payment.
30 Year - 2 points, with an interest rate of 5.625%, 5.811% APR results in a monthly payment of $575.66 per $100,000.00 borrowed.
20 Year - 2 points, with an interest rate of 5.375%, 5.622% APR results in a monthly payment of $680.85 per $100,000.00 borrowed.
15 Year - 2 points, with an interest rate of 5.125%, 5.435% APR results in a monthly payment of $797.32 per $100,000.00 borrowed.
First Time Home Buyer 30 Year - 0 points, with an interest rate of 5.875%, 5.876% APR results in a monthly payment of $591.54 per $100,000.00 borrowed. | |
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Today's Home Equity Rates
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| Fixed Rate Home Equity |
Rates/APR |
Term |
| |
5.750% |
80% LTV THREE YEARS |
|
5.750% |
80% LTV FIVE YEARS |
|
5.990% |
80% LTV TEN YEARS |
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6.240% |
80% LTV FIFTEEN YEARS |
| Financing available for 1-4 family owner occupied properties. Property Insurance required. Rate subject to change. All loans are subject to credit approval. |
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Important Information: The Annual Percentage Rate (APR) & Payment Examples are based on a loan amount of $1,000.00 with an 80% Loan to Value (LTV).
15 year fixed, 0 points, with an interest rate of 5.99%, 5.99% APR results in a monthly payment of $8.44 per $1,000.00 borrowed.
10 year fixed, 0 points, with an interest rate of 5.99%, 5.99% APR results in a monthly payment of $11.10 per $1,000.00 borrowed.
5 year fixed, 0 points, with an interest rate of 5.75%, 5.75% APR results in a monthly payment of $19.22 per $1,000.00 borrowed.
3 year fixed, 0 points, with an interest rate of 5.75%, 5.75% APR results in a monthly payment of $30.31 per $1,000.00 borrowed. | Call one of our branches for Home Equity Lines of Credit information. |
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Today's Consumer Loan Rates
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Rates/APR |
Term |
| Personal Loan |
12.000% |
Maximum Term 48 mo. |
| 48 monthly payments of $27.45 per $1,000.00 borrowed. |
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| PC for Kids Loan |
7.00% |
Maximum Term 36 mo. |
|
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Maximum Loan $3,000 |
| 36 monthly payments of $30.88 per $1,000.00 borrowed. |
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| Automobile Loans |
|
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| New/Used 08’ 07’ |
5.84% |
Maximum Term 66 mo. |
| New/Used 06' 05' |
6.24% |
Maximum Term 60 mo. |
| New/Used 04' 03' |
7.24% |
Maximum Term 60 mo. |
| Call for LTV |
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66 monthly payments at 5.84% APR result in a payment of $17.75 per $1,000.00 borrowed. |
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60 monthly payments at 6.24% APR result in a payment of $19.44 per $1,000.00 borrowed. |
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60 monthly payments at 7.24% APR result in a payment of $19.91 per $1,000.00 borrowed. |
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Up to 100% MSRP Financing Available on New & Used Vehicles.
Additional .25% off current auto rate with automatic withdrawal of the monthly loan payment.
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