Rates Effective:  

 

Conforming Fixed Rate Mortgage
Term Points Rate APR1 Payment per $1,000
30 Year Fixed Rate 0 4.000% 4.057% $4.77
20 Year Fixed Rate 0 3.875% 3.954% $5.99
15 Year Fixed Rate 0 3.625% 3.725% $7.21
10 Year Fixed Rate 0 3.375% 3.519% $9.83

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1 APR: Annual Percentage Rate. Posted APRs are calculated assuming a single family property, 20% down payment for purchases, credit score of 740 or better, automatic payment and tax escrow, and no subordinate financing. Property must be an owner occupied 1-4 family property located in Massachusetts or within 100 miles of the Somerville branch. Maximum loan to value of 95% with PMI. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and secondary market guidelines. Other loan options available. Payment shown does not include taxes and insurance. Your payment may be greater. Additional terms and conditions may apply. Pricing adjustments may apply based upon credit score, LTV, loan characteristics and/or property type.

High Balance Fixed Rate Mortgage
Term Points Rate APR1 Payment per $1,000
30 Year Fixed Rate 0 4.250% 4.308% $4.92
20 Year Fixed Rate 0 4.000% 4.079% $6.06
15 Year Fixed Rate 0 3.625% 3.725% $7.21
10 Year Fixed Rate 0 3.375% 3.519% $9.83

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Additional High Balance Fixed Rate Mortgage
Loan Limits Conforming High Balance
1 Family & Condo $484,350 $688,850
2 Family $620,200 $881,850
3 Family $749,650 $1,065,950
4 Family $931,600 $1,324,750

1 APR: Annual Percentage Rate. Posted APRs are calculated assuming a single family property, 20% down payment for purchases, credit score of 740 or better, automatic payment and tax escrow, and no subordinate financing. Property must be an owner occupied 1-4 family property located in Massachusetts or within 100 miles of the Somerville branch. Maximum loan to value of 95% with PMI. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and secondary market guidelines. Other loan options available. Payment shown does not include taxes and insurance. Your payment may be greater. Additional terms and conditions may apply. Pricing adjustments may apply based upon credit score, LTV, loan characteristics and/or property type.

Conventional & Jumbo Adjustable Rate Mortgage
Term Points Rate APR1 Cost/$1,000
5/1 0 3.750% 4.796% $4.63
7/1 0 4.125% 4.805% $4.85
10/1 0 4.500% 4.878% $5.07

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1 APR: Annual Percentage Rate. Posted rates are for credit scores greater than or equal to 740, LTV less than or equal to 80% for a one unit, owner occupied property in a purchase or refinance with no subordinate financing and an auto debit from a Naveo deposit account. Property must be located in Massachusetts. These rates available for loans up to $1 million. Must meet Secondary Market guidelines to qualify for best rate available. Rates and APRs may change at any time and vary according to the property and loan characteristics.

Home Equity Line of Credit Premium Pricing
Term APR1
10 Year Draw Period 2.49%
10 Year Term Fixed for the first 12 months
  • No closing costs or application fee*
  • Interest may be tax deductible

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1 APR: Annual Percentage Rate. The first 12 months is a fixed introductory rate of 2.49% APR. After the introductory period, the APR will adjust monthly at the Wall Street Journal prime rate minus 0.50%. As of 09/19/2019, the prime rate is 5.00% as published in the Wall Street Journal. Prime rate for the remaining term of the line may change monthly. APR may vary but will not drop below 4.50% or exceed 18.00%. Approval subject to Naveo lending criteria and Naveo membership eligibility. Minimum approved credit line or loan is $5,000. Maximum approved credit line or loan is $250,000. Minimum credit score of 720. Maximum combined loan to value of 80%. Property must be 1- 4 family owner occupied or single-family vacation property located within 100 miles of the Somerville branch. Property insurance is required. All lines will be assessed a $45 annual fee. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Additional terms and conditions may apply. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and other loan characteristics.

* No closing cost option requires minimum line limit of $25,000 and minimum initial advance for first 90 days of $15,000. Early payment, within the first 36 months, may require repayment of closing costs.

Home Equity Line of Credit Standard Pricing
Term APR1
10 Year Draw Period 5.00%
10 Year Term Fixed for the first 12 months
  • No closing costs or application fee*
  • Interest may be tax deductible

Apply Now!HELOC FAQsCalculator

1 APR: Annual Percentage Rate. As of 09/19/19, the prime rate is 5.00% as published in the Wall Street Journal. Prime rate for the remaining term of the line may change monthly. APR may vary but will not drop below 5.00% or exceed 18.00%. Approval subject to Naveo lending criteria and Naveo membership eligibility. Minimum approved credit line or loan is $5,000. Maximum approved credit line or loan is $250,000. Minimum credit score of 700. Maximum combined loan to value of 80%. Property must be 1- 4 family owner occupied or single-family vacation property located within 100 miles of the Somerville branch. Property insurance is required. All lines will be assessed a $45 annual fee. Rates and APRs may change at any time and vary according to the property and loan characteristics. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Additional terms and conditions may apply. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and other loan characteristics.

* No closing cost option requires minimum line limit of $25,000 and minimum initial advance for first 90 days of $15,000. Early payment, within the first 36 months, may require repayment of closing costs.

Fixed Home Equity Loan Premium Pricing
Term Rate APR1 Payment per $1,000
20 Year 5.250% 5.250% $6.74
15 Year 4.750% 4.750% $7.78
10 Year 4.500% 4.500% $10.36
7 Year 4.250% 4.250% $13.78
5 Year 4.000% 4.000% $18.42
3 Year 3.750% 3.750% $29.41

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1 APR: Annual Percentage Rate. Posted APRs are calculated assuming maximum 80% LTV and credit score of 720 or better. Property must be an owner occupied 1-4 family or single-family vacation property located in Massachusetts or within 100 miles of the Somerville branch. Property insurance is required. Rates and APRs may change at any time and vary according to the property and loan characteristics. Auto debit from account is required. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and the loan characteristics.

* No closing cost option requires minimum loan of $25,000. Subject to prepayment penalty if HELOAN is closed within first 36 months.

Fixed Home Equity Loan Standard Pricing
Term Rate APR1 Payment per $1,000
20 Year 5.750% 5.750% $7.02
15 Year 5.250% 5.250% $8.04
10 Year 5.000% 5.000% $10.61
7 Year 4.750% 4.750% $14.12
5 Year 4.500% 4.500% $18.64
3 Year 4.250% 4.250% $29.64

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1 APR: Annual Percentage Rate. Posted APRs are calculated assuming maximum 80% LTV and credit score of 720 or better. Property must be an owner occupied 1-4 family or single-family vacation property located in Massachusetts or within 100 miles of the Somerville branch. Property insurance is required. Rates and APRs may change at any time and vary according to the property and loan characteristics. Auto debit from account is required. Approval subject to Naveo lending criteria and Naveo membership eligibility. Consult your tax advisor regarding the tax benefits available to you. Pricing adjustments may apply based upon credit score, CLTV, debt ratios and the loan characteristics.

* No closing cost option requires minimum loan of $25,000. Subject to prepayment penalty if HELOAN is closed within first 36 months.