Personal Bank Account Rates

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Fixed Mortgage Rates

Effective as of 2/6/2023

Term	Rate	APR¹	Monthly P&I ²Payment (per $1,000)
30-Year Fixed Rate SPECIAL³	5.750%	5.815%	$5.84 (360 payments)
30-Year Fixed Rate⁴	6.250%	6.319%	$6.16 (360 payments)
20-Year Fixed Rate⁴	5.875%	5.962%	$7.09 (240 payments)
15-Year Fixed Rate⁴	5.875%	5.985%	$8.37 (180 payments)

All rates are subject to change without notice. Payment amounts on the above products do not include taxes and insurance. Your payments may be greater. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

¹Annual Percentage Rate (APR) is based on a single-family primary residence property and is subject to change based on factors such as points, loan amount, loan-to-value, borrowers credit, property type, and occupancy. All rates subject to change without notice. Subject to credit approval.

²Principal and Interest (P&I)

³Annual Percentage Rate (APR) above is based on a loan amount of $400,000, for owner-occupied property or 2^nd homes with a 80% or lower Loan to Value (LTV) and FICO Score of 700 or 75% or lower LTV and FICO Score of 680. The property is located in MA or Southern New Hampshire. Rates may vary based on other scenarios. Private Mortgage Insurance (PMI) is required if the down payment is less than 20%.

⁴Annual Percentage Rate (APR) above is based on a loan amount of $400,000, single-family primary residence purchase transaction with a loan to value of 80% or less and a FICO Score of 740. The property is located in MA or Southern New Hampshire. Rates may vary based on other scenarios. Private Mortgage Insurance (PMI) is required if the down payment is less than 20%.

Adjustable-Rate Mortgage Rates

Effective as of 2/6/2023

Product	Term	Initial Interest Rate	Fully Indexed Rate ^*	Points	APR¹	Monthly P&I² Payment (per $1,000)
5/6 ARM³	30 years	4.750%	7.250%	0.250	6.337%	60 payments of $5.22 300 payments of $6.61
7/6 ARM³	30 years	4.990%	7.250%	0.250	6.185%	84 payments of $5.36 276 payments of $6.56

All rates are subject to change without notice. Payment amounts on the above products do not include taxes and insurance. Your payments may be greater. If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

* The Fully Indexed Rate is rounded to the nearest 1/8.

1 Annual Percentage Rate (APR) is based on a single-family primary residence property with a loan amount of $400,000 and using the current 30-day SOFR average index. APR is subject to change based on factors such as points, loan amount, loan-to-value, borrower’s credit and property type. All rates are subject to change without notice. Subject to credit approval.

2 Principal and Interest (P&I)

3 Adjustable Rate Mortgage (ARM) Rates are available on a 1 unit, primary residence, purchase or rate and term refinance up to the conforming loan limit. Maximum loan to value of 80% and with a FICO Score of 700 or a loan to value of 75% and with a FICO Score of 680. Rates may vary based on other scenarios. All rates are subject to change without notice. The adjustable rate programs are based on a 30-year term. Rates and payments after the initial fixed period (number of payments 61-360 or 85-360) on ARM programs are based on the margin plus the current index. The interest rate on adjustable rate programs may increase after the initial term, the rate may change every 6 months and is based on the 30-day SOFR average index as published by the Federal Reserve Bank of New York plus a margin of 3.00%. StonehamBank updates the SOFR index weekly each Wednesday. Subject to credit approval.