Selected Loan Interest Rates

Check out our selected rates below. If you don't see what you're looking for, call us.

We also lend for mobile homes, land, construction, seasonal properties, businesses and Maine State Housing Authority! We often have specials available, including special rates or terms and low down-payment options for qualified buyers.

We'd love to give you the details for the loan that would best fit your needs!

Loan Rates effective as of 5/23/2018

Rate Points APR * Payment
per $1000
Number of
Monthly Payments

15-Year fixed - Standard Purchase or Refinance **

4.375%

0%

4.435%

$7.59

180

         

20-Year Fixed Rate - Standard Purchase or Refinance **

4.625%

0%

4.672%

$6.39

240

         

30-Year Fixed Rate - Standard Purchase or Refinance **

4.875%

0%

4.910%

$5.29

360

         

3-Year ARM, 30-Year Term

5.000%

0%

5.031%

$5.37

36

5.000%

0%

5.000%

$5.37

324

         

10-Year ARM, 30-Year Term (fixed for first 10 years, adjusts every 3 years thereafter)

5.990%

0%

6.023%

$5.99

120

5.000%

0%

5.000%

$5.52

240

         
  • Rates change frequently. Interest rates, annual percentage rates (APRs) and discount points shown are subject to change without notice. Contact us for the most current rate.

  • The monthly payment amount shown includes principal and interest. Your actual monthly payment will be higher if mortgage insurance and/or an escrow impound account is established or required.

  • Your APR will vary based on your final loan amount and finance charges.

  • The payments do not include amounts for taxes and insurance premiums, if applicable, and the actual payment obligation will be greater.

* APR (Annual Percentage Rate) assumes prepaid fees of $350 to lender.

** APR (Annual Percentage Rate) quoted for this product assumes credit score of 740, and 60% loan to value with no private mortgage insurance required.

Additional Information about Adjustable Rate Mortgages (ARM): The APR, interest rate and principal, and interest payment are subject to increase and will change after the loan is closed due to market-driven changes to the index. Interest rate adjustment caps of 2% per adjustment period and 6% over the life of the loan apply. Other payment terms are available.

Please Note:

We do business primarily in Western and Central Maine with commercial only services offered in Ellsworth. Our Main Office is in Farmington and we have branches in Rumford, Rangeley, Skowhegan, Jay, Wilton and Mt. Blue Campus.