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Below you’ll find the daily rates of our mortgage programs. If you decide to apply for a loan, remember to reach out to a Approved Lender.
First Government (MRB)
| Program | Rate (%) | APR (%) | APR Disclosure |
|---|---|---|---|
| First Government 2-Point | 6.250% | 7.281% | APR based on 2-points, 30-year term, 96.5% LTV; including PMI* |
| First Government 1-Point | 6.500% | 7.432% | APR based on 1-point, 30-year term, 96.5% LTV; including PMI* |
| First Government | 6.750% | 7.581% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
| First Government Plus ($5,000 cash down payment assistance.) |
7.125% | 7.956% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
| First Government Plus ($10,000 cash down payment assistance.) |
7.375% | 8.220% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
| First Government Plus ($15,000 cash down payment assistance.) |
7.625% | 8.476% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
First Conventional 80% AMI & Under
| Program | Rate (%) | APR (%) | APR Disclosure |
|---|---|---|---|
| First Conventional, Under 80% AMI, 2-Point | 6.375% | 7.137% | APR based on 2 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Under 80% AMI, 1-Point | 6.625% | 7.291% | APR based on 1 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Under 80% AMI | 6.875% | 7.443% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Under 80% AMI, Plus ($5,000 cash down payment assistance.) |
7.125% | 7.700% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Under 80% AMI, Plus ($10,000 cash down payment assistance.) |
7.375% | 7.957% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Under 80% AMI, Plus ($15,000 cash down payment assistance.) |
7.625% | 8.214% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
First Conventional Over 80% AMI
| Program | Rate (%) | APR (%) | APR Disclosure |
|---|---|---|---|
| First Conventional, Over 80% AMI, 2-Point | 6.500% | 7.450% | APR based on 2 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Over 80% AMI, 1-Point | 6.750% | 7.711% | APR based on 1 point, 30-year term, 97% LTV, with PMI* |
| First Conventional Over 80% AMI | 7.000% | 7.972% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Over 80% AMI, Plus ($5,000 cash down payment assistance.) |
7.250% | 8.233% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Over 80% AMI ($10,000 cash down payment assistance.) |
7.500% | 8.494% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| First Conventional, Over 80% AMI ($15,000 cash down payment assistance.) |
7.750% | 8.756% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
Flex (Ginnie Mae MBS – VA, FHA, USDA RD)
| Program | Rate (%) | APR (%) | APR Disclosure |
|---|---|---|---|
| Flex 1-Point | 7.000% | 7.946% | APR based on 1-point, 30-year term, 96.5% LTV; including PMI* |
| Flex | 7.250% | 8.093% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
| Flex Plus ($5,000 cash down payment assistance.) |
7.625% | 8.476% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
| Flex Plus ($10,000 cash down payment assistance.) |
7.875% | 8.732% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
| Flex Plus ($15,000 cash down payment assistance.) |
8.125% | 8.988% | APR based on 0 point, 30-year term, 96.5% LTV; including PMI* |
Preferred 80% AMI & Under (Conventional)
| Program | Rate (%) | APR (%) | APR Disclosure |
|---|---|---|---|
| Preferred Under 80% AMI, 2-Point | 7.000% | 7.788% | APR based on 2-points, 30-year term, 97% LTV, with PMI* |
| Preferred Under 80% AMI, 1-Point | 7.250% | 7.938% | APR based on 1-point, 30-year term, 97% LTV, with PMI* |
| Preferred Under 80% AMI | 7.500% | 8.086% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| Preferred Under 80% AMI, Plus ($5,000 cash downpayment assistance) |
7.625% | 8.214% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| Preferred Under 80% AMI, Plus ($10,000 cash downpayment assistance) |
7.875% | 8.471% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| Preferred Under 80% AMI, Plus ($15,000 cash downpayment assistance) |
8.125% | 8.728% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
Preferred (Conventional) Over 80% AMI
| Program | Rate (%) | APR (%) | APR Disclosure |
|---|---|---|---|
| Preferred Over 80% AMI 2-Point | 7.125% | 8.102% | APR based on 2-points, 30-year term, 97% LTV, with PMI* |
| Preferred Over 80% AMI 1-Point | 7.375% | 8.250% | APR based on 1-point, 30-year term, 97% LTV, with PMI* |
| Preferred Over 80% AMI | 7.625% | 8.395% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| Preferred Over 80% AMI, Plus ($5,000 cash downpayment assistance) |
7.750% | 8.524% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| Preferred Over 80% AMI, Plus ($10,000 cash downpayment assistance) |
8.000% | 8.782% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
| Preferred Over 80% AMI, Plus ($15,000 cash downpayment assistance) |
8.250% | 9.040% | APR based on 0 point, 30-year term, 97% LTV, with PMI* |
Preferred ROCS
| Program | Rate (%) | APR (%) | APR Disclosure |
|---|---|---|---|
| Preferred ROCs | 7.750% | 8.343% | APR based on 0 point, 30-year term, 95% LTV, with PMI. Standard MI rates apply to over 80% AMI income.* |
*APR = Annual Percentage Rates and interest rates are based on current pricing and are subject to change at any time without notice. Daily rates are based on a set of loan assumptions ($250,000.00 loan amount, 97% LTV for Preferred, 96.5% for FHA, 30 years loan term, owner-occupied, a single-family residence or a multi-family up to 4 units, for purchase in New Hampshire (in first lien position). Mortgage insurance may be required depending on loan guidelines (below 80% AMI income limit, 700 FICO, 18% mortgage insurance coverage. Over 80% to 140% AMI income limit, 31% mortgage insurance coverage). If mortgage insurance is required, the mortgage insurance premium could increase the APR, interest rate and the monthly mortgage payment.
All loans are subject to approval; fees used for APR calculation are averaged based on current lending partners average fee costs. Individual lenders may have different fees which can affect the APR.