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Real Estate Loan Rates

Real Estate Loan Rates

Conventional Mortgage Loans

Mortgage Term	Interest Rate Starting At	APR Starting at*	Payment per $150,000**	Cost
Mortgage Term 30 Year Fixed	Interest Rate Starting At 5.750%	APR Starting at* 5.901%	Payment per $150,000** $875	Cost $375
Mortgage Term 20 Year Fixed	Interest Rate Starting At 5.500%	APR Starting at* 5.715%	Payment per $150,000** $1,032	Cost $563
Mortgage Term 15 Year Fixed	Interest Rate Starting At 5.250%	APR Starting at* 5.459%	Payment per $150,000** $1,206	Cost $0
Mortgage Term 7/1 ARM 30 Year^	Interest Rate Starting At 5.990%	APR Starting at* 6.852%	Payment per $150,000** $898	Cost $0
Mortgage Term 5/1 ARM 30 Year^	Interest Rate Starting At 5.625%	APR Starting at* 6.885%	Payment per $150,000** $863	Cost $0
Mortgage Term 3/1 ARM 30 Year^	Interest Rate Starting At 5.500%	APR Starting at* 7.114%	Payment per $150,000** $852	Cost $0

°Cost equals discount points paid.

*Annual Percentage Rates (APRs). Rates quoted are based on a purchase transaction of $200,000, loan-to-value of 75%, primary residence, and a credit score of 740 or higher. All interest rates, APRs, and cost are indications only and are subject to change without notice. Contact our Mortgage team at infinitylending@infinitycu.com for more information.

**Payments are only examples. Taxes & insurance premiums are not included in the payment, if included the actual payment obligation will be greater. The payment listed based on borrowing $150,000 amortized over 30 years. Rates may vary based on loan size & geographical location. Loans with a loan to value greater than 80% may require private mortgage insurance, which will increase the monthly payment amount.

^Adjustable Rate Mortgages are subject to change and may increase following the conclusion of the fixed period stated above. Rates, terms and conditions subject to change at any time.

Fixed Rate Home Equity Loan

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% of Home Value	APR as low as*	Terms
% of Home Value Up to 80%	APR as low as* 5.74%	Terms 5 Year or 10 Year
% of Home Value Up to 90%	APR as low as* 6.24%	Terms 5 Year or 10 Year
% of Home Value Up to 100%	APR as low as* 6.99%	Terms 5 Year or 10 Year

Other Home Loans

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Loan Type	Term	APR as low as*
Loan Type Land Loan	Term Fixed rate, 60 months. (Terms up to 120 months).	APR as low as* 10.99%*
Loan Type Manufactured Home Loans	Term Financing of mobile homes available; call for scenario pricing	APR as low as* Call: 207-854-6000 ext. 4110

Variable Rate Home Equity Line of Credit (HELOC)

Home Equity Loan & Line of Credit

% of Home Value	*APR (as low a)	Draw Period
% of Home Value Up to 80%	APR (as low a) 5.49%	Draw Period 120 months
% of Home Value Up to 90%	APR (as low a) 5.74%	Draw Period 120 months
% of Home Value Up to 100%	*APR (as low a) 6.49%	Draw Period 120 months

Disclosures:

*Annual Percentage Rate = APR. For all terms: Rates effective for qualifying Maine properties up to 80% of home’s value; other rates available up to 90% of home’ value. Jumbo mortgage rates available upon request.

**Home Equity APR based on Prime Rate plus a margin, and is based on equity and credit history. Prime rate can vary daily; your APR will adjust as Prime changes. Floor is 3.00%, ceiling is 18.00%.

Rates effective as of November 3, 2021