MORTGAGE RATES as of September 24, 2021

FIXED RATES

 5% Minimum Down Payment Required for 1-2 Family Owner Occupied**  25% Minimum Down Payment Required for 3-4 Family Owner Occupied  Purchase or Refinance Current Index Value

One Year US Treasury Bill: 0.07 Term Months Points Rate APR Payment Per $1,000* 30 360 2 2.750% 2.97% $4.08 30 360 1 2.875% 3.02% $4.15 30 360 0 3.000% 3.07% $4.22 Maximum Loan Amount

20 240 2 2.625% 2.94% $5.36 1 Family: $548,250 2 Family: $702,000 20 240 1 2.750% 2.95% $5.42 3 Family: $848,500 20 240 0 2.875% 2.96% $5.48 4 Family: $1,054,500 15 180 2 2.375% 2.77% $6.61 Jumbo Loans: For loan amounts 15 180 1 2.500% 2.75% $6.67 greater than above, add 0.25% 15 180 0 2.625% 2.74% $6.73 to the published rate

10 120 0 2.500% 2.66% $9.43

Annual Percentage Rate (APR) is based on 20% down payment and a credit score > 740. Your APR, rate, and down payment may be different than shown above. Rates are specific to each transaction and may increase based on credit score, loan to value (LTV), property type and other factors. Fixed rate loans may be sold on the secondary market and must comply with all investor guidelines. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $50,000. Homeowners insurance and flood insurance (if applicable) is required. Condominiums must be Fannie Mae approved. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. **15% minimum down payment required on 2 Family.

ADJUSTABLE RATES

• 30 Year Maximum Term / 5% Minimum Down Payment Required / 1-2 Family Owner Occupied** • Purchase or Refinance Payment Per $1,000 Product Points Caps Rate APR Margin Payment Per $1,000* Fully Indexed* 5-1 ARM 0 2/6 2.990% 3.15% 3.000% $4.21 $4.28 7-1 ARM 0 2/6 3.250% 3.24% 3.000% $4.35 $4.28 10-1 ARM† 0 2/6 3.500% 3.41% 3.000% $4.49 $4.28 10-1 ARM 0 2/6 3.625% 3.49% 3.000% $4.56 $4.28

Annual Percentage Rate (APR) is based on 20% down payment. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Private Mortgage Insurance (PMI) is required on loans with less than 20% down payment. Minimum loan $50,000. Homeowners insurance and flood insurance (if applicable) is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater. **15% minimum down payment required on 2 Family loans. †This product is for new home purchases only.

CONSTRUCTION RATES

 30 Year Maximum Term  20% Minimum Down Payment Required  Single Family Owner Occupied Payment Per $1,000 Product Points Caps Rate APR Margin Payment Per $1,000* Fully Indexed* 5-1 ARM 0 2/6 3.500% 3.34% 3.000% $4.49 $4.28 7-1 ARM 0 2/6 3.750% 3.51% 3.000% $4.63 $4.28 10-1 ARM 0 2/6 4.125% 3.84% 3.000% $4.85 $4.28

Annual Percentage Rate (APR) is based on 20% down payment. Minimum loan $50,000. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. Homeowners insurance and flood insurance (if applicable) is required. Licensed general contractor is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater.

P.O. Box 1345, Greenfield, MA 01302-1345 | 877-682-0334 | Apply online at www.BestLocalBank.com Member FDIC All rates and products subject to change without notice. Member DIF Page 1 of 2

MORTGAGE RATES as of September 24, 2021

LAND LOAN

 30% Minimum Down Payment Required / 70% Maximum LTV  15 Year Maximum Term Payment Per $1,000 Product Points Caps Rate APR Margin Payment Per $1,000* Fully Indexed* FIXED 0 N/A 5.500% 5.64% N/A $8.17 N/A 1 Year ARM 0 2/6 4.750% 4.27% 4.000% $7.78 $7.45

Annual Percentage Rate (APR) is based on 30% down payment. Minimum loan $50,000. Your APR may be different. Adjustable Rate Mortgage (ARM), the APR may increase after consummation. On improved land - town road frontage with electric facilities. Flood insurance (if applicable) is required. *Payments do not include real estate taxes or insurance. Your payment obligation will be greater.

FOR QUESTIONS, CONTACT OUR MORTGAGE ORIGINATORS

Melissa Tetreault Jessica O’Clair Kimberlee Gates

NMLS #436671 NMLS #1393225 NMLS #2061090 413-772-5000 ext 221 413-772-5000 ext 200 413-772-5000 ext 116

[email protected] [email protected] [email protected]

Dawn Hibbert Jenicca Gallagher

NMLS #991347 NMLS #454531 413-584-5266 413-658-0073

[email protected] [email protected]

P.O. Box 1345, Greenfield, MA 01302-1345 | 877-682-0334 | Apply online at www.BestLocalBank.com Member FDIC All rates and products subject to change without notice. Member DIF

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