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Your home loan is likely the single largest financial commitment you'll ever make. Cars, boats, not even the cost of a college education have as much impact on you as the act of buying a home.
And mortgage loans aren't what they used to be. Thirty years ago, you could only select from a few options the local bank had to offer. Now, mortgage companies have access to hundreds of loan products, from dozens of lenders. Conventional mortgages, FHA, VA, Jumbo, fixed rate, portfolio, no-doc, adjustable rate mortgages ... all with different terms, different rates, different requirements, and a different impact on your life.
That's where Regency Mortgage can help you. Because we have access to so many loan programs, you don't have to force yourself into a one-size-fits-all bank mortgage. And if you care about the community you plan to live in, you'll love working with us. We deliver "Advice With Purpose," focused on serving your needs while also acting as responsible local and global citizens.
Let one of our Mortgage Planners for New Hampshire, Maine, Massachusetts, Connecticut, Rhode Island, or Florida help you find the mortgage loan program that's best for you.
| Program | Interest | APR | Points | Min. Down | |
|---|---|---|---|---|---|
| 15 Year Fixed | 5.750% | 5.86% | 0.00 | 5.00% | |
| 15 Year Fixed | 5.500% | 5.60% | 1.00 | 5.00% | |
| 15 Year Fixed | 5.250% | 5.43% | 2.00 | 5.00% | |
| 30 Year Fixed | 6.125% | 6.19% | 0.00 | 5.00% | |
| 30 Year Fixed | 5.875% | 5.94% | 1.00 | 5.00% | |
| 30 Year Fixed | 5.625% | 5.69% | 2.00 | 5.00% | |
| 5/1 ARM Jumbo | 6.250% | 5.57% | 1.00 | 5.00% | |
| FHA 30 Year Fixed | 6.000% | 6.06% | 0.00 | 2.25% | |
| NHHFA w/grant | 6.600% | 7.21% | 0.00 | 1.00% | |
| VA 30 Year Fixed | 6.000% | 6.06% | 0.00 | 0.00% | |
| †Rates not guaranteed, subject to change without notice. All rates quoted with a 30 day guaranteed lock. APR's are calculated at an 80% LTV using a $200,000 loan amount ($450,000 for the jumbo product). Rates apply to 720 credit score and higher. | |||||