Easy Way Equity Loan Mortgage AlternativeRefinance your mortgage the easy way.
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St. Mary's Bank Easy Way Equity Loan Mortgage Alternative:
St. Mary's Easy Way Equity Loan let's you take advantage of today's unbelievably low rates without losing time to the traditional refinancing process. It's a perfect fit for anyone who wants to be mortgage-free faster.
1 Annual Percentage Rate (APR) accurate as of 3/4/13. APR based on $88,500 loan with 120 monthly payments of $875 and reflects 0.50% discount with automatic funds transfer from a St. Mary’s Bank checking account. Payment example does not include escrow for property related taxes and insurance that must be paid separately. Rate and terms may change at any time. Offer subject to change without notice. Min. loan $50,000, Max. loan $417,000. Must be in first lien position. 1-4 family owner-occupied, primary residence properties in NH only. St. Mary’s Bank second mortgages permitted on subject property at time of closing. Loan-to-value (LTV) ratio up to 85% for credit scores of 730 and above; up to 80% for credit scores 729 and below. Not available for homes currently for sale. If loan is paid in full and closed within 3 years of activation, prepayment fee of $750 applies. Property insurance required. Flood insurance may be required. Properties held in trust subject to $175 fee. Payoffs to lenders other than St. Mary’s Bank subject to $50 discharge tracking fee. Other rates and terms (up to 180 months) available. Applications subject to credit approval. St. Mary’s Bank is a member-owned credit union. Membership is open with purchase of one share of capital stock for $5. Federally insured by the NCUA.