| Mortgage Program | Points | Interest Rate | APR* | # of Payments in Months | Estimated P&I |
|---|---|---|---|---|---|
| First Time Homebuyer - 30 Year Fixed Rate | 0 | 6.500% | 6.683% | 360 | $632.07 |
Preferred Rate Disclosure: The above rates include a 0.250% discount for the establishment and maintentance of automatic recurring loan payments from an NBSB deposit account. If borrower does not establish and maintain an NBSB account and recurring payments for the life of the loan, the rate would be 0.250% higher than the rates listed above.
*Annual Percentage Rate (APR) subject to change without notice. APR and estimated P&I (principal and interest) assumes a loan amount of $100,000 and a property value of $150,000. Payments do not include escrow, private mortgage insurance and homeowners insurance premiums. Actual loan payments may be higher. Valid for purchase of an owner occupied single family principal residence located in MA to qualified borrowers who have not owned a home in the last three years. Minimum down payment of 3% required. Property value is equal to the lesser of the purchase price or appraised value. Private mortgage insurance required on loan-to-value over 80%. Homeowners insurance is required. Flood Insurance may be required. All rates, terms and conditions are subject to change without notice. If loan does not close, borrower is responsible for appraisal fee. Offer may be withdrawn at any time and is subject to change without notice. Subject to credit approval. Loan amounts over $832,750 are considered Jumbo and may be subject to a higher rate or fees.
Mortgage Program |
Points | Interest Rate | APR* | # of Payments in Months | Estimated P&I |
|---|---|---|---|---|---|
| 30 Year Fixed Rate | 0 | 6.625% | 6.777% | 360 | $640.31 |
| 20 Year Fixed Rate | 0 | 6.375% | 6.571% | 240 | $738.23 |
| 15 Year Fixed Rate | 0 | 6.250% | 6.595% | 180 | $857.42 |
| 10 Year Fixed Rate | 0 | 6.125% | 6.546% | 120 | $1,116.49 |
Preferred Rate Disclosure: The above rates include a 0.250% discount for the establishment and maintentance of automatic recurring loan payments from an NBSB deposit account. If borrower does not establish and maintain an NBSB account and recurring payments for the life of the loan, the rate would be 0.250% higher than the rates listed above.
*Annual Percentage Rate (APR) subject to change without notice. APR and estimated P&I (principal and interest) assumes a loan amount of $100,000 and a property value of $150,000. Payments do not include escrow, private mortgage insurance and homeowners insurance premiums. Actual payment amounts may be higher. Valid for purchase or refinance of an owner occupied 1-4 family principal residence located in MA. Private mortgage insurance required on loan-to-value over 80%. Homeowners insurance is required. Flood insurance may be required. Subject to credit approval. If the loan does not close, borrower is responsible for appraisal fee. Loan amounts over $832,750 are considered Jumbo and may be subject to a higher rate or fees
Mortgage Program |
Interest Rate | APR* | # of Payments | Fully Indexed Rate | $ per 1,000 | $ per 1,000 (fully indexed) |
|---|---|---|---|---|---|---|
| 3/1 | 5.625% | 6.992% | 360 | 7.230% | $5.76 | $6.81 |
| 5/1 | 5.750% | 6.815% | 360 | 7.230% | $5.84 | $6.81 |
| 7/1 | 5.875% | 6.707% | 360 | 7.230% | $5.92 | $6.81 |
| 10/1 | 6.000% | 6.594% | 360 | 7.230% | $6.00 | $6.81 |
Preferred Rate Disclosure: The above rates include a 0.250% discount for the establishment and maintenance of automatic recurring loan payments from an NBSB deposit account. If borrower does not establish and maintain an NBSB account and recurring payments for the life of the loan, the rate would be 0.250% higher than the rates listed above.
*Annual Percentage Rate (APR) subject to change without notice. APR and $ per 1,000 assumes a loan amount of $100,000 and a property value of $150,000. Payments do not include escrow, private mortgage insurance and homeowners insurance premiums. Actual payment amounts may be higher. Valid for purchase or refinance of an owner occupied 1-4 family principal residence located in MA. Private mortgage insurance required on loan-to-value over 80%. Homeowners insurance is required. Flood insurance may be required. Subject to credit approval. If the loan does not close, borrower is responsible for appraisal fee. Loan amounts over $832,750. are considered Jumbo and may be subject to a higher rate or fees.
1 ARM Rates are subject to increase after consummation. 3/1 ARM fixed rate introductory period lasts 3 years. Rate and payment are subject to adjust after the first 3 years and annually thereafter. ARM caps 2% per adjustment / 6% lifetime. Repayment terms on the 3/1 ARM with 0 points are: 36 payments in the amount of $5.76 per $1,000 borrowed at an interest rate of 5.625%. Followed by 324 payments in the amount of $6.81 per $1,000 borrowed at a fully indexed interest rate of 7.230%. Final payment varies based on life of loan history and settlement charges.
2 ARM Rates are subject to increase after consummation. 5/1 ARM fixed rate introductory period lasts 5 years. Rate and payment are subject to adjust after the first 5 years and annually thereafter. ARM caps 2% per adjustment / 6% lifetime. Repayment terms on the 5/1 ARM with 0 points are: 60 payments in the amount of $5.84 per $1,000 borrowed at an interest rate of 5.750%. Followed by 300 payments in the amount of $6.81 per $1,000 borrowed at a fully indexed interest rate of 7.230%. Final payment varies based on life of loan history and settlement charges.
3 ARM Rates are subject to increase after consummation. 7/1 ARM fixed rate introductory period lasts 7 years. Rate and payment are subject to adjust after the first 7 years and annually thereafter. ARM caps 2% per adjustment / 6% lifetime. Repayment terms on the 7/1 ARM with 0 points are: 84 payments in the amount of $5.92 per $1,000 borrowed at an interest rate of 5.875%. Followed by 276 payments in the amount of $6.81 per $1,000 borrowed at a fully indexed interest rate of 7.230%. Final payment varies based on life of loan history and settlement charges.
4 ARM Rates are subject to increase after consummation. 10/1 ARM fixed rate introductory period lasts 10 years. Rate and payment are subject to adjust after the first 10 years and annually thereafter. ARM caps 2% per adjustment / 6% lifetime. Repayment terms on the 10/1 ARM with 0 points are: 120 payments in the amount of $6.00 per $1,000 borrowed at an interest rate of 6.000%. Followed by 240 payments in the amount of $6.81 per $1,000 borrowed at a fully indexed interest rate of 7.230%. Final payment varies based on life of loan history and settlement charges.
Mortgage Program |
Interest Rate | APR* | # of Payments in Months | Estimated P&I |
|---|---|---|---|---|
| 20 Year Fixed Rate | 7.250% | 7.308% | 240 | $790.38 |
| 15 Year Fixed Rate | 7.000% | 7.072% | 180 | $898.83 |
| 10 Year Fixed Rate | 6.750% | 6.850% | 120 | $1,148.24 |
| 5 Year Fixed Rate | 6.500% | 6.687% | 60 | $1,956.61 |
Preferred Rate Disclosure: The above rates include a 0.250% discount for the establishment and maintentance of automatic recurring loan payments from an NBSB deposit account. If borrower does not establish and maintain an NBSB account and recurring payments for the life of the loan, the rate would be 0.250% higher than the rates listed above.
*Annual Percentage Rate (APR) subject to change without notice. APR and estimated P&I (principal and interest) assumes a loan amount of $100,000 and a property value of $150,000. Payments do not include escrow, private mortgage insurance and homeowners insurance premiums. Actual loan payments may be higher. Property must be an owner occupied 1-4 family residence located in MA. Minimum loan amount $10,000. Maximum combined loan to value is 80% of the appraised value less any existing first mortgage balance . Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. All closing costs are the borrowers responsibility. Closing costs can range from approximiately $500 - $2000. If the loan does not close, borrower is responsible for the appraisal fee. Loan amounts over $832,750 are considered Jumbo and may be subject to a higher rate or fees
Mortgage Program |
Interest Rate | APR* | # of Payments in Months | Rate Parameters | Estimated P&I |
|---|---|---|---|---|---|
| Equity Line of Credit Intro 6 | 5.490% | 5.49% | 240 | Introductory rate applies. 5.490% APR for the first 6 months; 7.000% variable APR thereafter based on Wall Street Journal Prime rate plus 0.000% | Varies |
Preferred Rate Disclosure: The above rates include a 0.250% discount for the establishment and maintentance of automatic recurring loan payments from an NBSB deposit account. If borrower does not establish and maintain an NBSB account and recurring payments for the life of the loan, the rate would be 0.250% higher than the rates listed above.
*Annual Percentage Rate (APR) subject to change without notice. Variable rate loan adjusted monthly based on the Prime Rate published in the Wall Street Journal. WSJ Prime Rate is 7.000% as of present. Rates may increase after consummation. Maximum APR 18.00%. Minimum APR after introductory period is 5.490%. Rate/APR reflect a 0.250% discount and requires autopay from a NBSB deposit account with direct deposit.
Equity Line of Credit Intro 6: Introductory APR 5.490% for the first 6 months, then adjusted monthly to the Wall Street Journal Prime Rate plus 0.000% upon expiration of the introductory period.
All Equity Lines of Credit: Property must be an owner occupied 1-4 family residence located in MA. Minimum credit line $10,000. Maximum combined loan to value is 80% of the appraised value less any existing first mortgage balance. Subject to credit approval. Homeowners insurance is required. Flood insurance may be required. 20yr Loan with a 10yr draw period followed by a 10yr repayment period. Minimum draw $500. Minimum monthly payment during draw period based on interest due. During repayment, your minimum monthly payment will be equal to 1/120th of the principal balance outstanding at the end of the draw period plus accrued interest and in no event less than $100. Payment amounts do not include taxes and insurance. Closing costs paid by NBSB if the loan amount is $250,000 or less. An appraisal fee ranging from $100-$625 is required and to be paid by borrower. $105 recording fee to discharge a prior mortgage may be required. Loan amounts over $250,000 will be the borrowers responsibility for all closing costs to be paid. Closing costs range from $3,000 - $8,000. Termination fee of $500 required if the credit line is formally closed within 36 months. Loan amounts over $832,750 are considered Jumbo and may be subject to a higher rate or fees.
Rates last updated on 09/29/2026.