Daily Rates
Below you’ll find the daily rates of our mortgage programs. If you decide to apply for a loan, remember to reach out to a Approved Lender.
First Government (MRB)
5.500% (6.442% APR)
First Government 2-Point
- APR based on 2-points, 30-year term, 96.5% LTV; including PMI*
5.750% (6.597% APR)
First Government 1-Point
- APR based on 1-point, 30-year term, 96.5% LTV; including PMI*
6.000% (6.751% APR)
First Government
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
6.250% (7.005% APR)
First Government Plus ($5,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
6.500% (7.260% APR)
First Government Plus ($10,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
6.750% (7.514% APR)
First Government Plus ($15,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
First Conventional 80% AMI & Under
5.750% (6.464% APR)
First Conventional, Under 80% AMI, 2-Point
- APR based on 2 point, 30-year term, 97% LTV, with PMI*
6.000% (6.619% APR)
First Conventional, Under 80% AMI, 1-Point
- APR based on 1 point, 30-year term, 97% LTV, with PMI*
6.250% (6.772% APR)
First Conventional, Under 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
6.500% (7.026% APR)
First Conventional, Under 80% AMI, Plus ($5,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
6.750% (7.280% APR)
First Conventional, Under 80% AMI, Plus ($10,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.000% (7.535% APR)
First Conventional, Under 80% AMI, Plus ($15,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
First Conventional Over 80% AMI
5.875% (6.887% APR)
First Conventional, Over 80% AMI, 2-Point
- APR based on 2 point, 30-year term, 97% LTV, with PMI*
6.125% (7.145% APR)
First Conventional, Over 80% AMI, 1-Point
- APR based on 1 point, 30-year term, 97% LTV, with PMI*
6.375% (7.403% APR)
First Conventional Over 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
6.625% (7.661% APR)
First Conventional, Over 80% AMI, Plus ($5,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
6.875% (7.920% APR)
First Conventional, Over 80% AMI, ($10,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.125% (8.178% APR)
First Conventional, Over 80% AMI, ($15,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
Flex (Ginnie Mae MBS - VA, FHA, USDA RD)
6.250% (7.121% APR)
Flex 1-Point
- APR based on 1-point, 30-year term, 96.5% LTV; including PMI*
6.500% (7.272% APR)
Flex
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
6.750% (7.527% APR)
Flex Plus ($5,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
7.000% (7.781% APR)
Flex Plus ($10,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
7.375% (8.164% APR)
Flex Plus ($15,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
Preferred 80% AMI & Under (Conventional)
6.000% (6.733% APR)
Preferred Under 80% AMI, 2-Point
- APR based on 2-points, 30-year term, 97% LTV, with PMI*
6.375% (7.015% APR)
Preferred Under 80% AMI, 1-Point
- APR based on 1-point, 30-year term, 97% LTV, with PMI*
6.625% (7.166% APR)
Preferred Under 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.000% (7.548% APR)
Preferred Under 80% AMI, Plus ($5,000 cash downpayment assistance)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.250% (7.802% APR)
Preferred Under 80% AMI, Plus ($10,000 cash downpayment assistance)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.500% (8.057% APR)
Preferred Under 80% AMI, Plus ($15,000 cash downpayment assistance)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
Preferred (Conventional) Over 80% AMI
6.125% (7.158% APR)
Preferred Over 80% AMI 2-Point
- APR based on 2-points, 30-year term, 97% LTV, with PMI*
6.500% (7.436% APR)
Preferred Over 80% AMI 1-Point
- APR based on 1-point, 30-year term, 97% LTV, with PMI*
6.750% (7.585% APR)
Preferred Over 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.125% (7.968% APR)
Preferred Over 80% AMI, Plus ($5,000 cash downpayment assistance)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.375% (8.224% APR)
Preferred Over 80% AMI, Plus ($10,000 cash downpayment assistance)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.625% (8.479% APR)
Preferred Over 80% AMI, Plus ($15,000 cash downpayment assistance)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
Preferred ROCS
6.875% (7.420% APR)
Preferred ROCs
- APR based on 0 point, 30-year term, 95% LTV, with PMI. Standard MI rates apply to over 80% AMI income.*
*APR = Annual Percentage Rates and interest rates are based on current pricing and are subject to change at any time without notice. Daily rates are based on a set of loan assumptions ($250,000.00 loan amount, 97% LTV for Preferred, 96.5% for FHA, 30 years loan term, owner-occupied, a single-family residence or a multi-family up to 4 units, for purchase in New Hampshire (in first lien position). Mortgage insurance may be required depending on loan guidelines (below 80% AMI income limit, 700 FICO, 18% mortgage insurance coverage. Over 80% to 140% AMI income limit, 31% mortgage insurance coverage). If mortgage insurance is required, the mortgage insurance premium could increase the APR, interest rate and the monthly mortgage payment.
All loans are subject to approval, fees used for APR calculation are averaged based on current lending partners average fee costs. Individual lenders may have different fees which can affect the APR.