Fixed Loan Rates
63 Franklin Street, Boston, MA 02110-1301 Phone: 617-478-4000 Toll-free: 800-444-BANK (2265) Fax: 617-439-4548 Interest Rate
5.500% 5.750% 6.000% 4.875% 5.125% 5.375% 4.500% 4.750% 5.000% 5.500%
as of December 19, 2008 (subject to change without notice) e-mail: consumerloans@wainwrightbank.com Website: www.wainwrightbank.com Annual Percentage Rate
5.850% 6.010% 6.170% 5.207% 5.371% 5.534% 5.040% 5.136% 5.233% 6.147%
Loan Type
WB&T 30 Year Fixed Portfolio Product (Loans to $2,000,000)
Points
2 1 0 2
Monthly Payment Per $1,000
$5.68 $5.84 $6.00 $5.29 $5.44 $5.60 $7.65 $7.78 $7.91 $5.29
Other
N/A N/A N/A
Additional adjustments may apply. Contact a Residential Loan Officer for details.
30 Year Fixed Conforming(4)
1 0 2
Additional adjustments may apply. Contact a Residential Loan Officer for details.
15 Year Fixed Conforming(4)
1 0
The Soft Second Loan
0
For more information visit
The Refinance Loan (1,2,3) (Minimum $75,000)
10 YR Fixed 15 YR Fixed 20 YR Fixed
0 0 0
5.625% 5.625% 5.750%
5.625% 5.625% 5.750%
$10.91 $8.24 $7.02
No Closing Costs Appraisal fee of $300-$750, (if applicable)
Home Equity Loan
(1,2,3)
5 YR Fixed 10 YR Fixed 15 YR Fixed
0 0 0
5.575% 5.625% 5.625%
5.575% 5.625% 5.625%
$19.14 $10.91 $8.24
(Minimum $5,000 & Maximum $417,000)
For information on The Green Loan program visit us at: http://www.wainwrightbank.com
Personal Loans (Unsecured) Hybrid Auto Loans (1) 2008 to 2009 models Auto Loans (New)
(1)
(1)
0
12.500%
12.500%
Up to 5 YR Term Up to 6 YR Term Up to 5 YR Term Up to 6 YR Term Up to 5 YR Term Up to 6 YR Term Up to 4 YR Term Up to 5 YR Term
0
6.250% 7.250%
6.250% 7.250% 6.750% 7.750% 7.000% 8.000% 7.000% 8.000%
$19.45 $17.17 $19.68 $17.41 $23.95 $20.28 $30.88 $24.41
10% Down payment Required
0
6.750% 7.750%
10% Down payment Required
2008 to 2009 models Auto Loans (Used)
(1)
0
7.000% 8.000%
20% Down payment Required
2007 to 2008 models Auto Loans (Used)
(1)
0
7.000% 8.000%
20% Down payment Required
2005 to 2006 models
Please contact the Bank for rates without automatic deduction.
1-4 family owner occupied residences only; property insurance required; flood insurance may be required. APR calculated on 80% loan-to-value for a $100,000 loan. Pre-payment penalty may apply. 1. This rate requires automatic deduction of monthly payments from a Wainwright checking account. Rate may increase after consummation. 2. Not available on homes currently for sale or intended to be sold within 6 months of closing. Consult tax advisor regarding the deductibility of insurance. 3. No closing cost feature is based on use of automated valuation models (AVM). Title insurance is required without the existence of a 1st mortgage from a regulated mortgage provider. 4. Assumes 20% down payment purchase of owner occupied single family dwelling, and borrowers with FICO scores greater than 740. Adjustments may apply. Please call and ask for one of our Loan Officers for live, custom rate quote. Loans must meet secondary market guidelines. 30 day rate lock.
Rates, Terms and Fees subject to change without notice.
Adjustable Loan Rates
63 Franklin Street, Boston, MA 02110-1301 Phone: Toll-free: Fax: 617-478-4000 800-444-BANK (2265) 617-439-4548 Website: as of
December 19, 2008
(subject to change without notice) e-mail: consumerloans@wainwrightbank.com www.wainwrightbank.com
Interest Loan Type Points Rate
Annual Percentage Rate
Initial Monthly Payment Per $1,000
Initial Monthly Payment Per $1,000 After Adjustment
(1)
2 3/1 Year ARM
(Adjusts annually after 3 years)
4.500% 4.750% 5.000% 4.875% 5.125% 5.375% 5.500% 5.750% 6.000% 4.750% 5.000% 5.250% 5.125% 5.375% 5.625% 5.500% 5.750% 6.000% 6.375%
4.235% 4.209% 4.183% 4.484% 4.491% 4.499% 4.949% 4.987% 5.025% 4.297% 4.271% 4.244% 4.582% 4.590% 4.597% 4.949% 4.987% 5.025% 4.783%
$5.07
$5.22 $5.37 $5.29 $5.44 $5.60 $5.68 $5.84 $6.00 $5.22 $5.37 $5.52 $5.44 $5.60 $5.76 $5.68 $5.84 $6.00 $5.31
$4.66 $4.67 $4.68 $4.71 $4.73 $4.75 $4.81 $4.83 $4.85 $4.67 $4.68 $4.69 $4.73 $4.75 $4.76 $4.81 $4.83 $4.85 $3.13
1 0 2
5/1 Year ARM
(Adjusts annually after 5 years)
1 0 2
7/1 Year ARM
(Adjusts annually after 7 years)
1 0 2
Jumbo 3/1 Year ARM
(Adjusts annually after 3 years)
1 0 2
Jumbo 5/1 Year ARM
(Adjusts annually after 5 years)
1 0 2 1 0
Jumbo 7/1 Year ARM
(Adjusts annually after 7 years)
Interest Only Variable Rate Loan
(Adjusts annually after 5 years, interest only for first 10 years, 20 year term) [For Qualified Borrowers]
0
5/1 Year AFFORDABLE ARM
(2) (Adjusts annually after 5 years)
0
Lines under $200,000 Lines under $499,000
5.250%
4.000% 4.000%
4.798%
Wall Street Journal Prime Rate
$5.52
$4.99
Other
Home Equity Line of Credit (15 YR Term)
(Minimum Line is $10,000)
(1,3,4,5)
N/A 3.250%
Wall Street Journal Prime Rate
No Closing Costs
The rate is based off the WSJ Prime Rate plus 5.00%
Current APR
Personal Line of Credit
(1)
8.250% All Adjustable Rate Mortgages are tied to the one year Treasury Index
3.250%
0.500%
margin of
3.250%
Highest Wall Street Journal Prime Rate:
Payments are based on a 30 year repayment schedule, unless another term is stated.
3.250%
1-4 family owner occupied residences only; property insurance required; flood insurance may be required. APR calculated on 80% loan-to-value for a $100,000 loan. Prepayment penalty may apply. The payment can adjust after the initial fixed period. The adjusted payment shows what the monthly payment could change to based on today's index value. 1. This rate requires automatic deduction of monthly payments from a Wainwright checking account. Please contact the Bank for rates without automatic deduction. 2. APR calculated on a 95% loan-to-value ratio with private mortgage insurance. Geographic & other various restrictions apply. Contact the Bank for terms. 3. Not available on homes currently for sale or intended to be sold within 6 months of closing. Consult tax advisor regarding the deductibility of insurance. 4. No closing cost feature is based on use of automated valuation models (AVM). Title insurance is required without the existence of a 1st mortgage from a regulated mortgage provider. 5. WSJ Prime Rate minus 1% for lines of $200,000 or more and the WSJ Prime Rate minus .50% for lines under $200,000. Subject to minimum rate of 4.00% and mav rate of 18%. Requires Personal Relationship account and automatic deduction from a Wainwright checking account. For lines over $500,000 call for pricing. Rates may change monthly. Promotional rate is for new loans only and not for refinancing of existing loans with Wainwright Bank. 6. The rate after the initial fixed rate period will change annually based on the WSJ Prime Rate minus .50%; balloon payment may be required at end of term.
Rates, Terms & Fees subject to change without notice.