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Conventional
30 Year Fixed Rate
Rate	APR	Points
4.875%	4.995%	1.000%
5.125%	5.157%	0.000%
15 Year Fixed Rate
Rate	APR	Points
4.375%	4.580%	1.000%
4.500%	4.554%	0.000%
3 Year Adjustable Rate - 30 Year Term
Rate	APR	Points
5.625%	3.936%	0.000%
Construction
30 Year Fixed Construction
Rate	APR	Points
6.375%	6.646%	0.500%
Home Equity
10 Year Fixed Rate Home Equity Loan
Rate	APR	Points
5.990%	5.990%	0.000%
15 Year Fixed Rate Home Equity Loan
Rate	APR	Points
6.050%	6.050%	0.000%
20 Year Fixed Rate Home Equity Loan
Rate	APR	Points
6.250%	6.250%	0.000%
Home Equity Line of Credit
Rate	APR	Points
3.750%	3.750%	0.000%

Virginia Locke

Mortgage Loan Officer
Assistant Vice President

Office:
(603) 444-5321 ext 4214

Toll Free:
1-800-442-6666 ext 4214

Fax:
(603) 444-1118

vlocke@northwaybank.com

Business Hours: Monday through Friday, 8:00am � 5:00pm Eastern Time

With over 40 years of banking experience and 20 years of working hands on in the mortgage industry, Virginia’s vast knowledge of lending will put you at ease throughout your home financing experience at Northway Bank. Read more about Virginia

Northway Bank Benefits
	Too busy to find the time to come in during bank hours? By applying online, Northway Bank allows you to choose when it’s convenient for you to start this exciting process. Only have spare time in the evening or first thing in the morning? You can get on with your life and get started with your purchase or refinance transaction anytime, day or night.
	Still want personal assistance while applying online? We’re only a phone call away. Your Loan Officer will strive to be there for you when you need help and if they are unavailable, Northway Bank’s Customer Support Center is your salvation! A simple toll free call will put you together with a mortgage specialist to assist you.
	Want to have a local bank deal with your special needs? We believe listening is important. By taking the time to understand our customer's needs, we have modified our programs to reflect the demands of the areas we do business in. Simply put, it’s the Northway.

Concerned about the servicing of your loan?
Taking care of our customers is essential. To demonstrate this, with the exception of New Hampshire Housing Finance Authority loans, we service all the loans we sell on the secondary market.

Want to know what you can afford before you shop for a home?
Utilize our resources to play with numbers and remember that we offer free pre-approvals, so you can shop for your home knowing how much financing you will obtain through Northway Bank

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