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 Participating Lender.
Home First Government (MRB)
6.500% (7.260% APR)
Home First Government
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
6.250% (7.109% APR)
Home First Government 1-Point
- APR based on 1-point, 30-year term, 96.5% LTV; including PMI*
6.000% (6.956% APR)
Home First Government 2-Point
- APR based on 2-points, 30-year term, 96.5% LTV; including PMI*
6.875% (7.641% APR)
Home First Government Plus ($5,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
7.250% (8.023% APR)
Home First Government Plus ($10,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
Home First Conventional 80% AMI & Under
6.750% (7.293% APR)
Home First Conventional, Under 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
6.500% (7.143% APR)
Home First Conventional, Under 80% AMI, 1-Point
- APR based on 1 point, 30-year term, 97% LTV, with PMI*
6.250% (6.991% APR)
Home First Conventional, Under 80% AMI, 2-Point
- APR based on 2 point, 30-year term, 97% LTV, with PMI*
7.125% (7.675% APR)
Home First Conventional, Under 80% AMI, Plus ($5,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.500% (8.057% APR)
Home First Conventional, Under 80% AMI, Plus ($10,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
Home First Conventional Over 80% AMI
7.000% (7.840% APR)
Home First Conventional Over 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
6.750% (7.693% APR)
Home First Conventional, Over 80% AMI, 1-Point
- APR based on 1 point, 30-year term, 97% LTV, with PMI*
6.500% (7.545% APR)
Home First Conventional, Over 80% AMI, 2-Point
- APR based on 2 point, 30-year term, 97% LTV, with PMI*
7.375% (8.224% APR)
Home First Conventional, Over 80% AMI, Plus ($5,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.750% (8.607% APR)
Home First Conventional, Over 80% AMI, ($10,000 cash down payment assistance.)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
Ginnie Mae MBS - (VA, FHA, USDA RD)
7.250% (8.036% APR)
Home Flex
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
7.000% (7.890% APR)
Home Flex 1-Point
- APR based on 1-point, 30-year term, 96.5% LTV; including PMI*
7.375% (8.164% APR)
Home Flex Plus (1% CA)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI
7.500% (8.291% APR)
Home Flex Plus (2% CA)
- APR based on 0 point, 30-year term, 96.5% LTV; including PMI*
Preferred 80% AMI & Under (Conventional)
7.250% (7.802% APR)
Home Preferred Under 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.000% (7.655% APR)
Home Preferred Under 80% AMI, 1-Point
- APR based on 1-point, 30-year term, 97% LTV, with PMI*
6.750% (7.506% APR)
Home Preferred Under 80% AMI, 2-Point
- APR based on 2-points, 30-year term, 97% LTV, with PMI*
7.500% (8.057% APR)
Home Preferred Plus Under 80% (1% CA)
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
8.000% (8.566% APR)
Home Preferred Plus Under 80% (2% CA)
- APR based on 0 point, 30-year term, 97% LTV, with PMI
Preferred (Conventional) Over 80% AMI
7.500% (8.352% APR)
Home Preferred Over 80% AMI
- APR based on 0 point, 30-year term, 97% LTV, with PMI*
7.125% (8.079% APR)
Home Preferred Over 80% AMI 1-Point
- APR based on 1-point, 30-year term, 97% LTV, with PMI*
6.875% (7.933% APR)
Home Preferred Over 80% AMI 2-Point
- APR based on 2-points, 30-year term, 97% LTV, with PMI*
Home Preferred ROCS
7.500% (8.057% APR)
Home 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.