Fixed Rate
Mortgage
Lock in a Great Rate
Bellwether's Conventional (Confirming) Fixed Rate Mortgages conform to guidelines put in place by Fannie Mae. Fixed Rate Mortgages are popular because the rate will not change over the life of the loan, making it easier to budget for the long term. Bellwether offers 30-, 20-, 15-, and 10-year Fixed Rate Mortgages in New Hampshire and Essex or Middlesex Counties in Massachusetts.
Check out our handy Homebuyer's Guide for valuable information when buying and financing your new home.
Fixed Mortgage Rate Table
*Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.
"What are Discount Points? Points are fees you pay at closing to 'buy down' your interest rate. When you purchase points, you may pay more upfront, but you receive a lower interest rate. Points are calculated in relation to the loan amount. Each point costs you 1% of the loan amount. For example, on point on a $200,000 mortgage would cost you $2,000.
A mortgage loan of $200,000 for 360 payments (30 years) with 0 point at a rate of 6.375% and APR of 6.528% will have a monthly payment of $1,247.74. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 360 payments (30 years) with 1 point at a rate of 6.000% and APR of 6.246% will have a monthly payment of $1,199.10. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 360 payments (30 years) with 2 points at a rate of 5.750% and APR of 6.089% will have a monthly payment of $1,167.15. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 240 payments (20 years) with 0 point at a rate of 6.125% and APR of 6.325% will have a monthly payment of $1,447.32. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 240 payments (20 years) with 1 point at a rate of 5.875% and APR of 6.201% will have a monthly payment of $1,418.48. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 240 payments (20 years) with 2 points at a rate of 5.500% and APR of 5.949% will have a monthly payment of $1,375.77. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 180 payments (15 years) with 0 point at a rate of 5.875% and APR of 6.045% will have a monthly payment of $1,674.24. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 180 payments (15 years) with 1 point at a rate of 5.375% and APR of 5.700% will have a monthly payment of $1,620.93. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 180 payments (15 years) with 2 points at a rate of 5.125% and APR of 5.606% will have a monthly payment of $1,594.64. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 120 payments (10 years) with 0 point at a rate of 5.750% and APR of 5.991% will have a monthly payment of $2,195.38. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 120 payments (10 years) with 1 point at a rate of 5.250% and APR of 5.711% will have a monthly payment of $2,145.83. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 120 payments (10 years) with 2 points at a rate of 5.000% and APR of 5.684% will have a monthly payment of $2,121.31. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
All rates and Annual Percentage Rates (APR) subject to change without notice. Annual Percentage Rates (APRs) are based on current pricing and are subject to change at any time without notice. Rates are based on a 730+ fico score, 80% loan to value, for a single-family owner occupied primary residence. Please call 1-603-645-8181 for more information.
*Loan approval, interest rate, and down payment required based on creditworthiness amount financed, and ability to repay. Loans with a down payment less than 20% require mortgage insurance which could increase the monthly payment and Annual Percentage Rate. Escrow for Real Estate taxes may be required which would increase your monthly mortgage payment. Property Insurance is required and flood insurance may be required. Other fees may be assessed, as applicable.
"What are Discount Points? Points are fees you pay at closing to 'buy down' your interest rate. When you purchase points, you may pay more upfront, but you receive a lower interest rate. Points are calculated in relation to the loan amount. Each point costs you 1% of the loan amount. For example, on point on a $200,000 mortgage would cost you $2,000.
A mortgage loan of $200,000 for 360 payments (30 years) with 0 point at a rate of 6.375% and APR of 6.528% will have a monthly payment of $1,247.74. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 360 payments (30 years) with 1 point at a rate of 6.000% and APR of 6.246% will have a monthly payment of $1,199.10. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 360 payments (30 years) with 2 points at a rate of 5.750% and APR of 6.089% will have a monthly payment of $1,167.15. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 240 payments (20 years) with 0 point at a rate of 6.125% and APR of 6.325% will have a monthly payment of $1,447.32. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 240 payments (20 years) with 1 point at a rate of 5.875% and APR of 6.201% will have a monthly payment of $1,418.48. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 240 payments (20 years) with 2 points at a rate of 5.500% and APR of 5.949% will have a monthly payment of $1,375.77. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 180 payments (15 years) with 0 point at a rate of 5.875% and APR of 6.045% will have a monthly payment of $1,674.24. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 180 payments (15 years) with 1 point at a rate of 5.375% and APR of 5.700% will have a monthly payment of $1,620.93. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 180 payments (15 years) with 2 points at a rate of 5.125% and APR of 5.606% will have a monthly payment of $1,594.64. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 120 payments (10 years) with 0 point at a rate of 5.750% and APR of 5.991% will have a monthly payment of $2,195.38. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 120 payments (10 years) with 1 point at a rate of 5.250% and APR of 5.711% will have a monthly payment of $2,145.83. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
A mortgage loan of $200,000 for 120 payments (10 years) with 2 points at a rate of 5.000% and APR of 5.684% will have a monthly payment of $2,121.31. Taxes and insurance are not included in the quoted payment, and your actual payment obligation may be higher with those items included.
All rates and Annual Percentage Rates (APR) subject to change without notice. Annual Percentage Rates (APRs) are based on current pricing and are subject to change at any time without notice. Rates are based on a 730+ fico score, 80% loan to value, for a single-family owner occupied primary residence. Please call 1-603-645-8181 for more information.
Get Up to $750 Off Your Closing Costs
- Apply for and close on your first mortgage with Bellwether
- Open a Bellwether MyMoney Checking Account or Live Free Checking Account. If you currently have a checking account with us, that counts!
- Add Direct Deposit to your checking account. We’ve made switching over easier than ever with ClickSWITCH
*To qualify for the maximum $750 closing cost credit, before closing documents are prepared, you must (1) have or open the Bellwether MyMoney or Live Free checking account and (2) finish your direct deposit set up through ClickSWITCH. Direct deposit of a minimum of $1,000 monthly is required. Offer may be discontinued at any time. Offer is valid for new purchases only and not valid on refinances. Excludes No Closing Cost loan products. Mortgage approval is based on credit qualifications. Cannot be combined with any other mortgage discount or offer. Terms and conditions apply.
