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Conventional Fixed Rate Mortgages

Are predictable loan payments more your style? With this mortgage option, the interest rate will never change, so you can be rest assured that your principal and interest payments will be consistent until the end of the term of your choice.

Features
  • Provides consistent month-to-month payments
  • Rate remains constant throughout the life of the loan
  • 10, 15, 20, 30 year terms available
Rates

Mortgage Rates

Mortgage Rates

TypeInterest RatePointsAPR*Monthly Payment/$1,000
Conventional 30 Year Fixed 13.625%2.003.888%$4.56Apply Now
3.750%1.003.931%$4.63Apply Now
3.875%0.003.973%$4.70Apply Now
Conventional 20 Year Fixed 23.375%2.003.723%$5.74Apply Now
3.500%1.003.734%$5.80Apply Now
3.625%0.003.745%$5.86Apply Now
Conventional 15 Year Fixed 33.000%2.003.442%$6.91Apply Now
3.125%1.003.420%$6.97Apply Now
3.250%0.003.400%$7.03Apply Now
Conventional 10 Year Fixed 42.875%2.003.516%$9.60Apply Now
3.000%1.003.427%$9.66Apply Now
3.125%0.003.341%$9.71Apply Now

Adjustable Rate Mortgages

If your budget would benefit from a lower interest rate for the initial part of your loan's term, then our adjustable rate mortgage may be the right fit for you. With this option, the interest rate will be fixed for a predetermined period of time, but then it may fluctuate based on market conditions for the remainder of the term.

Features
  • 3/3 year and 5/5 year options available
  • Weekly, bi-weekly or monthly payment options
Rates

Adjustable Mortgage Rates

Adjustable Mortgage Rates

Interest RatePointsAPR*Monthly Payment/$1,000
3/3 Year ARM12.875%2.003.994%$4.15Apply Now
3.000%1.003.940%$4.22Apply Now
3.125%0.003.886%$4.28Apply Now
5/5 Year ARM23.125%2.003.857%$4.28Apply Now
3.250%1.003.819%$4.35Apply Now
3.375%0.003.782%$4.42Apply Now

Vacation Home Mortgages

Whether your ideal escape is to the lakes region, mountains or a scenic countryside, you can stop dreaming and start enjoying a seasonal or year-round vacation home.

Additional Details
  • Property must be located in NH
  • Year-round and seasonal (used only during spring/summer/fall) properties eligible
  • Single-family detached dwellings; those with in-law units also eligible
  • Property must be occupied by owner annually
  • Purchases or refinances welcome (cash-out refinances only available on year-round properties)
  • Fixed rate and adjustable rate mortgages available for year-round vacation homes
Year-Round vs. Seasonal

A year-round vacation home structure would be considered livable in all 4 seasons, similar to a primary residence. A seasonal vacation home is used only in the spring/summer/fall (seasonally).

A seasonal property typically does not have a central heating system, may not be insulated, may not have a conventional foundation or a full plumbing system (ie: cold water only).

Rates

Vacation Home Mortgages - Year-Round Fixed

Vacation Home Mortgages - Year-Round Fixed

TypeInterest RatePointsAPR*Monthly Payment/$1,000
Conventional 30 Year Fixed 13.875%0.003.973%$4.70Apply Now
Conventional 20 Year Fixed 23.625%0.003.745%$5.86Apply Now
Conventional 15 Year Fixed 33.250%0.003.400%$7.03Apply Now
Conventional 10 Year Fixed 43.125%0.003.341%$9.71Apply Now

Vacation Home Mortgages- Seasonal Fixed

Vacation Home Mortgages- Seasonal Fixed

TypeInterest RatePointsAPR*Monthly Payment/$1,000
Conventional 15 Year Fixed 34.250%0.004.430%$7.52Apply Now
Conventional 10 Year Fixed 24.125%0.004.382%$10.18Apply Now

Vacation Home Mortgages - Year-Round Adjustable

Vacation Home Mortgages - Year-Round Adjustable

Type** (10, 15, 20, or 30 year terms)Interest RatePointsAPR*Monthly Payment/$1,000
3/3 Year ARM 13.125%0.003.886%$4.28Apply Now
5/5 Year ARM 23.375%0.003.782%$4.42Apply Now

Vacation Home Mortgages - Seasonal Adjustable

Vacation Home Mortgages - Seasonal Adjustable

Type** (10, 15, 20, or 30 year terms)Interest RatePointsAPR*Monthly Payment/$1,000
3/3 Year ARM 14.125%0.004.225%$4.85Apply Now
5/5 Year ARM 24.375%0.004.467%$4.99Apply Now

Calculators

As you make plans to pursue your goals, these calculators can help you get your finances in order.

Become a Member

If you live, work, go to school or worship in the State of New Hampshire, you are eligible to join Holy Rosary Credit Union.