NewAlliance Bank

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ARM (Adjustable Rate Mortgages)

We specialize in first-time homebuyers, Contact us to learn about special programs.

Get Additional Savings!

Receive a 1/8% discount on selected mortgages when you choose convenient automatic payments from your NewAlliance Checking account.

Other rates and terms avaliable

Rates as of 11/06/2009 and are subject to change without notice.

These rates and terms are for owner-occupied properties, and are for fully amoritizing loans only. Please contact us for rates and terms for Interest Only loans.

3-1 ARM	Interest Rate	Term	Fully Indexed Rate	Term	APR
	4.375%	3 yrs	4.750%*	27 yrs	4.670%
Payment per $100,000	36 @ $514.27; 324 @ $535.53. Payments do not include amounts for taxes, insurance premiums; actual payment will be greater. *The fully indexed rate for 11/06/09 is 3.545, however, the fully indexed rate above reflects the minimum contract rate.

5-1 ARM	Interest Rate	Term	Fully Indexed Rate	Term	APR
	4.375%	5 yrs	4.750%*	25 yrs	4.621%
Payment per $100,000	60 @ $514.27; 300 @ $534.28. Payments do not include amounts for taxes, insurance premiums; actual payment will be greater. *The fully indexed rate for 11/06/09 is 3.545%, however, the fully indexed rate above reflects the minimum contract rate.

7-1 ARM	Interest Rate	Term	Fully Indexed Rate	Term	APR
	4.750%	7 yrs	4.750%*	23 yrs	4.759%
Payment per $100,000	84 @ $537.30; 276 @ $537.30. Payments do not include amounts for taxes, insurance premiums; actual payment will be greater. *The fully indexed rate for 11/06/09 is 3.545%, however, the fully indexed rate above reflects the minimum contract rate.

10-1 ARM	Interest Rate	Term	Fully Indexed Rate	Term	APR
	5.250%	10 yrs	4.750%*	20 yrs	5.078%
Payment per $100,000	120 @ $568.77; 240 @ $545.46. Payments do not include amounts for taxes, insurance premiums; actual payment will be greater. *The fully indexed rate for 11/06/09 is 3.545%, however, the fully indexed rate above reflects the minimum contract rate.

Rates subject to change at any time. After the first interest rate adjustment, the interest rate and payment amount is subject to increase or decrease annually. Interest rates are based on the average of the London Interbank Offered Rates (LIBOR) for one year dollar deposits as published in the Wall Street Journal. Annual percentage rates and terms are based on a 25% down payment for owner occupied single family properties in Connecticut and Massachusetts. Rates are for a 55 day lock-in period. Maximum loan amount is $2 million. Higher loan amounts are available. Please call for details.

Fixed Rate Mortgages*

Rates as of 11/06/2009 and are subject to change without notice.

These rates and terms are for owner-occupied properties. Apply Now

Mortgage Program	Term	Points	Interest Rate	APR
30 Year	30 Year to $417,000	0.00	4.990	4.990
15 Year	15 Year to $417,000	0.00	4.375	4.375

Other rates and terms available.

Fixed rates are subject to change without notice and may change during the day. Rates can be locked only after you submit a fully executed rate lock agreement, pay any applicable fees, and the agreement is accepted by the Bank.

*Based on loan specifications, your rate may have points due to required adjustments. Actual rate and points may vary depending upon credit score, loan amount, combined Loan to Value, and term. Subject to credit approval.

A 30- year $100,000 fixed rate loan with an interest rate of 4.990% and 0.00% points will have an Annual Percentage Rate (APR) of 4.990%. The loan is repayable in 360 monthly payments of principal and interest of $552.30.
A 15- year $100,000 fixed rate loan with an interest rate of 4.375% and 0.00% points will have an Annual Percentage Rate (APR) of 4.375%. The loan is repayable in 180 monthly payments of principal and interest of $781.38.

The above rates assume a 20% down payment; lower down payment programs are also available.

The ARM and Fixed rates are for a 55 day lock-in period. Loan amounts higher than those listed are also available. Call for details.

The mortgage programs sampled here are for owner-occupied properties located in Connecticut and Western Massachusetts. For further information on other programs, please contact us at 1-800-892-2096.

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