Rates Effective: 04/19/2023 | Interest rates are subject to change at any time without notice.

PAYMENTS DO NOT INCLUDE TAXES AND INSURANCE AND THEREFORE THE PAYMENT OBLIGATION WILL BE GREATER.

First Mortgage Loans

Conforming Rates (Loan amounts $726,200 or less)(1)

Jumbo Rates (Loan amounts over $726,201; up to $1,000,000)(1)

Please contact a loan officer for pricing on loans over $1,000,000.

Home Equity Loans And Lines of Credit

Home Equity Loans (2)​

Home Equity Lines of Credit (3)

Please contact a loan officer for pricing on loans over $500,000.

*Annual Percentage Rate

Important Loan Information

First Mortgage Loans (1)	Annual Percentage Rate (APR) and rate(s) posted are indications only and are subject to change without notice and your actual rate and/or points may be different based on the factors specific to your loan. Rates shown are for Home Purchase transactions. Qualification is subject to credit, underwriting and property approval; not all applicants will qualify. Property insurance is required and flood insurance may be required. An escrow (impound) account may be required. Other restrictions may apply. Assumes purchase on existing primary residence 1-to-4 family home held in the name of the borrower(s) located in CT or RI. Conforming rates assume a loan amount of $285,000, no subordinate financing, and an estimated property value of $475,000 (loan to value of 60.00%); a minimum credit score of 740. Jumbo rates assume a loan amount of $925,000, no subordinate financing, and an estimated property value of $1,500,000 (loan to value of 60.00%); a minimum credit score of 740. Rate lock period is 60 days. Other rates and terms available. Other restrictions may apply and this offer is subject to change without notice.
Home Equity Loans (2)	Annual Percentage Rate (APR) and rate(s) posted are indications only and are subject to change without notice and your actual rate may be different based on the factors specific to your loan. Qualification is subject to credit, underwriting and property approval; not all applicants will qualify. An escrow (impound) account may be required. Property insurance is required and flood insurance may be required. Property cannot be listed for sale. Assumes loan is for owner-occupied 1-to-4 family homes located in CT or RI held in the name of the borrower(s) with a minimum 20% equity; loan terms from 60 to 180 months; and minimum loan amount of $5,000. A pre-payment penalty will apply if the loan is closed and discharged within 3 years of activation. For CT properties, the prepayment penalty for the first 2 years of activation is 2% of the outstanding balance; the third year prepayment fee is 1% of the outstanding balance. For RI properties, the prepayment penalty for the first 12 months of activation is 2% of the outstanding balance. Contact the Bank for home equity loans without prepayment penalties. No Nebula Trust application fee, nor closing costs apply. Other restrictions may apply and this offer is subject to change without notice.
Home Equity Lines of Credit (3)	Annual Percentage Rate (APR) will be variable for the life of the loan. Qualification is subject to credit, underwriting and property approval; not all applicants will qualify. Property insurance is required and flood insurance may be required. Property cannot be listed for sale. Other restrictions may apply. Offer valid only in CT and RI. Assumes loan is for owner-occupied 1-to-4 family homes located in CT or RI held in the name of the borrower(s) with a minimum 20% equity; and minimum loan amount of $5,000. The interest-only draw period is 10 years. APR is based on the highest United States Prime Rate as published in the Eastern Edition of the Wall Street Journal preceding the start of each monthly billing period (8.00% as of 3/23/2023) minus -.51. The rate will never be less than the initial rate effective at closing nor more than the lesser of 18% or the maximum permitted by applicable state law. The repayment period is approximately 15 years; during the repayment period, the interest rate is subject to adjustment monthly and will be calculated by adding a margin of -.51 to the United States Prime Rate as published in the Eastern Edition of the Wall Street Journal preceding the start of each monthly billing period. Monthly payments of interest only during the draw period may cause your monthly payment to increase, possibly substantially, once your credit line transitions into the repayment period. Annually, for each period of twelve months during which there are no transactions posted to this account, you will be charged an Inactivity Fee of $50.00. A prepayment penalty will apply if line is closed and discharged within 36 billing cycles for CT properties, 12 billing cycles for RI properties. CT prepayment fee for 1st 24 complete billing cycles is 2% of line credit limit, next 12 complete billing cycles it is 1% of line credit limit. RI prepayment fee for 1st 12 complete billing cycles is 2% of the outstanding line of credit balance. Contact the Bank for home equity loans without prepayment penalties. No Nebula Trust application fee, nor closing costs apply. Other restrictions may apply and this offer is subject to change without notice.

Rate Page Reminders: (Member FDIC/Equal Housing Lender) Nebula Trust Bank NMLS ID: 402928