Home > Loans > Loan Rates

Loan Rates

Our commitment is to provide the highest level of customer service, and that includes offering the best rates possible.

Customized Loan Options

By focusing on you, and limiting our geographic service area to Portsmouth and the surrounding towns, we’re able to provide the superior banking experience — and exceptional rates — our customers have counted on since 1877.

Our Rates

We offer both fixed and adjustable rates across a wide range of loan types. Review our competitive rates below and check back often, as this page is updated daily.

Please call us at 603.436.5250 to speak with an experienced, knowledgeable loan officer about your special requests, or apply online now.

All rates are subject to change without prior notice and offers of credit are subject to credit approval.

Call 603.436.5250 for correspondent rates.

Rates as of 6/12/24

Apply Online

Conforming Fixed Rate

Product

Rate

APR

30 Year Fixed

7.00%

Information based on a mortgage loan to purchase a single-family, primary residence located within the Piscataqua Savings Bank lending area. Rate lock period is 45 days.  The APR calculation assumes a $400,000 loan amount with a 20% down payment. The estimated monthly payment for this loan would be.

  • 360 payments of $2,661.21  at an interest rate of 7.00%

Estimated payments do not include amounts to be held in escrow for property taxes, homeowners’ insurance, mortgage insurance & flood insurance if applicable.

Rates and payments are for informational purposes only.  Your actual rate and payment will depend on various factors including loan product, loan amount, occupancy, and other factors. This is not a commitment to lend. Rates are subject to change without notice.

7.073%

15 Year Fixed

6.875%

Information based on a mortgage loan to purchase a single-family, primary residence located within the Piscataqua Savings Bank lending area. Rate lock period is 45 days.  The APR calculation assumes a $400,000 loan amount with a 20% down payment. The estimated monthly payment for this loan would be.

  • 180 payments of $3,567.42 at an interest rate of 6.875%

Estimated payments do not include amounts to be held in escrow for property taxes, homeowners’ insurance, mortgage insurance & flood insurance if applicable.

Rates and payments are for informational purposes only.  Your actual rate and payment will depend on various factors including loan product, loan amount, occupancy, and other factors. This is not a commitment to lend. Rates are subject to change without notice.

6.843%

Owner Occupied Rate

Product

Rate

APR

3/1 ARM

6.125%

Information based on a mortgage loan to purchase a single family; primary residence located
within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR
calculation assumes a $800,000 loan amount with a 20% down payment. The interest rate on all
Adjustable-Rate Mortgages can change after consummation. Your actual payments will be based
on market conditions at the time of interest rate changes per the terms of you loan agreement.

• 36 payments of $4,860.88 at an interest rate of 6.125%
• 324 payments of $5,868.35 at an interest rate of 8.125%

Estimated payments do not include amounts to be held in escrow for property taxes,
homeowners’ insurance, mortgage insurance & flood insurance if applicable.
Rates and payments are for informational purposes only. Your actual rate and payment will
depend on various factors including loan product, loan amount, occupancy, and other factors.
This is not a commitment to lend. Rates are subject to change without notice.

7.658%

5/1 ARM

6.250%

Information based on a mortgage loan to purchase a single family; primary residence located
within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR
calculation assumes a $800,000 loan amount with a 20% down payment. The interest rate on all
Adjustable-Rate Mortgages can change after consummation. Your actual payments will be based
on market conditions at the time of interest rate changes per the terms of you loan agreement.

• 60 payments of $4,925.74 at an interest rate of 6.250%
• 300 payments of $5,825.10 at an interest rate of 8.125%

Estimated payments do not include amounts to be held in escrow for property taxes,
homeowners’ insurance, mortgage insurance & flood insurance if applicable.
Rates and payments are for informational purposes only. Your actual rate and payment will
depend on various factors including loan product, loan amount, occupancy, and other factors.
This is not a commitment to lend. Rates are subject to change without notice.

7.427%

7/1 ARM

6.375%

Information based on a mortgage loan to purchase a single family; primary residence located
within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR
calculation assumes a $800,000 loan amount with a 20% down payment. The interest rate on all
Adjustable-Rate Mortgages can change after consummation. Your actual payments will be based
on market conditions at the time of interest rate changes per the terms of you loan agreement.

• 84 payments of $4,990.96 at an interest rate of 6.375%
• 276 payments of $5,785.74 at an interest rate of 8.125%

Estimated payments do not include amounts to be held in escrow for property taxes,
homeowners’ insurance, mortgage insurance & flood insurance if applicable.
Rates and payments are for informational purposes only. Your actual rate and payment will
depend on various factors including loan product, loan amount, occupancy, and other factors.
This is not a commitment to lend. Rates are subject to change without notice.

7.277%

10/1 ARM

6.500%

Information based on a mortgage loan to purchase a single family; primary residence located
within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR
calculation assumes a $800,000 loan amount with a 20% down payment. The interest rate on all
Adjustable-Rate Mortgages can change after consummation. Your actual payments will be based
on market conditions at the time of interest rate changes per the terms of you loan agreement.

• 120 payments of $5,056.54 at an interest rate of 6.500%
• 240 payments of $5,725.69 at an interest rate of 8.125%

Estimated payments do not include amounts to be held in escrow for property taxes,
homeowners’ insurance, mortgage insurance & flood insurance if applicable.
Rates and payments are for informational purposes only. Your actual rate and payment will
depend on various factors including loan product, loan amount, occupancy, and other factors.
This is not a commitment to lend. Rates are subject to change without notice.

7.106%

Non Conforming / Jumbo

Product

Rate

APR

30 Year Fixed

7.00%

Information based on a mortgage loan to purchase a single-family, primary residence located
within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR
calculation assumes a $800,000 loan amount with a 20% down payment. The estimated monthly
payment for this loan would be.

• 360 payments of $5,322.42  at an interest rate of 7.00%

Estimated payments do not include amounts to be held in escrow for property taxes,
homeowners’ insurance, mortgage insurance & flood insurance if applicable.
Rates and payments are for informational purposes only. Your actual rate and payment will
depend on various factors including loan product, loan amount, occupancy, and other factors.
This is not a commitment to lend. Rates are subject to change without notice.

7.073%

15 Year Fixed

6.875%

Information based on a mortgage loan to purchase a single-family, primary residence located
within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR
calculation assumes a $800,000 loan amount with a 20% down payment. The estimated monthly
payment for this loan would be.

• 180 payments of $7,134.83 at an interest rate of 6.875%

Estimated payments do not include amounts to be held in escrow for property taxes,
homeowners’ insurance, mortgage insurance & flood insurance if applicable.
Rates and payments are for informational purposes only. Your actual rate and payment will
depend on various factors including loan product, loan amount, occupancy, and other factors.
This is not a commitment to lend. Rates are subject to change without notice.

6.826%