MORTGAGE LOANS
All rates are effective as of July 29, 2010.
The following mortgage loan programs are only a sampling of the numerous fixed-rate and adjustable-rate mortgage loan options available at Adams County National Bank for the purchase, construction or refinancing of a home. In illustration, the Bank offers mortgage programs that allow maximum financing up to 95% of the value of the property being purchased, as well as financing for low to moderate income borrowers. Please contact one of the Bank's retail mortgage loan officers for additional information about mortgage loan programs and interest rates via email at mortgages@acnb.com or by calling toll-free 1.888.334.2262. And, if you are currently looking for a new house, ask about a free pre-approval for your mortgage loan to make your search less worrisome.
At the Bank's discretion, interest rates and terms may be subject to change at any time without notice.
| Adjustable-Rate Mortgage Loans (ARMs) | Term | Points | Interest Rate | Annual Percentage Rate (APR) |
| 1/1 ARM | 15 Years | 0.000 | 4.625% | 3.269% |
| 30 Years | 0.000 | 4.75% | 3.158% | |
| 3/1 ARM | 15 Years | 0.000 | 5.00% | 3.816% |
| 30 Years | 0.000 | 5.125% | 3.508% | |
| 5/1 ARM | 15 Years | 0.000 | 5.125% | 4.308% |
| 30 Years | 0.000 | 5.25% | 3.847% |
| Fixed-Rate Mortgage Loans | Points | Interest Rate | Annual Percentage Rate (APR) |
| 15 Years | 0.00 | 3.875% | 3.913% |
| 0.25 | 3.75% | 3.824% | |
| 30 Years | 0.00 | 4.375% | 4.397% |
| 1.00 | 4.25% | 4.357% |
For adjustable-rate mortgage loans and fixed-rate mortgage loans, down payment requirements vary by the type of loan. With an APR of 4.397%, the monthly loan payment is $499.28 for $100,000 borrowed for a term of 360 months (30 years). Loans may be subject to other fees such as those for flood certification, filing, lien search and/or appraisal.
Equal Housing Lender. Equal Opportunity Lender. Member FDIC.