dime-bank.com New London | Norwich: Broadway, Corporate, Norwichtown Colchester | East Lyme | Glastonbury | Ledyard | Manchester | Montville Stonington Borough | Taftville | Westerly, RI DO NMLSID #49990 LENDER HVIS Community Banking Lives Here Dime Bank EST. 1869 I MEMBER FDIC TM ARM 10-YR 3.625%/4.340% APR* 10 YR-ARM It's your Home. Your Choice. Your Dime. dime-bank.com residential or calling 860.859.4300. ARM or any of our residential lending team about our 10-Year To learn more, contact our experienced loan options by visiting Mortgage can offer a lower rate option case, Dime's 10-Year Adjustable longer-term fixed outgrown your current home. Whatever the Ready to buy your first home? Maybe you've than Rate mortgages. to Your New Home. Mortgage Can Be the Building Block Dime's 10-Year Adjustable Rate a 30-year term. Loan to Value (LTV) of 80 % or less. APR is Annual Percentage Rate and is accurate as of effective date. APR is subject to increase after *Effective 8.3.22. APR based on closing. The initial interest rate of 3.625% is fixed for 120 months. After the initial fixed rate period your rate can increase or decrease every 120 months and will adjust based on the weekly average yield on United States Treasury Securities adjusted to to a constant maturity of 10 years (your index) plus our margin of (2.75 %) rounded to the nearest (.125 %). The maximum increase per adjustment period is (2%) with a maximum lifetime increase of (4%) over the initial rate. Based on current market conditions and a (3.625 %) initial interest rate, the payment schedule for an 80% Loan to Value (LTV) $100,000 loan amount would be: 120 payments of ($456.05) at an interest rate of 3.625%, 240 payments of ($534.98) at an interest rate of (5.50% ). An LTV i APR. fee is Bank requires escrows for taxes, insurance and, if applicable, flood insurance. Payment does not include taxes and insurance and may be higher. Other terms and rates are available. All rates are subject to change daily. These rates are for loan amounts up to ($647,200), owner occupied, single family property. dime-bank.com New London | Norwich : Broadway , Corporate , Norwichtown Colchester | East Lyme | Glastonbury | Ledyard | Manchester | Montville Stonington Borough | Taftville | Westerly , RI DO NMLSID # 49990 LENDER HVIS Community Banking Lives Here Dime Bank EST . 1869 I MEMBER FDIC TM ARM 10 - YR 3.625 % / 4.340 % APR * 10 YR - ARM It's your Home . Your Choice . Your Dime . dime-bank.com residential or calling 860.859.4300 . ARM or any of our residential lending team about our 10 - Year To learn more , contact our experienced loan options by visiting Mortgage can offer a lower rate option case , Dime's 10 - Year Adjustable longer - term fixed outgrown your current home . Whatever the Ready to buy your first home ? Maybe you've than Rate mortgages . to Your New Home . Mortgage Can Be the Building Block Dime's 10 - Year Adjustable Rate a 30 - year term . Loan to Value ( LTV ) of 80 % or less . APR is Annual Percentage Rate and is accurate as of effective date . APR is subject to increase after * Effective 8.3.22 . APR based on closing . The initial interest rate of 3.625 % is fixed for 120 months . After the initial fixed rate period your rate can increase or decrease every 120 months and will adjust based on the weekly average yield on United States Treasury Securities adjusted to to a constant maturity of 10 years ( your index ) plus our margin of ( 2.75 % ) rounded to the nearest ( .125 % ) . The maximum increase per adjustment period is ( 2 % ) with a maximum lifetime increase of ( 4 % ) over the initial rate . Based on current market conditions and a ( 3.625 % ) initial interest rate , the payment schedule for an 80 % Loan to Value ( LTV ) $ 100,000 loan amount would be : 120 payments of ( $ 456.05 ) at an interest rate of 3.625 % , 240 payments of ( $ 534.98 ) at an interest rate of ( 5.50 % ) . An LTV i APR . fee is Bank requires escrows for taxes , insurance and , if applicable , flood insurance . Payment does not include taxes and insurance and may be higher . Other terms and rates are available . All rates are subject to change daily . These rates are for loan amounts up to ( $ 647,200 ) , owner occupied , single family property .