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Finance Your Dream Home

Finding the right mortgage program is one of the most important decisions and it can also be the most confusing. A mortgage doesn’t have to be "one size fits all." We have dozens of different ways to customize your mortgage, making sure you have the option that saves you the most over time. To be sure you're making the best choice, it helps to have the guidance of a responsive financing partner with experienced Mortgage Loan Originators (MLOs) that live and work in the Berkshires.

Adams Community Bank is sensitive to the individual needs of customers, we work closely with you through every step of the process. We realize how important this is—that's why we guarantee mortgage pre-qualification decisions in 24 hours or less* so you don't miss out on the house of your dreams—even if you have been around the block or are a First Time Homebuyer. So whether you are trying to finance the purchase of the perfect parcel, construct your cozy abode or improve your current dwelling dream—from application to closing, Adams Community Bank will be there with you—helping you realize your dream of home ownership.

*24 hours or less includes Monday-Friday during normal business hours AND does not include Saturdays, Sundays or Bank Holidays. Pre-qualification decision assumes that key information is provided by the applicant.

Residential Mortgage Rates

The following rates are updated weekly, but subject to change at any time. Indexes and Annual Percentage Rates (APR*) are effective March 20, 2013.

LOAN TYPE	RATE	APR*	INDEX CAP	INDEX	MARGIN	PERIODIC/LIFE CAP	MONTHLY PMNT PER $1,000.00
10 Yr Fixed - no points	2.75%	2.77%	n/a	n/a	n/a	n/a	$9.54
15 Yr Fixed - no points	2.99%	3.01%	n/a	n/a	n/a	n/a	$6.90
20 Yr Fixed - no points	3.625%	3.63%	n/a	n/a	n/a	n/a	$5.86
25 Yr Fixed - no points	3.75%	3.76%	n/a	n/a	n/a	n/a	$5.14
30 Yr Fixed - no points	4.25%	4.26%	n/a	n/a	n/a	n/a	$4.92

*APR is defined as ANNUAL PERCENTAGE RATE.
**Payment based upon initial rate amortized over 30 years.
Payment does not include insurance and taxes and may be greater if the loan is a first lien.

Rates and APR based on loan amounts of up to $100,000.00 and Loan-to-Value (LTV) of up to 80%. 97% financing available. LTV in excess of 80% is subject to Private Mortgage Insurance (PMI). Flood Determination Fee of $15.00 required. A Tax Service Fee is applicable on all originated loans. Appraisal fee of $300.00 (estimated) is required on all mortgage loans. Appraisal fee may be higher on multi-family dwellings. 65% financing on Land Loans with rate equal to 1% over 10 or 15 year fixed rate or 1% over any adjustable rate mortgage. Jumbo rates apply on all loans in excess of $417,500.00.

Add 0.25% to rate for Jumbo Mortgage and 0.25% for a non-proimary residence (second home).

Title Insurance is required on all fixed rate, commercial and investment loans. No Application Fee. No Credit Report Fee. All Mortgages Serviced by Adams Community Bank.

Rates Subject to change without notice

For further information or to request an application, please contact our Loan Dept. at (413) 743-0001 or one of our nine Mortgage Loan Originators.

Mortgage Loan Originators

The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 requires all Financial Institutions and Mortgage Loan Originators (MLO) to be registered with the National Mortgage Licensing System and Registry (NMLSR). Each MLO is given a unique identifying number.

Adams Community Bank has eight MLO’s able to assist you in re-financing or applying for a mortgage, they are:

MORTGAGE LOAN ORIGINATOR	IDENTIFYING NUMBER
Maureen E. Baran	759490
Timothy R. Burdick	759489
Patricia A. Carpenter	462116
Pamela S. Duval	583013
Rick R. Gurney	462115
Dawn M. Lampiasi	462117
Laurie Pelczynski	759491
Emma R. Tower	913084

Mortgage Loan Calculators

Adjustable Rate Mortgage Calculator	This calculator helps you to determine what your adjustable mortgage payments will be.
Bi-weekly Payment Calculator	Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
Mortgage Loan Calculator	Use this calculator to determine your monthly payment and amortization schedule.
Mortgage Points Calculator	Should you buy points? Use this calculator to find out.
Mortgage Qualifier	Can you buy your dream home? Find out just how much you can afford!
Refinance Breakeven	Should you refinance your mortgage? Use this calculator to determine when you will breakeven.
Rent vs. Buy	Are you better off buying your home, or should you continue to rent?

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NOTICE OF EXPIRATION OF THE TEMPORARY FULL FDIC INSURANCE COVERAGE FOR NONINTEREST-BEARING TRANSACTION ACCOUNTS

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Accounts) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all nontinterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest bearing transaction accounts, visit www.fdic.gov/deposit/deposits/unlimited/html.

However, your deposits at Adams Community Bank remain insured in full under The Depositors Insurance Fund.

ADAMS COMMUNITY BANK
ADAMSCOMMUNITY.COM
(413) 743-0001

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