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Overview and Rates

Mortgage Overview and Rates
Below are a variety of options for financing or refinancing your home. Our skilled Sovereign Mortgage® team will work with you to find the right mortgage program, rate, and term that best meets your needs.
Effective May 17, 2013 -- Interest rates, APRs, payments, terms, and conditions are subject to change without notice.
Zero Points
Type Max. Amount Max. LTV Int. Rate APR* Monthly P&I
Payment*
30 Year Fixed $417,000 95% 3.625% 3.784%
15 Year Fixed $417,000 95% 2.75% 2.939%

Three Points
Type Max. Amount Max. LTV Int. Rate APR* Monthly P&I
Payment*
30 Year Fixed $417,000 95% 2.875% 3.256%
15 Year Fixed $417,000 95% 2.25% 2.939%
Benefits:
  • Online mortgage tools and planning
  • FHA/VA mortgages
  • Adjustable and Fixed Rate Options
  • Pre-qualifications
  • Fast decisions**
  • Zero point options
  • Construction loans
  • Flexible terms available
All loans subject to approval.
Rates are subject to the borrower meeting minimum credit score and loan-to-value requirements.
Sovereign Bank offers a diverse menu of conventional, jumbo, FHA/VA, fixed and adjustable rate mortgage products. The above rates are limited to properties located in CT, DC, DE, MA, MD, ME, NH, NY, PA, RI, and VT.
Please call for details.
Rhode Island: (800) 288-6225
Connecticut: (877) 396-3618
Southeastern Massachusetts, Cape Cod & The Islands: (888) 262-2629
All Other Massachusetts & New Hampshire: (877) 284-4844

Please call for details.
Pennsylvania: (800) 777-4588
Central/Southern New Jersey: (800) 362-8444
Northern New Jersey: (866) 364-4411
New York: (866) 364-4411
Delaware: (800) 719-6831
* Annual Percentage Rates (APRs) and payments are calculated assuming a 30% down payment, and a loan amount of $100,000 that closes on the last day of the month. Payment amounts do not include amounts for taxes and insurance premiums, which will cause the actual payment obligation to be greater if an escrow/impound account is established. Fees and charges that are not finance charges will apply.
** Upon receipt of completed application.
Sovereign Mortgage® is a registered trademark of Sovereign Bank or its affiliates or subsidiaries in the United States.
Access Your Accounts
Next Steps
Call 877.729.4801 to speak with a Mortgage Representative
Locate a Sovereign Mortgage Representative
Download a mortgage application (English)
Download a mortgage application (Spanish)
How May We Help You?
Related Resources
Calculators
Glossary of Terms
Mortgage 101
Homeowner Tax Breaks
Mortgage Rates
Sovereign Loan Protector Plan
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