*Annual Percentage Rates (APR) and interest rates include a preferred rate reduction of 0.25% for automatic payments from an Andover Bank checking product and are accurate as of 1/3/2023. Refinances only, $30,000 new money with a maximum loan amount of $300,000. Maximum 80% loan to value, first lien position on an owner occupied primary residence. All payments exclude taxes and insurance thus your payment will be greater than disclosed. Flood insurance may be required. Subject to credit approval with credit score of 740 or above. Bank paid closing costs include drive-by appraisal fee, flood zone determination, tax service fee, limited lien search and government recording charges. Costs for optional services and interest due at closing are not included. If this loan is paid off within the first 36 months, you agree to reimburse Andover Bank the third party origination fees the bank paid on your behalf, up to $500. Limited time offer. Additional restrictions may apply. Loan available under $30,000 new money with borrower paid closing costs. Payment example: On a 10 year fixed rate loan with a base loan amount of $100,000 with an interest rate of 4.990% and an APR of 4.990%, the monthly payment would be $1,060.35. On a 15 year fixed rate loan with a base loan amount of $100,000 with an interest rate of 5.740% and an APR of 5.740%, the monthly payment would be $830.10. On a 20 year fixed rate loan with a base loan amount of $100,000 with an interest rate of 6.240% and an APR of 6.240%, the monthly payment would be $730.61.