If the amount of the penalty exceeds the amount of earned interest that has not already been paid to you, we may have to deduct some of the penalty from your principal. Terms, rates and conditions may change at any time to reflect rapidly changing mortgage lending conditions. Please request further information from a Williamstown Savings Bank loan officer concerning the current terms and conditions for mortgages. Points are not required at Williamstown Savings Bank, but you may elect to pay one point in order to achieve the lower interest rate. The number of points that may be charged is limited by law.
Property insurance is required.
Flood insurance may be required. Other restrictions may apply. Other terms and limitations may apply. The annual percentage rate for adjustable rate mortgages may change after the mortgage is consummated. Terms, rates and conditions may change at any time to reflect rapidly changing mortgage lending conditions.