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Ledyard's Special Offer

10/1 Adjustable-Rate 30-Year Mortgage


Fixed rate for the first 10 years at 6.99% (7.459% APR*)

Rate adjusts annually for the remaining 20 years term of the mortgage, estimated at 8.25%





Special Discount Offer for Dartmouth Employees






Need more information? What are your goals?

  • Purchase a new home

  • Lower my Interest Rate on Current Mortgage Balance

  • Cash Out for home improvements, educational expenses, or debt consolidation

Whether you're building, buying new or looking to renovate, when it comes to residential mortgages and home equity loans, Ledyard has the experience and resources to help you reach your dreams responsibly.

Types of Loans We Offer:

  • Residential Mortgages: Owner Occupied, Second Home and Investment
  • Purchase, Refinance, and One-Step Construction  
  • Jumbo Mortgage
  • Home Improvement Loans
  • Land Loans
  • First Time Home Buyer Programs and Education
  • Manufactured Home Loans
  • Federal Housing Administration (FHA) Loans
  • Department of Veterans Affairs (VA) Loans
  • USDA Rural Development Loans


Contact Neal Meagher at 603-790-1776 or Edward Bidlack at 603-526-5606 or email us at and they'll be happy to help answer your questions about our comprehensive mortgage products.


Home Ownership Counseling Course

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* Interest Rate and Annual Percentage Rate (APR) effective October 1, 2023.  Rates are subject to change. Note that these monthly payments do not include real estate taxes, homeowners insurance (required), or flood insurance and mortgage insurance, if applicable. Actual payment obligation will be higher. Check with bank for terms and restrictions. Credit and property approval required.  On a 10/1 ARM of 30 years with a loan amount of $400,000.00, a down payment of 20%, and an interest rate of 6.99% (7.459% APR) fixed for the first 10 years, there would be 120 monthly payments of $2,658.52, then 240 variable monthly payments at an estimated 8.25% interest rate and $2,942.02 payment, using a recently available index.  ARM interest rates and payments are subject to increase after the initial fixed-rate period (10 years for a 10/1 ARM).  After the initial fixed rate 10 year period, the interest rate will adjust annually based on the 1 Year Treasury Bill (the index). As of September 27, 2023 the 1 Year Treasury Bill is 5.375% plus a margin of 2.875%, giving an 8.25% interest rate.
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