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Mortgage Rates

Your rate will depend on various factors such as loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed below assumes 20% down payment, purchase transaction, owner occupied, single family / condo, credit score of 700 minimum.

For a list of additional products and your personalized rate, click on “Get A Personalized Rate” below.

30 Year Fixed Rate Mortgage

Effective Date: July 2, 2025

Apply Now
Rate APR Points
6.625 6.821 0 Get a Personalized Rate Learn More

Conventional Mortgages Details

Maximum loan limit is $806,500.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes and/or insurance. Property insurance is required. Flood insurance may be required. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $657.92 to $745.13 on single family homes or $807.92 to $895.13 on multiple family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

30 Year Fixed Rate First Time Home Buyer

Effective Date: July 2, 2025

Apply Now
Rate APR Points
6.375 6.801 0 Get a Personalized Rate Learn More

First Time Homebuyers Details

Successful completion of our free Homebuyer education course is required to receive the $600 credit toward closing costs. This credit is for First Home Purchases Only. This credit is subject to qualification, credit approval and closing. The discount will be taken at closing time. Maximum loan limit is $806,500.00. Payment example: $100,000.00 loan at 6.750% for 360 months (30 years) is a monthly payment of $648.60.

Down Payments of 10–19% may require Private Mortgage Insurance. Less than 10% down requires Private Mortgage Insurance. 60-day commitment. Must be owner-occupied 1–2 family homes in Connecticut. Minimum 3% down payment on single-family homes and 5% down on two-family homes. Properties with underground oil storage tanks are not eligible. Application fee ranges from $657.92 to $745.13 on single-family, existing owner-occupied properties. Application fee includes cost of appraisal and credit reports.

Payment includes principal and interest calculated by the rate. Payment will be greater if taxes and/or insurance are escrowed. May require flood insurance. Rates subject to change. This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate. Consult a loan representative for more details. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

Buyer’s Boost – Purchase – No PMI – 30 Year Fixed Rate

Effective Date: July 2, 2025

Apply Now
Rate APR Points
6.750 6.925 0 Get a Personalized Rate Learn More

Buyer’s Boost Details

Buyer’s Boost – Purchase – No PMI – Fixed Rate

Maximum loan limit is $806,500.00. Payment example: $100,000.00 loan at 6.750% for 360 months (30 years) is a monthly payment of $648.60. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $657.92 to $745.13 on single family homes or $807.92 to $895.13 on multiple family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home.

Buyer’s Boost – Purchase – No PMI – Jumbo

Minimum loan limit is $806,501.00. Maximum loan limit $1,209,750.00.  Payment example: $100,000.00 loan at 6.750% for 360 months (30 years) is a monthly payment of $648.60. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $807.92 to $895.13 on single family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home.

Buyer’s Boost – Purchase – No PMI – 30 Year Fixed Rate Jumbo

Effective Date: July 2, 2025

Apply Now
Rate APR Points
7.000 7.025 0 Get a Personalized Rate Learn More

Buyer’s Boost Details

Buyer’s Boost – Purchase – No PMI – Fixed Rate

Maximum loan limit is $806,500.00. Payment example: $100,000.00 loan at 6.750% for 360 months (30 years) is a monthly payment of $648.60. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $657.92 to $745.13 on single family homes or $807.92 to $895.13 on multiple family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home.

Buyer’s Boost – Purchase – No PMI – Jumbo

Minimum loan limit is $806,501.00. Maximum loan limit $1,209,750.00.  Payment example: $100,000.00 loan at 6.750% for 360 months (30 years) is a monthly payment of $648.60. This does not include taxes or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $807.92 to $895.13 on single family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home.

Adjustable Rate Mortgages

Effective Date: July 2, 2025

Rate APR Points
5 Year Adjustable Rate Mortgage 5.625 6.492 0 Get a Personalized Rate
7 Year Adjustable Rate Mortgage 5.750 6.423 0 Get a Personalized Rate

DETAILS: Five Year ARM – Interest rate can change annually after remaining fixed for Five years. Seven Year ARM – Interest rate can change annually after remaining fixed for Seven years. Rate may increase or decrease 2% maximum in any adjustment period. Maximum of 6% increase or decrease over the term of the mortgage. Interest rate may increase or decrease 2% maximum in any adjustment period. Interest rate will be based on the weekly average yield on the US Treasury securities adjusted to a constant maturity of one year, rounded to the nearest .125%, plus 2.75%. Contact a loan representative for current index. Maximum loan amount is $806,500.00. Higher loan amounts may be available. Consult a loan representative for more details. APR is based on $100,000.00 mortgage, 20% down payment. Payment does not include taxes and/or insurance escrow. Any item escrowed will increase the total monthly payment. Property Insurance is required. Flood Insurance may be required. Conventional LTV (loan to value) maximum 97.00% single family only; Conventional LTV (loan to value) 80.01% to 97% may require PMI. 2-4 Family, owner occupied or 1-2 Family, second home maximum LTV (loan to value) 80.00%. No Prepayment Penalty. 60-day commitment. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $657.92 to $745.13 on single family homes or $807.92 to $895.13 on multiple family homes. Application fee includes cost of appraisal and credit Reports. Any change of loan after Commitment issued – $400.00 fee. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Investor – Non-Owner Occupied – 30 Year Fixed Rate

Effective Date: July 2, 2025

Apply Now
Rate APR Points
8.125 8.451 1.00 Get a Personalized Rate

DETAILS: Maximum loan limit is $806,500. Call for Jumbo Pricing over $806,501.00. Maximum LTV (loan to value) 80.00% purchase and rate/term refinance; maximum LTV (loan to value) 70% for cash out refinance with 12 month seasoning requirement. Payment example: $100,000.00 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes and/or insurance. Property insurance is required. Flood insurance may be required. 60-day commitment. Any change of loan after commitment issued – $400.00 fee. No Prepayment Penalty. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $782.92 to $870.13 on single family homes or $807.92 to $895.13 on multiple family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

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