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  • Loans
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    Calculate Your Mortgage Rate

    Are you thinking about purchasing a new home or refinancing your current home? TSB can create a customized rate based on your financial situation and goals.

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    Continue Your Saved Application - Manage your home loan application on your own time. Pick up where you left off by logging in to continue your application and upload documents.

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Mortgages

Conventional Mortgages

Torrington Savings Bank has conventional mortgages with more than conventional benefits. TSB mortgages offer great rates with flexible term options, and low fees & closing costs.

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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.

Get a Mortgage with a Leading Local Lender

There’s a reason why Torrington Savings Bank is consistently among the top rated lenders in the area – it’s because helping people find the best mortgage solutions for them is important to us.

  • We offer terms of 15, 20, and 30 years
  • We offer fixed rate and adjustable rate options
  • We offer the option of paying for points to be able to lower our already great rates
  • We have local lenders who are willing to listen to your needs to help you find workable solutions
  • We have local decision makers who can often approve more flexible loan types than our non-local competitors

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Refinancing Made Easy

Torrington Savings Bank offers several refinance solutions designed to meet your individual needs and goals.

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Home Equity Loan

A Home Equity Loan is a great borrowing option when you need a large fixed amount because it costs you less than most other methods to borrow.

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Construction Mortgage

A Torrington Savings Bank Construction Mortgage is a great option to finance home construction.

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Jumbo Mortgage

Jumbo mortgage is the industry term for home loan amounts ranging from $806,501 to $1,209,750.

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Buyer’s Boost

TSB Buyer’s Boost Mortgage Program allows well-qualified borrowers to get competitive rates with PMI waived even while putting as little as 10% down.

Learn More

First Time Homebuyers

TSB helps first time borrowers become new homeowners with a special program designed to make buying a first home more affordable.

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Compare Accounts

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.

Featured Products

Checking

Your Account for Today AND Tomorrow

A Journey Checking Account fits every stage of your financial goals from ages 13+

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Savings

A Savings Account for Kids - With a Grown Up Rate!

Start teaching the value of saving early with our First Time Savers Club.

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Loans

Home Equity Loan

A Home Equity Loan is a great borrowing option when you need a large fixed amount because it costs you less than most other methods to borrow.

Learn More
Learn More
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    Loans

    • Compare Home Loans
      • First Time Homebuyers
      • Buyer’s Boost
      • Conventional Mortgage
      • Refinance
      • Jumbo Mortgage
      • Construction Loan
    • Contact a Residential Lender
    • Mortgage Calculators
    • Home Equity Comparison
      • Home Equity Loan
      • Home Equity Line of Credit
    • Personal Loans
      • Collateral Secured Loans
      • Life Loan
      • Overdraft Line of Credit
  • Checking

    • Compare Checking Accounts
      • Journey Checking
      • Advantage Checking
      • BankRight Checking
    • Greenlight Debit Card For Kids
    • Debit Cards
      • Card Controls
      • Lost or Stolen Cards
      • Digital Wallet
      • Overdraft Protection
  • Savings

    • Compare Savings Accounts
      • Journey Savings
      • Advantage Money Market
      • First Time Savers
      • Build Your Own Club
    • Additional Savings Options
      • Certificates of Deposit (CD)
      • Health Savings Account (HSA)
      • IRA
  • Credit Cards

    Tools & Resources

    • Ways to Bank
      • Online Banking
      • Mobile Banking
      • ATM
      • Telephone Banking
    • Plan Your Financial Future
      • Monitor Credit Score
      • Personal Finance Manager
      • Greenlight for Kids and Teens
      • Education Center
    • Manage Your Money
      • Card Controls
      • Bill Pay
      • Paperless Documents
      • Digital Wallet
      • Round Up Savings Program
    • Help & Support
      • Lost or Stolen Card
      • FAQs
      • Support
      • Make An Appointment
      • Switch Kit
    • Rewards
      • Refer a Friend

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*Please note to open an account online you must be 18 years or older and a Connecticut resident.

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