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    We offer a variety of terms all with great rates. See which one is best for your needs!

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    Torrington Savings Foundation is Now Accepting Grant Applications

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    Applications Now Available for 2021 TSB Scholarship Program

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    Torrington Savings Foundation is Now Accepting Grant Applications

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    Torrington Savings Foundation is Now Accepting Grant Applications

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    Applications Now Available for 2021 TSB Scholarship Program

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Mortgages

Buyer’s Boost Mortgage
10% down and No PMI

Our Special Home Loan Program for Borrowers with Strong Credit Scores.

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Buyer’s Boost Details

APR’s based on $100,000.00 mortgage, 20% down payment. Maximum loan limit is $548,250.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 60 day commitment. Any change of loan after commitment issued – $400.00 fee.  Payment example: $100,000 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. No Prepayment Penalty. 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. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $502 to $529 on single family homes or $602 to $629 on multiple family homes (2-4). Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

  • Overview
  • Rates
  • Details

Features of a TSB Buyer’s Boost Mortgage:

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

Even better – there’s no private mortgage insurance (PMI) to pay with this home loan program, so you get a mortgage with the all the benefits of a great rate and a lower down payment but without the extra monthly expense of PMI. Best still – this program is available to you whether you’re a first time home buyer or have bought houses before. If you’ve got a credit score of 720+ and the property is in Connecticut, you can apply for a Buyer’s Boost Mortgage to purchase your next home.

  • Requires at least 10% down payment
  • No PMI required
  • Requires minimum credit score of 720
  • Available up to $850,000
  • Program available for qualified applicants on purchases of owner-occupied 1 or 2 family homes or condos in CT

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Rate Watch

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

Effective Date: April 11, 2021

Apply Now
Rate APR Points
3.375 3.418 .50 Get a Personalized Rate Learn More

Buyer’s Boost Details

APR’s based on $100,000.00 mortgage, 20% down payment. Maximum loan limit is $548,250.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 60 day commitment. Any change of loan after commitment issued – $400.00 fee.  Payment example: $100,000 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. No Prepayment Penalty. 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. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $502 to $529 on single family homes or $602 to $629 on multiple family homes (2-4). Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

Buyers Boost – Purchase – No PMI – 30 Year Fixed Rate JUMBO

Effective Date: April 11, 2021

Apply Now
Rate APR Points
3.875 3.917 .50 Get a Personalized Rate Learn More

Buyer’s Boost Details

APR’s based on $100,000.00 mortgage, 20% down payment. Maximum loan limit is $548,250.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 60 day commitment. Any change of loan after commitment issued – $400.00 fee.  Payment example: $100,000 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. No Prepayment Penalty. 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. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $502 to $529 on single family homes or $602 to $629 on multiple family homes (2-4). Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

Explore Our Other Options

Construction Mortgage

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

Learn More

Jumbo mortgage

Jumbo mortgage is the industry term for home loan amounts ranging from $548,251 to $2,000,000.

Learn More

Conventional Mortgages

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

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.

Learn More
Compare Accounts

Buyer's Boost Details:

APR’s based on $100,000.00 mortgage, 20% down payment. Maximum loan limit is $548,250.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 60 day commitment. Any change of loan after commitment issued – $400.00 fee.  Payment example: $100,000 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. No Prepayment Penalty. 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. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $502 to $529 on single family homes or $602 to $629 on multiple family homes (2-4). Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

Featured Products

Security Center

Security Tips to Help You Stay Safe

Check out the security tips in our security center for information about ways to improve your cyber security and stay safe while banking online.

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Line of Credit

Overdraft coverage for your checking account

Get the peace of mind in knowing that funds will be transferred automatically, up to your approved line amount, to cover a negative balance in the event of an overdraft.

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Savings

Hometown Savings

A great way to start to build up your savings, this account is simple by design, to make it easier to save.

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Personal

    Loans

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

    • Compare Checking Accounts
      • My Generation Checking
      • Hometown Checking Account
      • Advantage NOW Checking
      • Advantage 50 Checking
    • Online Banking
      • Bill Pay
    • Mobile Banking
      • Mobile Check Deposit
    • Debit Cards
      • Card Controls
    • ATM
    • Telephone Banking
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  • Savings

    • Compare Savings Options
      • Hometown Savings
      • Hometown Money Market
      • Build Your Own Club Savings
      • First Time Savers
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