Refinance with
No Mortgage Insurance

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00. 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 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. Rates reflect discount for Auto-Pay from a Torrington Savings Bank account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.* No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.