Mortgage Rates
15 Year Fixed Rate Mortgage
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
4.500 | 4.519 | 0 | Get a Personalized Rate | Learn More |
4.375 | 4.543 | 1 | Get a Personalized Rate | Learn More |
4.250 | 4.569 | 2 | Get a Personalized Rate | Learn More |
20 Year Fixed Rate Mortgage
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
4.875 | 4.890 | 0 | Get a Personalized Rate | Learn More |
4.750 | 4.884 | 1 | Get a Personalized Rate | Learn More |
4.625 | 4.878 | 2 | Get a Personalized Rate | Learn More |
30 Year Fixed Rate Mortgage
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
5.375 | 5.386 | 0 | Get a Personalized Rate | Learn More |
5.250 | 5.351 | 1 | Get a Personalized Rate | Learn More |
5.125 | 5.316 | 2 | Get a Personalized Rate | Learn More |
30 Year Fixed Rate First Time Home Buyer
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
5.250 | 5.481 | 0 | Get a Personalized Rate | Learn More |
Buyer’s Boost – Purchase – No MI – 15 Year Fixed Rate
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
4.500 | 4.592 | .50 | Get a Personalized Rate | Learn More |
Buyer’s Boost – Purchase – No MI – 30 Year Fixed Rate
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
5.375 | 5.430 | .50 | Get a Personalized Rate | Learn More |
Buyer’s Boost – Purchase – No MI – 15 Year Fixed Rate Jumbo
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
4.625 | 4.703 | .50 | Get a Personalized Rate | Learn More |
Buyer’s Boost – Purchase – No MI – 30 Year Fixed Rate Jumbo
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
5.125 | 5.171 | .50 | Get a Personalized Rate | Learn More |
15 Year Fixed Rate Jumbo Mortgage
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
4.625 | 4.628 | 0 | Get a Personalized Rate | Learn More |
30 Year Fixed Rate Jumbo Mortgage
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
5.125 | 5.127 | 0 | Get a Personalized Rate | Learn More |
Refi Boost – Refinance – No MI – 15 Year Fixed Rate
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
4.500 | 4.592 | .50 | Get a Personalized Rate | Learn More |
Refi Boost – Refinance – No MI – 30 Year Fixed Rate
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
5.375 | 5.430 | .50 | Get a Personalized Rate | Learn More |
Refi Boost – Refinance – No MI – 15 Year Fixed Rate Jumbo
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
4.625 | 4.703 | .50 | Get a Personalized Rate | Learn More |
Refi Boost – Refinance – No MI – 30 Year Fixed Rate Jumbo
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
5.125 | 5.171 | .50 | Get a Personalized Rate | Learn More |
5 Year Adjustable Rate Mortgage
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
3.875 | 4.982 | 0 | Get a Personalized Rate |
DETAILS: Five Year ARM – Interest rate can change annually after remaining fixed for Five 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 $647,200.00. 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 MI. 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. Rates reflect discount for Autopay from a TSB Account. Add 0.25% to rate without Autopay. Application fee ranges from $578.59 to $605.87 on single family homes or $728.59 to $755.87 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 – 15 Year Fixed Rate
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
6.000 | 6.177 | 1.00 | Get a Personalized Rate |
DETAILS: Maximum loan limit is $975,000. Call for Jumbo Pricing over $647,200. 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. Rates reflect discount for Autopay from a Torrington Savings Bank account. Add 0.25% to rate without Autopay. Application fee ranges from $703.59 to $730.87 on single family homes or $728.59 to $755.87 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.
Investor – Non-Owner Occupied – 30 Year Fixed Rate
Effective Date: July 3, 2022
Rate | APR | Points | ||
---|---|---|---|---|
6.875 | 6.987 | 1.00 | Get a Personalized Rate |
DETAILS: Maximum loan limit is $975,000. Call for Jumbo Pricing over $647,200. 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. Rates reflect discount for Autopay from a Torrington Savings Bank account. Add 0.25% to rate without Autopay. Application fee ranges from $703.59 to $730.87 on single family homes or $728.59 to $755.87 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.