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    Torrington Savings Foundation Awards Over $100,000 for Community Revitalization and Pandemic Relief

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Mortgage Rates

15 Year Fixed Rate Mortgage

Effective Date: January 19, 2021

Apply Now
Rate APR Points
2.500 2.506 0 Get a Personalized Rate Learn More
2.375 2.522 1 Get a Personalized Rate Learn More
2.250 2.540 2 Get a Personalized Rate Learn More

Conventional Mortgages Details

Maximum loan limit is $548,250.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 60 day commitment. Payment example: $100,000 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $499 to $524 on single family homes or $649 to $673 on multiple family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

20 Year Fixed Rate Mortgage

Effective Date: January 19, 2021

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Rate APR Points
2.875 2.879 0 Get a Personalized Rate Learn More
2.750 2.865 1 Get a Personalized Rate Learn More
2.625 2.850 2 Get a Personalized Rate Learn More

Conventional Mortgages Details

Maximum loan limit is $548,250.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 60 day commitment. Payment example: $100,000 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $499 to $524 on single family homes or $649 to $673 on multiple family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

30 Year Fixed Rate Mortgage

Effective Date: January 19, 2021

Apply Now
Rate APR Points
3.000 3.003 0 Get a Personalized Rate Learn More
2.875 2.956 1 Get a Personalized Rate Learn More
2.750 2.909 2 Get a Personalized Rate Learn More

Conventional Mortgages Details

Maximum loan limit is $548,250.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 60 day commitment. Payment example: $100,000 loan at 4.75% for 360 months (30 years) is a monthly payment of $521.65. This does not include taxes or insurance. Flood insurance may be required. Properties with underground fuel storage tanks are not eligible. Application fee ranges from $499 to $524 on single family homes or $649 to $673 on multiple family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

30 Year Fixed First Time Home Buyer

Effective Date: January 19, 2021

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Rate APR Points
2.875 2.878 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 towards closing cost. This credit is for First Home Purchases only, and is subject to qualification, credit approval and closing. The discount will be taken at closing time. Down payments of 10-19% may require mortgage insurance. Less that 10% down requires mortgage insurance. 60-day commitment. Must be owner-occupied 1-2 family homes in Connecticut. Properties with underground oil storage tanks are not eligible. Application fees range from $502 to $524 on single-family homes or $627 to $649 on multi-family homes. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

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

Effective Date: January 19, 2021

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Rate APR Points
3.00 3.042 .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 $510,400.00. 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. Application fee ranges from $501.04 to $527.63 on single family homes or $601.04 to $673.63 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: January 19, 2021

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Rate APR Points
3.375 3.416 .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 $510,400.00. 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. Application fee ranges from $501.04 to $527.63 on single family homes or $601.04 to $673.63 on multiple family homes (2-4). Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

15 Year Fixed Rate Jumbo Mortgage

Effective Date: January 19, 2021

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Rate APR Points
3.00 3.012 0 Get a Personalized Rate Learn More

Jumbo mortgage Details

Minimum down payment of 10%; LTV 80.01% to 90% may require Private Mortgage Insurance. Maximum fixed rate jumbo mortgage with PMI is $1,250,000.00. If less than 20% is put down, PMI may be required. Must be an owner-occupied, single family home. Application fee range of $677 to $699. Application Fee includes the cost of appraisal and credit report. Consult a loan representative for more details.

30 Year Fixed Rate Jumbo Mortgage

Effective Date: January 19, 2021

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Rate APR Points
3.375 3.396 0 Get a Personalized Rate Learn More

Jumbo mortgage Details

Minimum down payment of 10%; LTV 80.01% to 90% may require Private Mortgage Insurance. Maximum fixed rate jumbo mortgage with PMI is $1,250,000.00. If less than 20% is put down, PMI may be required. Must be an owner-occupied, single family home. Application fee range of $677 to $699. Application Fee includes the cost of appraisal and credit report. Consult a loan representative for more details.

3 Year Adjustable Rate Mortgage

Effective Date: January 19, 2021

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Rate APR Points
3.125 2.933 0 Get a Personalized Rate

DETAILS: All ARMs – 2% increase/decrease in any adjustment period. Maximum of 6% increase over life of the mortgage. Future changes will be based on the one year treasury constant maturity plus 2.75%. The one year treasury constant maturity is .10%. Maximum Adjustable Rate Loan is $548,250.00. APR’s 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 Loan To Value (LTV) 80.01% – 85.00% may require Private Mortgage Insurance (PMI). MAX LTV 85% SFR ONLY No Prepayment Penalty. 60 day commitment. Properties with underground fuel storage tanks are not eligible. Application Fee of $626.04 – $652.63 on Conv. Investor One Family; $601.04 – $627.63 on Multi-Family Investor Property (2-4) Application fee includes cost of Appraisal and Credit Reports. Any change of loan after Commitment issued – $400.00 fee. Certificate of Zoning Compliance required on all investment purpose properties.

5 Year Adjustable Rate Mortgage

Effective Date: January 19, 2021

Apply Now
Rate APR Points
3.250 3.008 0 Get a Personalized Rate

DETAILS: All ARMs – 2% increase/decrease in any adjustment period. Maximum of 6% increase over life of the mortgage. Future changes will be based on the one year treasury constant maturity plus 2.75%. The one year treasury constant maturity is .10%. Maximum Adjustable Rate Loan is $548,250.00. APR’s 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 Loan To Value (LTV) 80.01% – 85.00% may require Private Mortgage Insurance (PMI). MAX LTV 85% SFR ONLY No Prepayment Penalty. 60 day commitment. Properties with underground fuel storage tanks are not eligible. Application Fee of $626.04 – $652.63 on Conv. Investor One Family; $601.04 – $627.63 on Multi-Family Investor Property (2-4) Application fee includes cost of Appraisal and Credit Reports. Any change of loan after Commitment issued – $400.00 fee. Certificate of Zoning Compliance required on all investment purpose properties.

1 Year Adjustable Rate Mortgage

Effective Date: January 19, 2021

Apply Now
Rate APR Points
2.875 2.878 0 Get a Personalized Rate

DETAILS: All ARMs – 2% increase/decrease in any adjustment period. Maximum of 6% increase over life of the mortgage. Future changes will be based on the one year treasury constant maturity plus 2.75%. The one year treasury constant maturity is .10%. Maximum Adjustable Rate Loan is $548,250.00. APR’s 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 Loan To Value (LTV) 80.01% – 85.00% may require Private Mortgage Insurance (PMI). MAX LTV 85% SFR ONLY No Prepayment Penalty. 60 day commitment. Properties with underground fuel storage tanks are not eligible. Application Fee of $626.04 – $652.63 on Conv. Investor One Family; $601.04 – $627.63 on Multi-Family Investor Property (2-4) Application fee includes cost of Appraisal and Credit Reports. Any change of loan after Commitment issued – $400.00 fee. Certificate of Zoning Compliance required on all investment purpose properties.

Investor – Non-Owner Occupied – 15 Year Fixed

Effective Date: January 19, 2021

Rate APR Points
3.875 4.027 1.00 Get a Personalized Rate

DETAILS: Conventional Investor Fixed APR’s based on $100,000.00 mortgage, 20% down payment. Maximum Conventional Fixed Rate Loan is $548,250.00. 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 requiredConventional Loan To Value (LTV) 80.01% – 85.00% may require Private Mortage Insurance (PMI). MAX LTV 85% SFR ONLY No Prepayment Penalty. 60 Day CommitmentProperties with underground fuel storage tanks are not eligible. Application Fee of $626.04 – $652.63 on Conv. Investor One Family; $601.04 – $627.63 on Multi-Family Investor Property (2-4) Application fee includes cost of Appraisal and Credit Reports. Any change of loan after Commitment issued – $400.00 fee. Certificate of Zoning Compliance required on all investment purpose properties. Consult a Loan Representative for details. 860-496-2152

Investor – Non-Owner Occupied – 30 Year Fixed

Effective Date: January 19, 2021

Rate APR Points
4.375 4.463 1.00 Get a Personalized Rate

DETAILS: Conventional Investor Fixed APR’s based on $100,000.00 mortgage, 20% down payment. Maximum Conventional Fixed Rate Loan is $548,250.00. 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 requiredConventional Loan To Value (LTV) 80.01% – 85.00% may require Private Mortage Insurance (PMI). MAX LTV 85% SFR ONLY No Prepayment Penalty. 60 Day CommitmentProperties with underground fuel storage tanks are not eligible. Application Fee of $626.04 – $652.63 on Conv. Investor One Family; $601.04 – $627.63 on Multi-Family Investor Property (2-4) Application fee includes cost of Appraisal and Credit Reports. Any change of loan after Commitment issued – $400.00 fee. Certificate of Zoning Compliance required on all investment purpose properties. Consult a Loan Representative for details. 860-496-2152

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