Lending Services

Residential Mortgage Rates

All loans subject to Credit Approval

Maximum Loan Amount $484,350
Jumbo Mortgage Rates Available


Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics. The actual Annual Percentage Rate (APR) and fees available to you may differ from the rates posted based on your credit history, loan amount, property type, product features, and loan to value (LTV) ratio. The rates posted are based on certain assumptions that may or may not apply to your loan. All rates and terms shown are subject to change without notice. Property insurance is required. Flood insurance may be required. APR assumes 20% down payment. Loan to Value of 80.01% to 95% will require Private Mortgage Insurance (PMI). Other Terms and Conditions May Apply.

Cost per $1,000 does not include taxes and insurance. The actual payment will be higher if escrow payments for property taxes and/or insurance are made in addition to the regularly scheduled loan payment

Rates as of Thursday, December 26, 2019

Interest RatePointsAPRPayment per $1,000PaymentsApply
30 Year
3.625%1.0003.752%$4.56Show Payments
3.750%0.0003.798%$4.63Show Payments
20 Year
3.500%1.0003.677%$5.80Show Payments
3.625%0.0003.690%$5.86Show Payments
15 Year
3.125%1.0003.348%$6.97Show Payments
3.250%0.0003.331%$7.03Show Payments

Construction to Permanent Loans: Maximum LTV 80%, Fixed Rates are .50% above the posted rates.

First Time Homebuyer Program

Rate will be 0.125% below our published 0 point fixed rates. Applicants must be at or below the HUD Defined Area Median Household Income. No Appraisal Fee. Maximum LTV 95% PMI required on LTV above 80%. Further restrictions apply – please ask us for details.  Other Terms and Conditions May Apply.


ARMs offer an initial fixed interest rate period followed by a period when the rate may adjust annually. Rate caps limit interest rate changes over the life of the loan. The payment per $1,000 below is based on a term of 30 years and the initial interest rate, after which the rate and payments will be determined based on the One Year Treasury Index plus the margin. Other Terms and Conditions May Apply.

1 and 2 point options also available, call for details.

Rates as of Thursday, December 26, 2019

Interest RatePointsAPRPayment per $1,000Apply
1/1 ARM
5/1 ARM
7/1 ARM
Land Loans: Maximum LTV 75%; 10 Year amortization,
1/1 ARM 2% annual and 6% lifetime Caps
Interest rate and payment amount is fixed for the first year, then is subject to change every year with caps of 2% per adjustment and 6% for the life of the loan.

Community Bank. Local Lenders
Purchasing, Building, or Refinancing?
We can help with all your residential lending needs
                      Lori Heath
Lori Heath
NMLS #532624
Catherine Pellino
Catherine Pellino
NMLS #1212087
Lisa McGhee-Kennedy
Lisa McGhee-Kennedy
NMLS #1304011

277 Albany Turnpike Canton, CT 06019
(860) 693-6936Member FDIC
Collinsville Bank136 Main Street Collinsville, CT 06019
(860) 693-5912Equal Housing Lender