Mortgage Rates

All loans subject to Credit Approval

Unless otherwise noted: Maximum Loan Amount $453,100 Jumbo Rates Available
Construction to Permanent Loans: Fixed Rates at 0.25% above the posted rates.

For All Fixed Rate and ARM Programs: 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 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. Rate / APR assume 20% down payment.

Maximum Loan to Value (LTV) for single family owner-occupied homes is 80% on refinances; 90% on purchases, for Attached Condominium / PUD Max LTV 75%; LTVs above 80% will requre Private Mortgage Insurance (PMI).

For All Fixed Rate and ARM Programs: 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 Wednesday, January 17, 2018

PointsInterest RateAPRPayment per $1,000PaymentsApply
15 Year
2.0003.250%3.618%$7.03Show Payments
1.0003.375%3.601%$7.09Show Payments
0.0003.500%3.583%$7.15Show Payments
30 Year
2.0003.875%4.086%$4.70Show Payments
1.0004.000%4.131%$4.77Show Payments
0.0004.125%4.175%$4.85Show Payments

First Time Homebuyer Program- Rate will be 0.125% below our 30 year 0 point fixed rate. Applicants must be at or below the HUD Defined Area Median Household Income. No Appraisal Fee. Max LTV 95%. PMI required on LTV above 80%. Further restricions apply - please ask us for details.


ADJUSTABLE RATE MORTGAGES (ARM)
- 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.

Rates as of Wednesday, January 17, 2018

PointsInterest RateAPRFully Indexed RatePayment per $1,000PaymentsApply
1/1 ARM - 2-6 Caps
0.0002.875%4.439%N/A$4.15Show Payments
5/1 ARM - 2-6 Caps
0.0003.000%4.028%N/A$4.22Show Payments
7/1 ARM - 2-6 Caps
0.0003.375%4.030%N/A$4.42Show Payments


NON-CONVENTIONAL:
Jumbo to $1,000,000: Owner Occupied only, Maximum LTV 80%

NON OWNER OCCUPIED: Investor program: 1-4 Family, Rate is 1.25% over 20 year fixed program, maximum LTV 70%, maximum 20 year term

LAND LOANS: Maximum LTV 75%; 10 year amortization

Rates as of Wednesday, January 17, 2018

PointsInterest RateAPRFully Indexed RatePayment per $1,000PaymentsApply
1/1 ARM - 2-6 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.
1.0004.250%5.813%N/A$10.24Show Payments

BRANCH OFFICES:

Winsted
Main Office
860-379-7561Sandra Confort
Pam Dean

NMLS #532615
NMLS #1090437


Avon860-677-2809Kim Murphy
NMLS #532610

Granby860-653-7228Annelise Hurley
Lindsay West
NMLS #532602
NMLS #1514567

New Hartford860-693-8397Carol Monroe
Michelle Teodorczyk
NMLS #532606
NMLS #532617

Torrington860-482-3423Monica Diulio
Linda Newton
NMLS #532600
NMLS # 532612

RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE. PLEASE CALL FOR CURRENT RATE QUOTES.