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    Torrington Savings Bank team accepting Best Places to Work Award

    TSB Recognized as ‘Best Place to Work’ by the Hartford Business Journal

    Foundation check presentation to LARC

    Torrington Savings Foundation Awards Over $107,000 in Support of Education

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    Torrington Savings Bank team accepting Best Places to Work Award

    TSB Recognized as ‘Best Place to Work’ by the Hartford Business Journal

    Foundation check presentation to LARC

    Torrington Savings Foundation Awards Over $107,000 in Support of Education

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    Torrington Savings Bank team accepting Best Places to Work Award

    TSB Recognized as ‘Best Place to Work’ by the Hartford Business Journal

    Foundation check presentation to LARC

    Torrington Savings Foundation Awards Over $107,000 in Support of Education

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Home Loans

TSB has Great Mortgage Options for You.

Whether you’re a first time homebuyer, or have had previous mortgages, there are many benefits to getting a loan with Torrington Savings Bank.

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The TSB Home Loan Advantage

  • As local lenders with local decision makers, we have more flexibility to help borrowers than other banks.
  • As a mutual bank, we’re able to keep fees lower so your closing costs are better.
  • If you want to meet with a lender, we have one available at every branch location. And they don’t hide behind voicemail or automated phone systems, so you can always give us a call.
  • If you prefer to apply or get prequalified online, you can do that too.

Plus, we offer a variety of mortgage programs and terms so that you’re able to find a program that works for your situation. Whether you’re looking to avoid Mortgage Insurance or to get a better rate, to pay your mortgage off sooner or to use funds for property rehabilitation upfront – our lenders can provide options that make sense for all these goals, so that you can apply for the best mortgage for your homeownership needs.

Compare Home Loans

Learn more about our different options below or contact a member of our team today. Or if you see an option that you like, just apply now!

First Time Home Buyers
Rate5.625
APR5.865
Closing Fees
Payment

First Time Homebuyers Details

1. Successful completion of our free Homebuyer education course is required to receive the $600 credit toward closing costs. This credit is for First Home Purchases Only. This credit is subject to qualification, credit approval and closing. The discount will be taken at closing time. Maximum loan limit is $726,200.00. 2. Down Payments of 10–19% may require mortgage insurance. Less than 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. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee ranges from $600.92 to $652.39 on single-family, existing owner-occupied properties; and $750.92 to $802.39 on new construction. Application fee includes cost of appraisal and credit reports. 3. Based on $100,000 mortgage; taxes, homeowners or mortgage insurance not included; payment will be greater if taxes and/or insurance are escrowed. May require flood insurance. Rates subject to change. Consult a loan representative for more details.

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15 Year Fixed Mortgage
Rate5.250
APR5.269
Closing Fees
Payment

Conventional Mortgages Details

Maximum loan limit is $726,200.00. Conventional LTV (loan to value) 80.01% to 97% may require MI. 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.  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 $600.92 to $652.39 on single family homes or $750.92 to $802.39 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.

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20 Year Fixed Mortgage
Rate5.625
APR5.640
Closing Fees
Payment

Conventional Mortgages Details

Maximum loan limit is $726,200.00. Conventional LTV (loan to value) 80.01% to 97% may require MI. 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.  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 $600.92 to $652.39 on single family homes or $750.92 to $802.39 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.

Apply Now

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30 Year Fixed Mortgage
Rate5.750
APR5.762
Closing Fees
Payment

Conventional Mortgages Details

Maximum loan limit is $726,200.00. Conventional LTV (loan to value) 80.01% to 97% may require MI. 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.  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 $600.92 to $652.39 on single family homes or $750.92 to $802.39 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.

Apply Now

Learn More

Take the first step to getting a mortgage

Maybe you already have a house and a price range in mind…or maybe you’re just starting to think buying a home and haven’t really run all the numbers yet. Either way, it’s helpful to go from wondering how much house you can afford, to knowing what you can afford. That’s where Torrington Savings Bank can help!

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Mortgage Calculators

Trying to decide how much you can afford? Use our online calculators to run some different numbers.

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Contact a Lender

Connect with our local lenders who can help to answer questions you might have regarding home financing options, and your unique homebuying situation.

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Featured Products

Savings

CD Specials

Boost your savings with our CD Rate Specials. Relax knowing you have guaranteed returns for your tomorrow.

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Mortgages

10% Down, NO MI

It's possible with TSB's special Buyer's Boost program for well-qualified borrowers.

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Loans

Home Equity Loan

A Home Equity Loan is a great borrowing option when you need a large fixed amount because it costs you less than most other methods to borrow.

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