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    Torrington Savings Foundation Awards Over $119,000 in Support of Housing & Education

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TSB LOANS

Home Equity Loan

Borrow a fixed amount of money using the equity in your home and keep your interest rates much lower than most other borrowing options.

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Home Equity Loan Details

Homeowners insurance is required; flood insurance may be required. Properties listed for sale are not eligible for this program. Loan must be secured by a first or second lien on primary residences. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank Account. Add .25% to rates quoted, if waiver of Auto-Pay is granted. Auto-Pay from a Torrington Savings Bank Account is mandatory on all Home Equity 100 products. Consult with your tax advisor to learn more about the potential for a tax deduction on the interest. Home Equity Loans are not eligible for remote closings. If your loan is approved, you will need to schedule a convenient time to sign the loan documents in a TSB branch. Not all borrowers will qualify to borrow up to 100% of the value of their home; contact us for details.

A Great Loan Option

If you’d like to borrow a lump sum of money using the equity in your home, getting a Torrington Savings Bank Home Equity Loan is a great option that costs less than most other borrowing methods.

Even better, TSB offers a special Equity 100 home equity program that allows well-qualified borrowers to borrow up to 100% of the value of their home. Torrington Savings Bank offers Home Equity Loans at fixed rates with various term options.

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Features of a Torrington Savings Bank Home Equity Loan:

  • No closing costs
  • No application fees
  • No appraisal fees
  • 5, 10, 15 or 20 year fixed term options
  • Fixed monthly payment
  • Interest may be tax deductible
  • Borrow up to 100% of the value of your home

Home Equity Loans

Effective Date: May 19, 2022

Apply Now
Rate APR
Home Equity Loan – 20 Year 5.250 5.250
Home Equity Loan – 15 Year 5.125 5.125
Home Equity Loan – 10 Year 4.750 4.750
Home Equity Loan – 5 Year 4.125 4.125
Home Equity 100 – 20 Year 1st Lien 5.625 5.625
Home Equity 100 – 15 Year 1st Lien 5.375 5.375
Home Equity 100 – 10 Year 1st Lien 5.125 5.125
Home Equity 100 – 5 Year 1st Lien 4.875 4.875
Home Equity 100 – 20 Year 2nd Lien 7.000 7.000
Home Equity 100 – 15 Year 2nd Lien 6.750 6.750
Home Equity 100 – 10 Year 2nd Lien 6.500 6.500
Home Equity 100 – 5 Year 2nd Lien 6.250 6.250

Home Equity Loan Details:

Homeowners insurance is required; flood insurance may be required. Properties listed for sale are not eligible for this program. Loan must be secured by a first or second lien on primary residences. Properties with underground fuel storage tanks are not eligible. Rates reflect discount for Auto-Pay from a Torrington Savings Bank Account. Add .25% to rates quoted, if waiver of Auto-Pay is granted. Auto-Pay from a Torrington Savings Bank Account is mandatory on all Home Equity 100 products. Consult with your tax advisor to learn more about the potential for a tax deduction on the interest. Home Equity Loans are not eligible for remote closings. If your loan is approved, you will need to schedule a convenient time to sign the loan documents in a TSB branch. Not all borrowers will qualify to borrow up to 100% of the value of their home; contact us for details.

Featured Products

Savings

Hometown Savings

A great way to start to build up your savings, this account is simple by design, to make it easier to save.

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Line of Credit

Overdraft coverage for your checking account

Get the peace of mind in knowing that funds will be transferred automatically, up to your approved line amount, to cover a negative balance in the event of an overdraft.

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Learn More
Loans

An Equity Line for Less than Prime

Use the equity in your home to help pay expenses just like with a credit card – but with a MUCH lower interest rate.

Learn More
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    • Compare Home Loans
      • First Time Homebuyers
      • Buyer’s Boost
      • Refi Boost
      • Conventional Mortgage
      • Jumbo Mortgage
      • Construction Loan
    • Contact a Residential Lender
    • Home Equity Comparison
      • Home Equity Loan
      • Home Equity Line of Credit
    • Personal Loan
      • Collateral Secured Loans
      • Life Loan
      • Overdraft Line of Credit
  • Checking

    • Compare Checking Accounts
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*Please note to open an account online you must be 18 years or older and a Connecticut resident.

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