Mortgage Rates

Maximum loan limit is $726,200.00. Conventional LTV (loan to value) 80.01% to 97% may require PMI. 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 $606.23 to $657.70 on single family homes or $756.23 to $807.70 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. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

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 Private Mortgage Insurance. Less than 10% down requires Private 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 $606.23 to $657.70 on single-family, existing owner-occupied properties; and $756.23 to $807.70 on new construction. Application fee includes cost of appraisal and credit reports.

Payment includes principal and interest calculated by the rate. Payment will be greater if taxes and/or insurance are escrowed. May require flood insurance. Rates subject to change. This information is being provided for informational purposes only and is neither a loan commitment nor a guarantee of any interest rate. Consult a loan representative for more details. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

Buyer’s Boost – Purchase – No PMI – Fixed Rate

Maximum loan limit is $726,200.00 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 or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. 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 $606.23 to $657.70 on single family homes or $756.23 to $807.70 on multiple family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. 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. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

Buyer’s Boost – Purchase – No PMI – Jumbo

Minimum loan limit is $726,201.00. Maximum loan limit $1,089,300.00. 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 or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. 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 $756.23 to 807.70 on single family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. 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. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

Buyer’s Boost – Purchase – No PMI – Fixed Rate

Maximum loan limit is $726,200.00 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 or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. 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 $606.23 to $657.70 on single family homes or $756.23 to $807.70 on multiple family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. 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. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.

Buyer’s Boost – Purchase – No PMI – Jumbo

Minimum loan limit is $726,201.00. Maximum loan limit $1,089,300.00. 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 or insurance escrow. APR’s based on $100,000.00 mortgage, 20% down payment. 60 day commitment. Any change of loan after commitment issued – $400.00 fee. Property insurance is required. Flood insurance may be required. 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 $756.23 to 807.70 on single family homes. Application fee includes cost of appraisal and credit reports. Available to borrower(s) at a maximum loan to value of 90% without the need for Private Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Purchase only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Private Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require PMI. No Prepayment Penalty. 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. Your rate will depend on various factors including loan product, loan amount, loan purpose, credit profile, property value, occupancy, and other factors. Rate / APR displayed assumes 20% down payment, purchase transaction, owner occupied, single family detached home, FICO score of 700 minimum.