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Our customers’ and employees’ health and safety remain one of our top priorities; TSB branch lobbies are now open for walk-in service. We are continuing to follow appropriate COVID-19 safety protocols, for the latest information please view our COVID-19 Update page.

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    Torrington Savings Foundation is Now Accepting Grant Applications

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    Torrington Savings Foundation Awards Over $100,000 for Community Revitalization and Pandemic Relief

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    Torrington Savings Foundation is Now Accepting Grant Applications

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    Torrington Savings Foundation Awards Over $100,000 for Community Revitalization and Pandemic Relief

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    Torrington Savings Foundation Logo

    Torrington Savings Foundation is Now Accepting Grant Applications

    Torrington Savings Foundation Logo

    Torrington Savings Foundation Awards Over $100,000 for Community Revitalization and Pandemic Relief

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Mortgages

TSB Construction Mortgage

If you want to build a new home, Torrington Savings Bank can help you finance construction from land to foundation to fixtures – all with just one closing.

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Construction Mortgage Details

Payment based on a 29,19, or 14 year term. Construction Permanent 90%  LTV (loan to value). Loan exceeding 80.01% LTV requires PMI. Interest only during construction period. Inspection Fee – $150.00 each occurrence. Application fee ranges from $501.04 to $527.63 on single family homes or $601.04 to $673.63 on multiple family homes (2-4). Application fee includes cost of appraisal and credit reports. Any change of loan after commitment issued – $400.00 fee. Consult a loan representative for more details.

A Construction Loan to Build Your Dream Home.

Whether you want a loan to purchase land and build a new house or to make a substantial addition to an existing home at the time of purchase, a Torrington Savings Bank Construction Mortgage is a great option to finance home construction.

As a construction to permanent loan, a TSB Construction Mortgage offers the benefits of interest only payments during the build period with just one closing so that you’re able to focus on getting your house built without the additional time and expense of multiple closings.

Plus, TSB mortgages are available in a 15, 20, or 30 fixed year term, so that as you’re building the best new home for you, you’re also working with a bank that is helping you structure the best repayment plan to fit your borrowing needs.

Features include:

  • Single closing construction loan to permanent fixed-rate mortgage
  • 15, 20 or 30 year fixed terms
  • Interest only during construction period
  • Inspection Fees – $150.00 per inspection

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Mortgage Refinancing

When it comes to a home loan, lower rates are not always better. Since you bought your home, your individual needs and circumstances might have changed, but are you a good candidate to refinance?

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Jumbo mortgage

Jumbo mortgage is the industry term for home loan amounts ranging from $548,251 to $2,000,000.

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Buyer’s Boost

TSB Buyer’s Boost Mortgage Program allows well-qualified borrowers to get competitive rates while putting as little as 10% down.

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Conventional Mortgages

Torrington Savings Bank conventional mortgages offer great rates with flexible term options, and low fees & closing costs.

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First Time Homebuyers

TSB helps first time borrowers become new homeowners with a special program designed to make buying a first home more affordable.

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Compare Accounts

Construction Mortgage Details:

Payment based on a 29,19, or 14 year term. Construction Permanent 90%  LTV (loan to value). Loan exceeding 80.01% LTV requires PMI. Interest only during construction period. Inspection Fee – $150.00 each occurrence. Application fee ranges from $501.04 to $527.63 on single family homes or $601.04 to $673.63 on multiple family homes (2-4). Application fee includes cost of appraisal and credit reports. Any change of loan after commitment issued – $400.00 fee. Consult a loan representative for more details.

Featured Products

Mortgages

10% Down, NO PMI

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

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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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Checking

The Perfect Account for Your $20s

A My Generation Checking Account has no monthly maintenance fees but all the great banking services a young adult needs.

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      • First Time Homebuyers
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      • Conventional Mortgage
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    • 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

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      • Advantage NOW Checking
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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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NMLS #404919

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