Mortgage Rates

Maximum loan limit is $647,200.00. 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 $578.59 to $605.87 on single family, $728.59 to $755.87 on two to four family properties; existing, owner occupied properties; $703.59 to $730.87 on investment properties; and $728.59 to $755.87 on new construction. 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.

Maximum loan limit is $647,200.00. 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 $578.59 to $605.87 on single family, $728.59 to $755.87 on two to four family properties; existing, owner occupied properties; $703.59 to $730.87 on investment properties; and $728.59 to $755.87 on new construction. 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.

Maximum loan limit is $647,200.00. 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 $578.59 to $605.87 on single family, $728.59 to $755.87 on two to four family properties; existing, owner occupied properties; $703.59 to $730.87 on investment properties; and $728.59 to $755.87 on new construction. 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.

Successful completion of our free Homebuyer education course is required to receive the $600 credit towards closing cost. This credit is for First Home Purchases only, and is subject to qualification, credit approval and closing. The discount will be taken at closing time. Maximum loan limit is $647,200.00. Down payments of 10-19% may require mortgage insurance. Less that 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. Application fee includes cost of appraisal and credit reports. Consult a loan representative for more details.

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

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.  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.

Buyer’s Boost – Purchase – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI.  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.

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

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.  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.

Buyer’s Boost – Purchase – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI.  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.

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

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.  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.

Buyer’s Boost – Purchase – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI.  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.

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

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.  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.

Buyer’s Boost – Purchase – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 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 Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 97% may require MI.  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.

Minimum down payment of 3%-5% depending on Loan Amount; LTV exceeding 80.01% may require Mortgage Insurance. Maximum fixed rate jumbo mortgage with MI is $1,150,000.00. If less than 20% is put down, PMI may be required. Must be an owner-occupied, single family home. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee range of $728.59 to $755.87. Application fee includes the cost of appraisal and credit report. Consult a loan representative for more details.

Minimum down payment of 3%-5% depending on Loan Amount; LTV exceeding 80.01% may require Mortgage Insurance. Maximum fixed rate jumbo mortgage with MI is $1,150,000.00. If less than 20% is put down, PMI may be required. Must be an owner-occupied, single family home. Rates reflect discount for Auto-Pay from a TSB account. Add 0.25% to rate without Auto-Pay. Application fee range of $728.59 to $755.87. Application fee includes the cost of appraisal and credit report. Consult a loan representative for more details.

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require PMI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require PMI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require PMI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Fixed Rate

Maximum loan limit is $647,200.00 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 $578.59 to $605.87 on single family, existing, owner occupied properties; and $728.59 to $755.87 on new construction. 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 Mortgage Insurance. 1-2 Family, owner occupied or second home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require PMI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Refi Boost – Refinance – No MI – Jumbo

Minimum loan limit is $647,201.00. Maximum loan limit $1,000,000.00.  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 $728.59 to $755.87 on single family, existing, owner occupied properties; and $828.59 to $855.87 on new construction. 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 Mortgage Insurance. 1-2 Family, Owner Occupied or Second Home; no Investment. Refinance only. Minimum FICO of 720. Loans not fitting the requirements above will be required to qualify for and obtain borrower paid Mortgage Insurance. Conventional LTV (loan to value) 80.01% to 90% may require MI.*  No Prepayment Penalty. Consult a loan representative for more specific information. Interest rates are subject to change at any time, without notice and may vary according to the property and loan characteristics.

Maximum loan limit is $647,200.00. Higher loan amounts may be available, contact a loan representative. Maximum LTV (loan to value) 90.00%. LTV 80.01% to 90% may require MI. 12 month construction phase requires interest only payments on balance owed from advances completed. 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. Inspections required for advances during construction $175.00 per occurrence. Property insurance is required. Builders risk insurance required. Must have general contractor. 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 $728.59 to $755.87 on single family, existing, owner occupied properties. Application fee includes cost of appraisal and credit reports. 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.

Maximum loan limit is $647,200.00. Higher loan amounts may be available, contact a loan representative. Maximum LTV (loan to value) 90.00%. LTV 80.01% to 90% may require MI. 12 month construction phase requires interest only payments on balance owed from advances completed. 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. Inspections required for advances during construction $175.00 per occurrence. Property insurance is required. Builders risk insurance required. Must have general contractor. 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 $728.59 to $755.87 on single family, existing, owner occupied properties. Application fee includes cost of appraisal and credit reports. 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.

Maximum loan limit is $647,200.00. Higher loan amounts may be available, contact a loan representative. Maximum LTV (loan to value) 90.00%. LTV 80.01% to 90% may require MI. 12 month construction phase requires interest only payments on balance owed from advances completed. 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. Inspections required for advances during construction $175.00 per occurrence. Property insurance is required. Builders risk insurance required. Must have general contractor. 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 $728.59 to $755.87 on single family, existing, owner occupied properties. Application fee includes cost of appraisal and credit reports. 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.