Latest Connecticut Mortgage Rates
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CONVENTIONAL FIXED RATE RATE MORTGAGES (FRM) – ASSUMPTIONS & DISCLOSURE
Subject to credit approval. Pricing for loan amounts up to a maximum of $832,750 Max LTV (loan-to-value) 95%. Annual Percentage Rate (APR) is based on a $100,000.00 loan. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Max LTV is based on the lesser of the sale price (if purchase) or appraised value. Homes for sale ineligible. If property held in trust, trust review fee of $600 will apply. First Time Homebuyer programs available at modified terms. Private mortgage insurance is required on all mortgages that exceed 80% LTV. Contact a Loan Officer for more details.
| LOAN TERM | POINTS | RATE | ANNUAL PERCENTAGE RATE1 | PAYMENT PER $10,0002 | APPLY NOW |
|---|---|---|---|---|---|
| 30 years | 2.00% | 6.000% | 6.353% | $59.96 |
APPLY NOW (FRM 30 YEAR) |
| 20 years | 2.00% | 5.875% | 6.342% | $70.92 |
APPLY NOW (FRM 20 YEAR) |
| 15 years | 2.00% | 5.375% | 5.954% | $81.05 |
APPLY NOW (FRM 15 YEAR) |
| 10 years | 2.00% | 5.250% | 6.073% | $107.29 |
APPLY NOW (FRM 10 YEAR) |
1. Annual Percentage Rate (APR) is based on a $100,000.00 loan. The rate quoted above for the standard Fixed Rate and First Time Homebuyer (FTHB) products are published with an Ascend Bank Access, Preferred Access or Prime Access checking account and having the monthly mortgage payment auto deducted from the account for the life of the loan. If you chose to not have an Ascend Bank Access, Preferred Access or Prime Access checking account and having the monthly mortgage payment auto deducted from the account for the life of the loan the rate is 0.125% higher.
2. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Monthly payments: 30 year, 360 monthly payments; 20 year, 240 monthly payments; 15 year, 180 monthly payments; 10 year, 120 monthly payments.
Conventional Fixed Rate Mortgages (FRM) – Assumptions & Disclosure
Subject to credit approval. Pricing for loan amounts up to a maximum of $832,750 Max LTV (loan-to-value) 95%. Annual Percentage Rate (APR) is based on a $100,000.00 loan. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Max LTV is based on the lesser of the sale price (if purchase) or appraised value. Homes for sale ineligible. If property held in trust, trust review fee of $600 will apply. First Time Homebuyer programs available at modified terms. Private mortgage insurance is required on all mortgages that exceed 80% LTV. Contact a Loan Officer for more details.
Biweekly rates available upon request.
ADJUSTABLE RATE MORTGAGES (ARM) – ASSUMPTIONS & DISCLOSURE
Subject to credit approval. Pricing for loan amounts up to a maximum of $832,750 Max LTV (loan-to-value) 95%. Max. term up to 30 Years. Annual Percentage Rate (APR) is based on a $100,000.00 loan. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Rate may increase after consummation. Max LTV is based on the lesser of the sale price (if purchase) or appraised value. Homes for sale ineligible. If property held in trust, trust review fee of $600 will apply. Private mortgage insurance is required on all mortgages that exceed 80% LTV. Contact a Loan Officer for more details.
| LOAN TERM | POINTS | RATE | ANNUAL PERCENTAGE RATE1 | PAYMENT PER $10,0002 | APPLY NOW |
|---|---|---|---|---|---|
| 5/6 ARM | 0.00% | 5.750% | 6.288% | 60 @ $58.36 and 300 @ $61.91 |
APPLY NOW (ARM 5/6 0PT) |
| 7/6 ARM | 0.00% | 5.875% | 6.277% | 84 @ $59.15 and 300 @ $61.84 |
APPLY NOW (ARM 7/6 0PT) |
1. Annual Percentage Rate (APR) is based on a $100,000.00 loan.
2. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Monthly payments: 30 year, 360 monthly payments; 20 year, 240 monthly payments; 15 year, 180 monthly payments; 10 year, 120 monthly payments.
3. The margin listed for all adjustable rate mortgages above is 2.75% and the fully indexed rate is 7.125%.
4. Subject to credit approval. When the initial fixed interest rate term expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6th month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR rate, as made available by the Federal Reserve Board. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. This is not a commitment to lend. Rates are subject to change without notice. For more information, contact a loan officer. NMLS #517294.
View ARM 5/6 Disclosures: /5-6-arm-disclosure-and-booklet/
View ARM 7/6 Disclosures: /7-6-arm-disclosure-and-booklet/
HOME EQUITY LINE OF CREDIT (HELOC) – ASSUMPTIONS & DISCLOSURE
No points. Credit line limits between $25,000 and $500,000. Maximum Combined Loan To Value (CLTV) is 80%. Other terms and conditions apply. Total term is 240 months which includes an interest-only draw period for the initial ten years and then a ten year principal repayment period. No balance transfer required. Annual Membership Fee is $95.00, waived for the first year. Early termination fee of the lesser of 2% of the initial credit limit or $750.00 for first two years. Auto pay feature must be maintained for life of loan for rate discount. Your rate will be calculated to the Index which is the Prime Rate which is found in the Money Rate Section of The Wall Street Journal. Annual Percentage Rate (APR) may adjust monthly based on changes in the Index. The minimum APR is 3.00%. The maximum APR is 17%. Loan amounts in excess of $250,000 require a full appraisal, paid by applicant. Title Insurance and property insurance are required. Homes for Sale or intended for sale within the next 6 months are not eligible. If property held in trust, trust review fee of $600 and attorney closing fees (Estimated $675) will apply. Primary residences only (single family, condominium, planned unit development (PUD), duplex). Subject to credit approval.
| LOAN TYPE | INTEREST RATE GUIDELINES | APR1 | MAXIMUM AMOUNT | MAXIMUM TERM | LTV | APPLY NOW | ||||||||||||
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| All Access Home Equity Line of Credit (primary residence only) |
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HOME EQUITY LOAN (HEL) – ASSUMPTIONS & DISCLOSURE
No points. Subject to credit approval. Minimum loan amount is $15,000. Maximum loan amount is $500,000 for primary residences and second homes. Maximum loan amount of $250,000 for 1-4 family investment properties. Maximum term of 15 years. Maximum Combined Loan To Value (CLTV) is 80%. Other terms and conditions apply. One-to-four family investment properties have a maximum CLTV of 70%. Full appraisal required for loans greater than $250,000, paid by applicant. Title Insurance and property insurance are required. If property held in trust, trust review fee of $600 and attorney closing fees (Estimated $650-850) will apply. Homes for sale are ineligible. Seasonal and second homes-add 25 basis points to annual percentage rate (APR). All investment property rates are 2.00% higher than stated owner occupied home equity loan rates.
| LOAN TYPE | INTEREST RATE GUIDELINES | APR1 | PAYMENT PER $1,000 | MAXIMUM AMOUNT | MAXIMUM TERM | LTV | APPLY NOW | |||||||||||||||||||||
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| Fixed Rate (owner occupied property only) |
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| Fixed Rate (investment property) | All investment property rates are 2.00% higher than stated owner occupied home equity loan rates above. | $250,000 | 15 years | 70% |
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1. Subject to credit approval. Annual Percentage Rate (APR) is based on a $100,000.00 loan.
| LOAN TYPE | INTEREST RATE GUIDELINES | APR | PAYMENT PER $1,0001 | MAXIMUM AMOUNT | MAXIMUM TERM | LTV | APPLY NOW | ||||||||||||||||||||||
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This is not a commitment to lend. Subject to credit approval. Rates are subject to change without notice. For more information, contact a loan officer. NMLS#517294.
Notes:
1. Monthly payment per $1,000.
