We think first-time home buyers deserve a helping hand.
When you’re buying your first home, you deserve a break. That’s why our First-Time Home Buyers’ program eliminates a host of fees and up-front expenses to make financing more affordable.

You may qualify for an $8,000 First Time Home Buyer Tax Credit!
(Click here for details. Don't forget to check with your tax advisor).

4. First-Time Home Buyers' Mortgages* (Effective: Friday, September 10, 2010)
Program	Term	Interest Rate	Points	APR	Monthly Payments per $1000 borrowed
FTHB Fixed No Closing Costs (Conventional: 80% or less loan-to-value. Credit score greater than 740.)	30 years	5.375%	0	5.374%	$5.60
FTHB Fixed PMI No Closing Costs (Over 80% to 95% loan-to-value.)	30 years	5.375%	0	5.966%	$5.60
FTHB Fixed Reduced Closing Costs (Conventional: 80% or less loan-to-value. Credit score greater than 740.)	30 years	5.250%	0	5.249%	$5.52
FTHB Fixed PMI Reduced Closing Costs (Over 80% to 95% loan-to-value.)	30 years	5.250%	0	5.839%	$5.52
*Interest Rate and Annual Percentage Rate (APR) subject to change. To qualify as a first-time home buyer, the borrower cannot have owned a property in the last three years. 1 & 2 family owner occupied. Over 80% to 95% loan-to-value requires private mortgage insurance (PMI). Payments do not include taxes and insurance, if applicable.

Ready to buy your first home?
Please contact us if you have questions about any of our products and services. You can use our information request form or give us a call at (860) 376-4444. Count on us to make your banking easier, more convenient and more enjoyable.