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Fixed Rate

Refinance Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
FastPay Refinance8 years 3.490%03.607%$11.95
12 years 3.990%04.071%$8.75
EasyPay Refinance25 years 4.000%04.043%$5.28
*Interest Rate and Annual Percentage Rate (APR) effective as of March 15, 2019 and subject to change. APR is 0.25% higher for customers who choose not to sign up for automatic payment from a Jewett City Savings Bank checking account. Payments do not include taxes and insurance, if applicable. Actual payments will be greater. Maximum loan-to-value of 80% on 1 to 4 family owner occupied residential property. Maximum loan-to-value of 75% on owner occupied condominium. Minimum loan amount $25,000. Maximum loan amount $350,000. Not available for new purchases. No homes listed for sale or intended for sale.
Fixed Rate Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
Fixed Rate Mortgages10 years 4.000%04.311%$10.12
15 years 3.500%24.054%$7.15
15 years 3.750%14.158%$7.27
15 years 3.875%04.134%$7.33
20 years 3.750%24.186%$5.93
20 years 4.000%14.322%$6.06
20 years 4.125%04.331%$6.13
30 years 3.875%24.191%$4.70
30 years 4.125%14.360%$4.85
30 years 4.250%04.401%$4.92
*Interest Rate and Annual Percentage Rate (APR) effective as of March 15, 2019 and subject to change. Maximum loan-to-value of 80% on 1 to 4 family owner-occupied residential property. Maximum loan-to-value of 75% on 1 to 4 family non-owner occupied residential property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.

Adjustable Rate

Adjustable Rate Mortgages Available
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Jumbo

Jumbo Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
Jumbo Fixed30 years 4.000%24.319%$4.77
30 years 4.250%14.488%$4.92
30 years 4.375%04.528%$4.99
*Interest Rate and Annual Percentage Rate (APR) effective as of March 15, 2019 and subject to change. Maximum loan-to-value of 80% on 1 to 4 family owner occupied residential property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater. For loan amounts greater than $484,350.

 

Jumbo Construction Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
Construction Fixed15 years 4.000%1.04.364%$7.40
20 years 4.250%1.04.537%$6.19
30 years 4.375%1.04.584%$4.99
*Interest Rate and Annual Percentage Rate (APR) effective as of March 15, 2019 and subject to change. Maximum loan-to-value of 80% on 1 to 2 family owner occupied residential property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater. For loan amounts greater than $484,350.

Land & Construction Loans

Land Loans
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
Land Loans 5 years 6.500%06.626%$19.57
10 years 6.750%06.817%$11.48
15 years 7.000%07.048%$8.99
20 years 7.250%07.289%$7.90
*Interest Rate and Annual Percentage Rate (APR) effective as of January 16, 2019 and subject to change. 75% maximum loan-to-value. Minimum equity $5,000. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.
Construction Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
Construction Fixed15 years 3.875%1.54.314%$7.33
20 years 4.125%1.54.470%$6.13
30 years 4.250%1.54.501%$4.92
*Interest Rate and Annual Percentage Rate (APR) effective as of March 15, 2019 and subject to change. Maximum loan-to-value of 80% on 1 to 2 family owner occupied residential property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater.

 

Jumbo Construction Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
Construction Fixed15 years 4.000%1.04.364%$7.40
20 years 4.250%1.04.537%$6.19
30 years 4.375%1.04.584%$4.99
*Interest Rate and Annual Percentage Rate (APR) effective as of March 15, 2019 and subject to change. Maximum loan-to-value of 80% on 1 to 2 family owner occupied residential property. Other restrictions may apply. Payments do not include taxes and insurance, if applicable. Actual payments will be greater. For loan amounts greater than $484,350.

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Please contact us if you have questions about any of our products and services. You can visit our Resource Center, use our information request form or give us a call at 860-376-4444.

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