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Fixed Rate

Refinance Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
FastPay Refinance8 years 2.990%03.133%$11.73
FastPay Refinance12 years 3.240%03.338%$8.39
EasyPay Refinance25 years 3.625%03.677%$5.07
*Interest Rate and Annual Percentage Rate (APR) effective as of August 21, 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 Mortgages15 years 2.750%23.284%$6.79
15 years 2.875%13.262%$6.85
15 years 3.000%03.242%$6.91
20 years 3.125%23.545%$5.61
20 years 3.250%13.556%$5.67
20 years 3.375%03.568%$5.74
30 years 3.250%23.551%$4.35
30 years 3.375%13.595%$4.42
30 years 3.500%03.639%$4.49
*Interest Rate and Annual Percentage Rate (APR) effective as of August 21, 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 3.375%23.679%$4.42
30 years 3.500%13.722%$4.49
30 years 3.625%03.766%$4.56
*Interest Rate and Annual Percentage Rate (APR) effective as of August 21, 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 3.125%13.481%$6.97
20 years 3.500%13.779%$5.80
30 years 3.625%13.825%$4.56
*Interest Rate and Annual Percentage Rate (APR) effective as of August 21, 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%06.995%$19.57
10 years 6.750%07.016%$11.48
15 years 7.000%07.191%$8.99
20 years7.250%07.405%$7.90
*Interest Rate and Annual Percentage Rate (APR) effective as of March 15, 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 3.000%1.53.429%$6.91
20 years 3.375%1.53.711%$5.74
30 years 3.500%1.53.741%$4.49
*Interest Rate and Annual Percentage Rate (APR) effective as of August 21, 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 3.125%13.481%$6.97
20 years 3.500%13.779%$5.80
30 years 3.625%13.825%$4.56
*Interest Rate and Annual Percentage Rate (APR) effective as of August 21, 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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