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Fixed Rate

Refinance Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
FastPay Refinance8 years 2.500%02.642%$11.50
FastPay Refinance12 years 2.750%02.847%$8.16
EasyPay Refinance25 years 3.250%03.301%$4.87
*Interest Rate and Annual Percentage Rate (APR) effective as of July 28, 2020 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 $450,000. 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 2.625%23.155%$6.73
15 years 2.750%13.135%$6.79
15 years 3.000%03.242%$6.91
20 years 2.875%23.289%$5.48
20 years 3.000%13.301%$5.55
20 years 3.250%03.441%$5.67
30 years 3.000%23.295%$4.22
30 years 3.125%13.340%$4.28
30 years 3.375%03.512%$4.42
*Interest Rate and Annual Percentage Rate (APR) effective as of July 28, 2020 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 3.125%23.423%$4.28
30 years 3.250%13.467%$4.35
30 years 3.500%03.639%$4.49
*Interest Rate and Annual Percentage Rate (APR) effective as of July 28, 2020 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 $510,400.

 

Jumbo Construction Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
Construction Fixed15 years 3.125%13.481%$6.97
20 years 3.375%13.652%$5.74
30 years 3.500%13.699%$4.49
*Interest Rate and Annual Percentage Rate (APR) effective as of July 28, 2020 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 $510,400.

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 3.250%1.53.584%$5.67
30 years 3.375%1.53.614%$4.42
*Interest Rate and Annual Percentage Rate (APR) effective as of July 28, 2020 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 3.375%13.652%$5.74
30 years 3.500%13.699%$4.49
*Interest Rate and Annual Percentage Rate (APR) effective as of July 28, 2020 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 $510,400.

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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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