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Fixed Rate

Refinance Mortgages
ProgramTermInterest RatePointsAPR*Monthly Payments per $1000 borrowed
FastPay Refinance8 years 3.490%03.607%$11.95
FastPay Refinance12 years 3.990%04.071%$8.75
EasyPay Refinance25 years 4.000%04.043%$5.28
*Interest Rate and Annual Percentage Rate (APR) on FastPay Refinance Mortgages effective as of October 15, 2018 and subject to change. Interest Rate and Annual Percentage Rate (APR) on Easy Pay Refinance Mortgage 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 Mortgages15 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%14.364%$7.40
20 years 4.250%14.537%$6.19
30 years 4.375%14.584%$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%06.995%$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 3.875%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%14.364%$7.40
20 years 4.250%14.537%$6.19
30 years 4.375%14.584%$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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