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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 4.625%04.669%$5.63
*Interest Rate and Annual Percentage Rate (APR) effective as of January 16, 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%04.069%$10.12
15 years 3.625%24.049%$7.21
15 years 3.875%14.153%$7.33
15 years 4.125%04.257%$7.46
20 years 4.125%24.465%$6.13
20 years 4.375%14.600%$6.26
20 years 4.500%04.608%$6.33
30 years 4.250%24.499%$4.92
30 years 4.500%14.666%$5.07
30 years 4.625%04.705%$5.14
*Interest Rate and Annual Percentage Rate (APR) effective as of January 16, 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 4.375%24.733%$4.99
30 years 4.625%14.900%$5.14
30 years 4.750%04.938%$5.22
*Interest Rate and Annual Percentage Rate (APR) effective as of January 16, 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 4.250%1.04.483%$7.52
20 years 4.625%1.04.810%$6.39
30 years 4.750%1.04.886%$5.22
*Interest Rate and Annual Percentage Rate (APR) effective as of January 16, 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 4.125%1.54.510%$7.46
20 years 4.500%1.54.805%$6.33
30 years 4.625%1.54.848%$5.14
*Interest Rate and Annual Percentage Rate (APR) effective as of January 16, 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 4.250%1.04.483%$7.52
20 years 4.625%1.04.810%$6.39
30 years 4.750%1.04.886%$5.22
*Interest Rate and Annual Percentage Rate (APR) effective as of January 16, 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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