Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

• Rates at time of application are for illustrative purposes only, and are not locked at time of online application completion. Please call for more details!
• 1 - 4 Family Owner Occupied Residential Loans up to $650,000.
• Annual Percentage Rates (APR) are based on $450,000 for jumbo loans with a 20% down payment. Any down payment less than 20% would require a monthly PMI (Private Mortgage Insurance) payment.
• Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
• Subject to credit approval.
• Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
• Other terms and conditions may apply.
• Call for loans over $650,000.

The rate will remain fixed until the first adjustment date and are subject to increase or decrease after consummation. Adjustments based on the 1 year US Treasury weekly constant plus a 2.75% margin. However, at no time will your rate ever be higher than 18.00% regardless of the 1 year US Treasury rate.

• Rates at time of application are for illustrative purposes only, and are not locked at time of online application submission. Please call for more details!
• Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $500,000.
• Annual Percentage Rates (APR) are based on $100,000 for conventional loans with a 20% down payment. Any down payment less than 20% would require a monthly PMI (Private Mortgage Insurance) payment.
• Maximum APR 18%
• Initial Unit Cost represents the monthly payment during the initial fixed term based on a $1,000.00 loan at the initial rate for a 30 year term.
• Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
• At the adjustment which could be in 3 or 5 years depending on product. The maximum increase could be 2% yearly cap with a maximum of 5% lifetime cap over the life of the loan.
• Subject to credit approval.
• Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice. Rates may also be impacted by other factors.
• Other terms and conditions may apply.

• Rates at time of application are for illustrative purposes only, and are not locked at time of online application submission.
• 1-4 Family, Condominiums, Planned Unit Developments
• Illustrated rates are for Owner Occupied Residential Loans up to FHA guidelines.
• Annual Percentage Rates (APR) are based on $100,000 with a 20% down payment. Any down payment less than 20% would require a monthlyMortgage Insurance payment.
• Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
• Subject to credit approval.
• Other terms and conditions may apply.
• Rates subject to change at anytime without notice.

Windsor Federal Savings will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions:

Loans above $125,000 - $550 Attorney Title Search & Appraisal Fee plus Cost of Title, Credit, Flood Certification, Recording and Attorney closing fees.

Effective January 17, 2006: Windsor Federal Savings will pay any State of Connecticut imposed Recording Fees at a cost of $30.00 per document with the following exception; If there are old paid liens or attachments on the property, the borrowers will be responsible for the cost of releasing those liens.

The Interest is Based on the Prime Rate. However, the rate for this product will not drop below 4.000% or go above 18.000% at any time.*

**Current Prime Rate is 3.250% as quoted from the Wall Street Journal however the rate for this product is 4.000%. Based on the floor rate for this product, the current APR based on 4.000% is as follows:

• The *APR is 4.000% on a loan amount of $50,000
• The *APR is 4.201% on a loan amount of $126,000

*Rate, floor or cap of this product is effective as of 12/16/2008 and subject to change without notice. Minimum APR is 4.000%. Maximum APR is 18.00%. At no time will the rate drop below 4.000% or go above 18.000% regardless of the published Prime Rate. Rate is good for up to 80% combined loan to value.

The annual fee of $30 is waived for the first year. 1-4 family owner-occupied primary residence properties only. Not available on homes for sale or for mobile homes. Hazard insurance (including flood insurance, if applicable) required.

Maximum Loan-To-Value 80% of appraised value (appraised value x 80% minus 1st mortgage balance.)

Windsor Federal Savings will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions:

• Loans for $125,000 and over - $500 Attorney & Appraisal Fee plus Cost of Title Insurance and Recording Fees.

Terms are subject to change without notice. Subject to credit approval. Consult your tax advisor regarding the deductibility of interest.

Effective January 17, 2006: Windsor Federal Savings will pay any State of Connecticut imposed Recording Fees at a cost of $30.00 per document with the following exception; If there are old paid liens or attachments on the property, the borrowers will be responsible for the cost of releasing those liens.

• Annual Percentage Rate (APR).
• Maximum APR is 18%.
• Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
• Subject to credit approval.
• Other terms and conditions may apply.
• * Does Not Include Tax or Registration
• Rates subject to change at anytime without notice.

• Annual Percentage Rate (APR).
• Maximum APR is 18%.
• Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
• Subject to credit approval.
• Other terms and conditions may apply.
• Rates subject to change at anytime without notice.