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| Fixed Rate Mortgages Purchase Only (Scroll down for Refinance Rates) |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511. |
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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!
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Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $417,000. Please call for loans up to the new temporary high loan limit of $440,000.
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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.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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| Fixed Rate Mortgages Refinance |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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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!
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Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $417,000. Please call for loans up to the new temporary high loan limit of $440,000.
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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.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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Jumbo Loan Rates Purchase Only (Scroll down for Refinance Rates) |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511. |
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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!
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1 - 4 Family Owner Occupied Residential Loans up to $650,000.
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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.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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Call for loans over $650,000.
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| Jumbo Preferred Rates |
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| Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511. |
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SPECIAL PREFERRED RATE PROGRAM!!
PURCHASE ONLY!!
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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!
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1 - 4 Family Owner Occupied Primary Residential Loans only up to $650,000.
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30% Downpayment Required.
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New customers of Windsor Federal Savings only.
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Hartord, Litchfield and Tolland Counties only.
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Annual Percentage Rates (APR) are based on $450,000 for jumbo loans with a 30% down payment.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Rates apply to the purchase of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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Call for loans over $650,000.
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| Jumbo Loan Rates Refinance |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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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!
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1 - 4 Family Owner Occupied Residential Loans up to $650,000.
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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.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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Call for loans over $650,000.
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Adjustable Rate Mortgages (ARM) Purchase Only (Scroll down for Refinance Rates) |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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The contract rates 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 lower than 4.00% or higher than 18.00% regardless of the 1 year US Treasury rate.
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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!
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Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $417,000. Please call for loans up to the new temporary high loan limit of $440,000.
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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.
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Minumum APR 4%; Maximum APR 18%
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Initial Unit Cost represents the monthly payment during the initial fixed term based on a $1,000.00 loan at the discounted rate for a 30 year term.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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At the adjustment which could be in 1, 3, 5, 7 or 10 years depending on product. The maximum increase could be 2% yearly cap with a maximum of 5% lifetime cap (6% lifetime cap for 1 year) over the life of the loan.
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Subject to credit approval.
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Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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Adjustable Rate Mortgages (ARM) Refinance |
| Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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The contract rates 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 lower than 4.00% or higher than 18.00% regardless of the 1 year US Treasury rate.
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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!
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Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $417,000. Please call for loans up to the new temporary high loan limit of $440,000.
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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.
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Minumum APR 4%; Maximum APR 18%
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Initial Unit Cost represents the monthly payment during the initial fixed term based on a $1,000.00 loan at the discounted rate for a 30 year term.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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At the adjustment which could be in 1, 3, 5, 7 or 10 years depending on product. The maximum increase could be 2% yearly cap with a maximum of 5% lifetime cap (6% lifetime cap for 1 year) over the life of the loan.
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Subject to credit approval.
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Rates apply to the purchase or non cash out refinancing of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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First Time Homebuyer Program Rates |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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The contract rates 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 lower than 4.00% or higher than 18.00% regardless of the 1 year US Treasury rate.
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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!
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1 - 4 Family Owner Occupied First Time Homebuyer Residential Loans up to $292,455.
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Maximum Sales Price: $301,500.
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Income limit of $81,000 for a household of 2 or less; $93,150 for 3 or more.
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Must be a First-Time Homebuyer.
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As little as 3% percent down-payment. (Private Mortgage Insurance is required for down-payments less than 20%).
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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.
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Minimum Credit Score: 620.
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Minumum APR 4%; Maximum APR 18%
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Initial Unit Cost represents the monthly payment during the initial fixed term based on a $1,000.00 loan at the discounted rate for a 30 year term.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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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.
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Subject to credit approval.
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Other terms and conditions may apply.
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Rates subject to change at anytime without notice.
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Lending Area: Hartford, Tolland and Litchfield counties only.
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30 Year Fixed 97% LTV Purchase Only |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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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!
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Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $417,000. Please call for loans up to the new temporary high loan limit of $440,000.
-
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.
-
Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Rates apply to the purchase or non-cash out refinancing of owner occupied properties only and are subject to change without notice.
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Other terms and conditions may apply.
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CHFA and FHA Rates Purchase Only |
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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CHFA Fixed Rate Mortgage Disclosures |
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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!
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1 - 4 Family, Condominiums, Planned Unit Developments, Mobile Homes that meet FHA requirements.
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Owner Occupied Residential Loans up to $292,455.
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Average income limit of $81,000 for a household of 2 or less; $93,150 for 3 or more.
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As little as 3% percent down-payment (Mortgage Insurance is required for down-payments less than 20%).
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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.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Down-payment Assistance Program available with less than $5,000 total household assets.
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First-Time Homebuyer or have not owned a principal residence for the past 3 years.
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Subject to credit approval.
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Other terms and conditions may apply.
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Rates subject to change at anytime without notice.
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Lending Area: Connecticut
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| FHA Fixed Rate Mortgage |
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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!
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1 - 4 Family, Condominiums, Planned Unit Developments, Mobile Homes that meet FHA requirements.
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Illustrated rates are for Owner Occupied Residential Loans up to $417,000. Please call for rates on loans between $417,000 and the new temporary FHA high limit of $440,000.
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As little as 3% percent down-payment (Mortgage Insurance is required for down-payments less than 20%).
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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.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Other terms and conditions may apply.
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Rates subject to change at anytime without notice.
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Rates are for illustrative purposes only! For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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| FHA Fixed Rate Mortgage |
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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!
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1 - 4 Family, Condominiums, Planned Unit Developments, Mobile Homes that meet FHA requirements.
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Illustrated rates are for Owner Occupied Residential Loans up to $417,000. Please call for rates on loans between $417,000 and the new temporary FHA high limit of $440,000.
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As little as 3% percent down-payment (Mortgage Insurance is required for down-payments less than 20%).
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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.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Other terms and conditions may apply.
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Rates subject to change at anytime without notice.
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Home Equity Fixed Rate Loans |
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For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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Windsor Federal Savings will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions: |
Loans under $25,000 - $150 Application Fee.
Loans above $125,000 - $500 Attorney & Appraisal Fee plus Cost of Title Insurance Fee. |
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Maximum Loan-To-Value 80% of appraised value (appraised value x 80% minus 1st mortgage balance.)
Subject to credit approval.
Rates subject to change at anytime without notice.
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. |
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Home Equity Lines of Credit Rates |
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For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
Rates as of Monday, February 8, 2010
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20 Years (10 year draw period)
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4.000%
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$6.06
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Show Payments
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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 4.344% on a loan amount of $24,000.
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 under $25,000 - $150 Application Fee.
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. |
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| Automobile Loans |
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For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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- 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.
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| Personal Loan Rates |
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For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.
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Annual Percentage Rate (APR).
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Maximum APR is 18%.
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Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
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Subject to credit approval.
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Other terms and conditions may apply.
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Rates subject to change at anytime without notice.
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