10 Ways to an Easier Mortgage

1 Great rates

We post our rates right where you can find them - literally, they're at the right of this page. While our rates are easy to find, you can also have the rates find you instead. Sign up for Rate Watch and we'll email you when there are rate updates or when rates drop to the goal rate you have set.
2 It's guaranteed

We guarantee to service your home loan for its entire duration, or we'll pay you $500. And we'll service it right here at Newtown Savings Bank.* While other banks may promise you this, we put it in writing.

*The guarantee refers to the servicing of approved loans only and does not imply nor guarantee that a loan will be approved. The guarantee applies to the Guaranteed Mortgages serviced by Newtown Savings Bank. Newtown Savings Bank offers other mortgages that may be serviced by others and those mortgages are not covered by the guarantee.
3 Our whole (local) team, the whole time

Our underwriters, processors, branch managers and mortgage bankers - the whole team you have access to the whole time - are all local. We know and understand the community you live in - because we live here too.
4 Trust

2009 was the top mortgage lending year in our 154-year history, because in times like these, people turn to whom they can really trust. Among hundreds of lenders in the state, we ranked the 18th largest - and are a top-ranked lender in our core communities.
5 A wide range of options

We offer many different kinds of mortgage products - from the traditional to the more innovative - but our team won't try to make a quick buck by putting your house or family at risk.
6 A "no-mess-up" process

You get access to our whole team, the whole time - all our lending professionals throughout the process. When you apply, you'll receive a letter with the name, phone number, email and picture of the team leaders who are handling your mortgage.

Even if you don't have all your thoughts together, start the process and get valuable insight by simply showing up at any one of our 14 local branches. In a lunch break, you'll be on your way to an easier mortgage.

Branch Locations

Newtown	Main Office	39 Main Street	203.426.2563
Newtown	Sand Hill Plaza	228 South Main Street	203.270.7402
Bethel	Dolan Plaza	211 Greenwood Avenue	203.744.3233
Bethel	Stony Hill	66-68 Stony Hill Road	203.778.1110
Brookfield	Federal Road	99 Federal Road	203.775.4164
Danbury	Danbury Executive Towers	30 Main Street	203.205.0080
Monroe	Century Plaza	535 Monroe Turnpike	203.459.9985
Monroe	Clock Tower Square	477 Main Street	203.268.6395
Shelton	Ruby Tuesday Plaza	815 Bridgeport Avenue	203.944.0382
Shelton	White Hills Shopping Center	194 Leavenworth Road	203.944.9655
Southbury	By the Southbury Green	685 Main Street South	203.262.0400
Southbury	Southford	1450 Southford Road	203.262.8175
Trumbull	Trumbull Center	926 White Plains Road	203.445.8103
Woodbury	Main Street South	238 Main Street South	203.263.5629

8 An easy closing

Just ask a local attorney about "easy." If they've ever closed a Newtown Savings Bank mortgage, they'll tell you we're the easiest. Why? Among many things, we do all the document preparation right here, so there are no surprises.
9 Very fast turnaround

It's simple. When you have the local knowledge and experience to expedite your application into a mortgage, things can move quickly.
10 We get it done

We want your repeat business. The only way to get it is to get it right and get it done. We check and double check information, speak in plain terms, and most importantly, listen to you from first conversation to closing.

Rates at a Glance

Rate	APR	Points
30 Year Fixed Rate
3.750% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.750% interest rate, the APR for this loan type is 3.938%. The monthly payment schedule would be: 359 payments of $1,481.97 at an interest rate of 3.750% 1 payment of $1,481.91 at an interest rate of 3.750% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	3.938% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.750% interest rate, the APR for this loan type is 3.938%. The monthly payment schedule would be: 359 payments of $1,481.97 at an interest rate of 3.750% 1 payment of $1,481.91 at an interest rate of 3.750% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	2.000%

3.875% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.875% interest rate, the APR for this loan type is 4.022%. The monthly payment schedule would be: 359 payments of $1,504.76 at an interest rate of 3.875% 1 payment of $1,504.17 at an interest rate of 3.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	4.022% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.875% interest rate, the APR for this loan type is 4.022%. The monthly payment schedule would be: 359 payments of $1,504.76 at an interest rate of 3.875% 1 payment of $1,504.17 at an interest rate of 3.875% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	1.500%

4.000% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 4.000% interest rate, the APR for this loan type is 4.105%. The monthly payment schedule would be: 359 payments of $1,527.73 at an interest rate of 4.000% 1 payment of $1,527.43 at an interest rate of 4.000% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	4.105% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 4.000% interest rate, the APR for this loan type is 4.105%. The monthly payment schedule would be: 359 payments of $1,527.73 at an interest rate of 4.000% 1 payment of $1,527.43 at an interest rate of 4.000% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	1.000%

15 Year Fixed Rate
3.375% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.375% interest rate, the APR for this loan type is 3.671%. The monthly payment schedule would be: 179 payments of $2,268.03 at an interest rate of 3.375% 1 payment of $2,268.33 at an interest rate of 3.375% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	3.671% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.375% interest rate, the APR for this loan type is 3.671%. The monthly payment schedule would be: 179 payments of $2,268.03 at an interest rate of 3.375% 1 payment of $2,268.33 at an interest rate of 3.375% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	1.750%

3.500% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.500% interest rate, the APR for this loan type is 3.648%. The monthly payment schedule would be: 179 payments of $2,287.62 at an interest rate of 3.500% 1 payment of $2,288.42 at an interest rate of 3.500% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	3.648% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.500% interest rate, the APR for this loan type is 3.648%. The monthly payment schedule would be: 179 payments of $2,287.62 at an interest rate of 3.500% 1 payment of $2,288.42 at an interest rate of 3.500% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	0.750%

3.625% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.625% interest rate, the APR for this loan type is 3.737%. The monthly payment schedule would be: 179 payments of $2,307.32 at an interest rate of 3.625% 1 payment of $2,306.88 at an interest rate of 3.625% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	3.737% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 3.625% interest rate, the APR for this loan type is 3.737%. The monthly payment schedule would be: 179 payments of $2,307.32 at an interest rate of 3.625% 1 payment of $2,306.88 at an interest rate of 3.625% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	0.500%

5 Year Adjustable Rate
4.125% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 4.125% initial interest rate, the APR for this loan type is 3.416%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $1,550.88 at an interest rate of 4.125% 299 payments of $1,375.27 at an interest rate of 3.000% 1 payment of $1,375.54 at an interest rate of 3.000% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	3.416% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 4.125% initial interest rate, the APR for this loan type is 3.416%, subject to increase. Based on current market conditions, the monthly payment schedule would be: 60 payments of $1,550.88 at an interest rate of 4.125% 299 payments of $1,375.27 at an interest rate of 3.000% 1 payment of $1,375.54 at an interest rate of 3.000% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	0.000%

First Time Home Buyer 30 Year Fixed
4.375% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 4.375% interest rate, the APR for this loan type is 4.388%. The monthly payment schedule would be: 359 payments of $1,597.71 at an interest rate of 4.375% 1 payment of $1,598.72 at an interest rate of 4.375% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	4.388% Important Loan Information The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740. At a 4.375% interest rate, the APR for this loan type is 4.388%. The monthly payment schedule would be: 359 payments of $1,597.71 at an interest rate of 4.375% 1 payment of $1,598.72 at an interest rate of 4.375% If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.	0.000%

Rate

APR

Points

30 Year Fixed Rate

3.750%

Important Loan Information

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $320,000 and an estimated property value of $400,000. The property is located in Newtown, CT and is within Fairfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 60 days and the assumed credit score is 740.

At a 3.750% interest rate, the APR for this loan type is 3.938%. The monthly payment schedule would be:

359 payments of $1,481.97 at an interest rate of 3.750%
1 payment of $1,481.91 at an interest rate of 3.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

3.938%

Important Loan Information

At a 3.750% interest rate, the APR for this loan type is 3.938%. The monthly payment schedule would be:

359 payments of $1,481.97 at an interest rate of 3.750%
1 payment of $1,481.91 at an interest rate of 3.750%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

2.000%

3.875%

Important Loan Information

At a 3.875% interest rate, the APR for this loan type is 4.022%. The monthly payment schedule would be:

359 payments of $1,504.76 at an interest rate of 3.875%
1 payment of $1,504.17 at an interest rate of 3.875%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

4.022%

Important Loan Information

At a 3.875% interest rate, the APR for this loan type is 4.022%. The monthly payment schedule would be:

359 payments of $1,504.76 at an interest rate of 3.875%
1 payment of $1,504.17 at an interest rate of 3.875%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

1.500%

4.000%

Important Loan Information

At a 4.000% interest rate, the APR for this loan type is 4.105%. The monthly payment schedule would be:

359 payments of $1,527.73 at an interest rate of 4.000%
1 payment of $1,527.43 at an interest rate of 4.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

4.105%

Important Loan Information

At a 4.000% interest rate, the APR for this loan type is 4.105%. The monthly payment schedule would be:

359 payments of $1,527.73 at an interest rate of 4.000%
1 payment of $1,527.43 at an interest rate of 4.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

1.000%

15 Year Fixed Rate

3.375%

Important Loan Information

At a 3.375% interest rate, the APR for this loan type is 3.671%. The monthly payment schedule would be:

179 payments of $2,268.03 at an interest rate of 3.375%
1 payment of $2,268.33 at an interest rate of 3.375%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

3.671%

Important Loan Information

At a 3.375% interest rate, the APR for this loan type is 3.671%. The monthly payment schedule would be:

179 payments of $2,268.03 at an interest rate of 3.375%
1 payment of $2,268.33 at an interest rate of 3.375%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

1.750%

3.500%

Important Loan Information

At a 3.500% interest rate, the APR for this loan type is 3.648%. The monthly payment schedule would be:

179 payments of $2,287.62 at an interest rate of 3.500%
1 payment of $2,288.42 at an interest rate of 3.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

3.648%

Important Loan Information

At a 3.500% interest rate, the APR for this loan type is 3.648%. The monthly payment schedule would be:

179 payments of $2,287.62 at an interest rate of 3.500%
1 payment of $2,288.42 at an interest rate of 3.500%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

0.750%

3.625%

Important Loan Information

At a 3.625% interest rate, the APR for this loan type is 3.737%. The monthly payment schedule would be:

179 payments of $2,307.32 at an interest rate of 3.625%
1 payment of $2,306.88 at an interest rate of 3.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

3.737%

Important Loan Information

At a 3.625% interest rate, the APR for this loan type is 3.737%. The monthly payment schedule would be:

179 payments of $2,307.32 at an interest rate of 3.625%
1 payment of $2,306.88 at an interest rate of 3.625%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

0.500%

5 Year Adjustable Rate

4.125%

Important Loan Information

At a 4.125% initial interest rate, the APR for this loan type is 3.416%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

60 payments of $1,550.88 at an interest rate of 4.125%
299 payments of $1,375.27 at an interest rate of 3.000%
1 payment of $1,375.54 at an interest rate of 3.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

3.416%

Important Loan Information

At a 4.125% initial interest rate, the APR for this loan type is 3.416%, subject to increase. Based on current market conditions, the monthly payment schedule would be:

60 payments of $1,550.88 at an interest rate of 4.125%
299 payments of $1,375.27 at an interest rate of 3.000%
1 payment of $1,375.54 at an interest rate of 3.000%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

0.000%

First Time Home Buyer 30 Year Fixed

4.375%

Important Loan Information

At a 4.375% interest rate, the APR for this loan type is 4.388%. The monthly payment schedule would be:

359 payments of $1,597.71 at an interest rate of 4.375%
1 payment of $1,598.72 at an interest rate of 4.375%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

4.388%

Important Loan Information

At a 4.375% interest rate, the APR for this loan type is 4.388%. The monthly payment schedule would be:

359 payments of $1,597.71 at an interest rate of 4.375%
1 payment of $1,598.72 at an interest rate of 4.375%

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

0.000%

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