Vice President,
NMLS# 452754
William Robert Hart Jr.
Bill Hart has been a mortgage professional with Newtown Savings Bank since 1995 and has consistently been a top producing and award winning mortgage banker. He has been recognized as a Five Star Mortgage Professional from Connecticut Magazine and has been named a Top Residential Loan Originator by the Commercial Record.
"Whether you are buying your first home, building your dream home, refinancing, upsizing or downsizing; I'm here to help you" - Bill
Get started today.
Select the loan type below.
To apply, you will need to create a mortgage request account and then login.
Today's Rates
Effective April 26, 2024
| Term | Interest Rate | APR | Points |
Monthly Principal &
Interest Payment
|
|---|---|---|---|---|
| 30 Year Fixed Rate | 7.000% | 7.065% | 0.000% | $1,995.91 |
| 15 Year Fixed Rate | 6.500% | 6.618% | 0.000% | $2,613.32 |
| 30 Year Fixed FHA | 6.625% | 6.723% | 0.000% | $2,563.72 |
| Ready to Own | 7.000% | 7.065% | 0.000% | $1,995.91 |
| Welcome Home | 5.750% | 5.782% | 0.000% | $1,750.72 |
Assumptions and general disclosures
- Rates shown above require a Newtown Savings Bank checking account with auto deduction payment (excluding FHA).
- The information provided assumes the purpose of the loan is to purchase a property.
- The property is an existing single family home and will be used as a primary residence.
- The rate lock period is 60 days.
- The credit score is 780 or above.
- The loan amount is $300,000 with an estimated property value of $400,000.
- The Interest Rate and Annual Percentage Rate (APR) shown above are subject to change without notice.
- The Annual Percentage Rate (APR) will vary based on your final loan amount and actual finance charges.
- Payment does not include real estate taxes, homeowner's insurance premiums or mortgage insurance premiums. If applicable, the actual payment obligation will be greater.
- Loans are subject to credit and property approval.
- Other rates and terms available.
FHA
- Total loan amount is $305,250. The base loan amount is $300,000
- The total loan amount includes the Upfront Mortgage Insurance Premium of 1.75% of the base loan amount.
- Annual Mortgage Insurance Premiums will be required for 11 years and charged monthly. If the down payment is less than 10% mortgage insurance is required for the life of the loan. The amount is not included in the monthly payment example shown above.
Ready to Own
- This program is specifically tailored to meet the needs of first-time home buyers or those who have not owned a home for a period of three years.
- Learn more about First-Time Homebuyer mortgages
Welcome Home
- This program is designed to meet the needs of homebuyers in low to moderate income areas. Contact a Mortgage Banker to see if you qualify.
Loans are subject to application and credit approval. Rates and terms subject to change without notice.
Here's what our customers are saying...
Absolutely amazing - contact Bill
My husband and I are so grateful we contacted Bill. We are first time home buyers and Bill spent a ton of time with us, answering any and all of our questions throughout the process. He was extremely available to us throughout the process, really listened to us and our concerns. Other lenders we spoke to refused to really talk to us about the process and generic things until we gave them all our information and started a process we were 100% not ready for. Bill is the only person we spoke to who listened to all our questions, asked us generic questions about our income and made us feel confident to take the next step. He was the first person who really listened to us in this process. As first time homebuyers, this was so necessary for us as we undertook this huge purchase and we could not have done it without all the help and guidance Bill gave us.
Lauren | Newtown, CT
Candice | New Fairfield, CT
Andi | Stamford, CT
Victoria | Westport, CT
Jo-Ann | Newtown, CT