Headshot of Lorena Barreto
Assistant Vice President,
Mortgage Banker
Office: 203.364.2983
Cell: 203.300.7276
LBarreto@nsbonline.com
NMLS# 1744441

Lorena Barreto

Lorena is a lifelong resident of CT and a proud alumna of Western Connecticut State University. Deeply rooted in her community, she actively contributes to various organizations; Housatonic Habitat for Humanity, Northern Fairfield County Association of Realtors, where she lends her expertise to the Fair Housing, Diversity, and Inclusion Committee, the Greater Danbury Chamber of Commerce, as well as the National Association of Hispanic Real Estate Professionals. Lorena's commitment to her clients and community has earned her recognition among her peers.

As a fluent Spanish speaker, Lorena is uniquely equipped to serve diverse clients and bridge language barriers. 

"My passion is to help families of all backgrounds achieve their dreams of homeownership" - Lorena

Get started today.

Select the loan type below.
To apply, you will need to create a mortgage request account and then login.

Purchase or Refinance 

Blue House icon

Home Equity Loan

House icon with tools inside

Home Equity Line of Credit

icon of house with dollar sign

Today's Rates

Effective June 18 2024

Term Interest Rate APR Points
Monthly Principal &
Interest Payment
30 Year Fixed Rate 6.250% 6.309% 0.000% $1,847.15
15 Year Fixed Rate 5.750% 5.865% 0.000% $2,491.23
30 Year Fixed FHA 6.500% 6.597% 0.000% $2,538.56
Ready to Own 6.250% 6.309% 0.000% $1,847.15
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...

Knowledgeable, comforting and extremely helpful

Lorena made the mortgage application process seamless and also makes sure you understand all of your options. She is beyond helpful and looks out for your best interest. I am grateful to have chosen her as my mortgage loan officer and, without any hesitation recommend her services. Lorena, thank you for making it all happen. him on our side.

5 stars
Amanda | Danbury, CT

Very professional and knowledgeable. Lorena made the entire process painless.

Lorena helped us through the entire process, always making sure we were on track to getting our home equity loan. She made sure we had everything in place prior to the closing. The closing went through without a hitch.

5 stars
Manfred | Southbury, CT

Lorena Excelente persona 

Lorena una gran persona exelente trabajo muy eficaz dispuesta a brindar ayuda y respuestas a todo en lo que uno tiene por preguntar y más si es primera vez comprando una casa exelente atención 💯/💯la recomiendo

5 stars
Lourdes | New Milford, CT

YES to the ADDRESS!

Thank you Lorena for ALL your involvement in my purchasing process. You were resourceful, helpful and absolutely wonderful to work with. Hope to work with you again.

5 stars
Cierra | Waterbury, CT

Smooth!!! Multi Family Sale!!

Thank you Lorena! We had such a wonderful experience working with you on this transaction. We closed within our expected time and were amazed at your professionalism. Thank you so much for helping us with this first time buyer program, buying a multi family home to live in and Rent!

5 stars
Johncarlo | Waterbury, CT