Natalie Espinal
As an experienced Mortgage Loan Officer, Natalie has a passion for educating her clients and guiding them through the mortgage process. Natalie is based out of our Bridgeport Office on 112 Boston Avenue, and can help clients all throughout Connecticut. She is a member of the Greater Bridgeport Board of Realtors and serves on the event committee for National Association of Hispanic Realtors (NAHREP - Fairfield County). Natalie is a Connecticut native, she grew up in Bethel and currently resides in Stamford with her husband where they enjoy spending time with family. Natalie is a University of Bridgeport Alumni and is passionate about giving back to the local community. Natalie is bilingual - Spanish speaking.
"I look forward to assisting with your home financing needs" – Natalie
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 17, 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 | 5.990% | 6.082% | 0.000% | $1,796.72 |
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...
Above and beyond to help us secure our perfect home!
From the first days of applying for our loan with NSB to the final days of closing, Natalie was nothing short of spectacular to work with. Our closing was rapid, and given the competitive market, there wasn't any room to make mistakes and work slowly. Natalie on many occasions went above and beyond, answering calls on weekends and late evenings, as well as even managing to get us our updated pre-approval letter late on a Saturday night (without that, we would've lost the bid on our new home!). All along the way, she was kind and considerate, and was genuinely happy to be helping my wife and I with our purchase. She also shared her own experience and guidance with us, which was super helpful as first time buyers.
It's no exaggeration to say that we wouldn't have managed to be in our new lovely home without Natalie working with us. If you're lucky enough to get Natalie as your loan officer, you will not be disappointed! Thank you again Natalie!
Matt | Marlborough, CT