Headshot of Tracey Smith
Assistant Vice President, Mortgage Banker
Office: 203.364.2910
Cell: 203.460.4655
TSmith@nsbonline.com 
NMLS# 12594

Tracey B. Smith

Tracey has been originating loans for over 25 years and is committed to making sure her customers experience a smooth mortgage loan process. She joined the Bank in 2016 and serves our Oxford and Bethel Stony Hill offices. Tracey is a six-time recipient of Connecticut Magazine’s Five Star Mortgage Professional Award. She is a member of the Greater Valley Association of Realtors and the Valley Women in Networking Council. Tracey is an active member of her community and volunteers with Habitat for Humanity and the Newtown Arts Festival. Tracey enjoys playing tennis and pickleball and resides in Sandy Hook with her family.

"I look forward to assisting with your home financing needs" - Tracey

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

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Home Equity Line of Credit

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Today's Rates

Effective January 8, 2026

Term Interest Rate APR Points
Monthly Principal &
Interest Payment
30 Year Fixed Rate 5.750% 5.835% 0.000% $1,751.00
15 Year Fixed Rate 5.125% 5.247% 0.000% $2,392.00
30 Year Fixed FHA 5.625% 6.423% 0.000% $1,757.19
Ready to Own 5.750% 5.835% 0.000% $1,751.00
Welcome Home 5.500% 5.587% 0.000% $1,707.34
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...

Great Experience!

Tracey did a wonderful job in navigating us through the complications of a mortgage on a newly-constructed condo. With rates so high, she found offerings that managed to save costs with lower rates for an affordable solution. She kept in constant touch during the construction process through various delays in the building process. Her experience and dedication was a great help and Newtown Savings Bank offered a responsive and understanding hometown banking experience.

5 stars
Gary | Monroe, CT

Above and Beyond

To say our home buying experience was difficult is an understatement, but Tracey was with us every step of the way. We had multiple properties fall through and the rates changed significantly throughout our home buying process. Tracey spent the time to guide us through each twist and turn and explained all our options. After speaking with Tracey we walked away feeling confident in our decision. I’d highly recommend working with Tracey. Whether you’re a first time home buyer or you’ve been through the process before, Tracey will steer you in the right direction and you’ll walk away feeling good about your decision.

5 stars
John | Bethany, CT

Wonderful Homebuying Experience

Answered every question I had about being a new homeowner. Very kind and patient. Would highly recommend. Helped me every step in this insane market to close on time!

5 stars
Chelsea | Woodbury, CT

Awesome Experience!

Tracey was amazing from the beginning till the actual closing. Communications were excellent and she always got back to us immediately with any questions we had. Buying a home is very stressful but Tracey made it so easy. We highly recommend Tracey!

5 stars
Michele | Milford, CT

Very helpful, informative, communicative

Tracey helped provide the necessary information needed to make a choice for my refinancing needs. She was very responsive and took time to explain the answers to the questions I had. It was a great help with her timely responses and follow ups.

5 stars
Christian | Newtown CT
 

Tracey was great!

Tracey was our loan officer for our recent purchase, and she was excellent to deal with throughout the process. We were under a time constraint when we first connected and she worked to quickly get us our pre-qualification. Tracey ensured that we received our clear to close seamlessly and on time. We would work with Tracey again in a heartbeat.

5 stars
Joe | Oxford, CT