Headshot of Vic Falco
Vice President,
Mortgage Banker
Office: 203.364.2974
VFalco@nsbonline.com
NMLS# 70092

Victor A. Falco III

Vic has over 35 years of residential lending experience in the Mortgage Banking industry. Vic serves Trumbull and Monroe and is based in our Trumbull office. Vic was awarded the Five Star Mortgage Professional Award from Connecticut Magazine from 2016-2024. He is a long time resident of Trumbull, CT.

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

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 

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Home Equity Loan

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Home Equity Line of Credit

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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...

Best Home Loan Experience in 43 years!

Vic elevates the home loan experience to another level that I have never experienced before. Vic has the entrepreneurial spirit and experience that sets him apart from from his competitors.

Instead of throwing up roadblocks, he finds a path forward embodying the service that a local bank should provide. Vic is exceptionally personable and I almost feel like I made a friend in an hour!

5 stars
Isabel | Danbury, CT

Great mortgage experience

From my initial telephone call through to the closing Vic was helpful, knowledgeable, and responsive. He and the team at Newtown Savings Bank made my mortgage experience a pleasure. Vic and the bank worked with me and my builder to extend my rate lock so that my mortgage was at a favorable rate. I am grateful to Vic for following up on all my many questions in a timely manner and making me feel like a valued client. I will be sure to recommend Vic to anyone who may be interested in a real estate loan. Thank you, Vic and the NSB team for seeing my loan application to a closed loan.

5 stars
Michael | Trumbull, CT

Wonderful experience

Victor was great dealing with not an easy client he had patience with me and always responded in a timely manner.

Every question I had was answered and easy to talk to and made sure I understood everything.

5 stars
Karen | Monroe, CT

Positive Experience

Victor was helpful, supportive and thorough throughout every step of my mortgage application. Steps were taken in a timely manner with ongoing communication. He and Newton Savings Bank have been a pleasure to work with.

5 stars
Alexandria | Norwalk, CT

Victor was great!

Victor was extremely helpful through the whole process and was available to answer all of my questions. I would highly recommend him to anyone looking to purchase a home!

5 stars
Matt | Milford, CT