Headshot of Bill Hart
Vice President,
Mortgage Banker
Office: 203.364.2939
Cell: 860.655.9641
WHart@nsbonline.com
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.

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 May 28, 2024

Term Interest Rate APR Points
Monthly Principal &
Interest Payment
30 Year Fixed Rate 6.625% 6.687% 0.000% $1,920.93
15 Year Fixed Rate 6.125% 6.242% 0.000% $2,551.87
30 Year Fixed FHA 6.500% 6.597% 0.000% $2,538.56
Ready to Own 6.625% 6.687% 0.000% $1,920.93
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.

5 stars
Lauren | Newtown, CT

Bill Hart and Hyrije are the best anywhere!!!

Bill Hart from Newtown Savings Bank helped my husband and I buy our dream home. We cannot express how hard Bill and his team worked in finding us the best rate and the follow through of just making sure everything was working smoothly. Bill and his team specifically Hyrije were exceptional, they made the entire process go so effortlessly for us even considering we are self employed restaurant owners. The process when you are self-employed is very difficult especially during these times, Bill and his team assured us from the very beginning that they would not have a problem securing us a home loan and they absolutely delivered! When they tell you that they will work hard for you that is an absolute understatement, they work non-stop around the clock until they get the job done all the while making it all look so effortless. We could not recommend them enough, we tell everyone about Bill & Hyrije- they truly are the hardest workers and the best people, and we cannot Thank them enough for making our dreams come true.

5 stars
Candice | New Fairfield, CT

First home purchase

Bill Hart and his team were absolutely fantastic and they are the dream team! Everything was painless, efficient and professional.

My girlfriend and I would have weekly sometimes daily check-ins with his assistant and she was so patient and kind with answering all of our questions and walking us through every step of the way.

He helped us get the best rate he could get and helped us close in 30 days! We can tell we weren’t just another purchase to them but that they actually care for their clients. Thank you all for your hard and dedicated work. We love our place and couldn’t have done it without you!

5 stars
Andi | Stamford, CT

Bill Hart & team are superstars highly recommend

Bill and his team are so wonderful to work with. They made the process of getting our mortgage stress-free. They were always able to take our calls, answer our questions and make sure the loan was progressing. They really took time with you and made you feel like part of the family. Thanks all.

5 stars
Victoria | Westport, CT

Very knowledgeable & friendly too

Bill is a highly intelligent professional who is very experienced in his field. He has a wealth of knowledge and will take the time to explain it all in terms you will understand. You will receive smart answers to any question you ask and that is what you need when dealing with your money.

5 stars
Jo-Ann | Newtown, CT