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Purchase

Build equity. Create memories. Invest in your future.

Meet Your Hometown Lenders Get Pre-Qualified for a purchase mortgageApply Now for a Home Purchase for a fixed or adjustable rate purchase mortgageBorrower Portal to access your application

Unlock the door to homeownership.

Primary Residence

Relocate. Move up. Downsize. We’ve got you covered.

  • As little as 5% down payment for qualified borrowers
  • Single-family, 2-4 family, and condominium properties
  • Fixed and Adjustable rates available

1st Time Homebuyer

  • As little as 3% down payment for qualified borrowers
  • 1st Time Homebuyer discount to rate
  • Primary residence only
  • 1-4 family, and condominium properties
  • Fixed and Adjustable rates available

Second Home

  • As little as 10% down payment for qualified borrowers
  • Single-family and condominium properties
  • Fixed and Adjustable rates available

Investment Property

  • 20% minimum down payment for qualified borrowers and property
  • 1-4 family, and condominium properties
  • Multiple properties may be financed
  • Ask about our investment loan rates

Meet Your Local Mortgage Lenders

At Windsor Federal Bank, we live, work, play, and serve in our local communities.

We understand it is more than a house – it’s your home. That’s why our mortgage lenders offer a highly personalized mortgage loan experience. Our dedicated experts have helped thousands of families and individuals realize their dreams of homeownership and real estate investment goals. 

Talk to a hometown lender today!

Home Purchase – Fixed Rates

Home Purchase Mortgages – Fixed Rates

As of 4/19/2024

Home Purchase Mortgages – Fixed-Rate
ProductInterest RateAPR (Annual Percentage Rate)* Payment per $1,000**Example Payment**
Product30 Year Fixed Rate LoanInterest Rate6.500%APR (Annual Percentage Rate)* 6.631%Payment per $1,000**$6.32Example Payment**A loan amount of $250,000 will have 360 fixed principal and interest monthly payments of $1,580.17
Product20 Year Fixed Rate LoanInterest Rate6.375%APR (Annual Percentage Rate)* 6.545%Payment per $1,000**$7.38Example Payment**A loan amount of $250,000 will have 240 fixed principal and interest monthly payments of $1,845.58
Product15 Year Fixed Rate LoanInterest Rate6.125%APR (Annual Percentage Rate)* 6.334%Payment per $1,000**$8.51Example Payment**A loan amount of $250,000 will have 180 fixed principal and interest monthly payments of $2,126.56
Product12 Year Fixed Rate LoanInterest Rate6.000%APR (Annual Percentage Rate)* 6.249%Payment per $1,000**$9.76Example Payment**A loan amount of $250,000 will have 144 fixed principal and interest monthly payments of $2,439.63
Product10 Year Fixed Rate LoanInterest Rate6.000%APR (Annual Percentage Rate)* 6.292%Payment per $1,000**$11.10Example Payment**A loan amount of $250,000 will have 120 fixed principal and interest monthly payments of $2,775.51

The following applies to mortgage products listed above:

*APR is based on a set of assumptions, which include the following:

  1. A loan amount of $250,000
  2. A down payment of 20%
  3. A loan processing fee of $850
  4. A 0-point option
  5. A 1-4 family residential dwelling
  6. A property intended to be utilized as a primary place of residence or second home
  7. A property located in the state of CT

**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater. 

Please contact our mortgage experts about our:

  1. First-time Homebuyer rates
  2. Jumbo rates for loan amounts greater than $766,550
  3. 1-4 family residential investment properties
  4. Point options

Actual rate may vary based on property type, occupancy, term, and geography.

The interest rate of the product for which you apply will not increase after consummation.

Combined Loan to Value (CLTV) up to 97% are available for certain mortgage products, property types, and loan amounts.

Hazard Insurance (flood insurance, if applicable) is required.

This is not a commitment to lending; all loans are subject to credit approval and other criteria.

Rates are subject to change without notice.

Home Purchase – Adjustable Rates

Home Purchase Mortgages – Adjustable Rates

As of 4/19/2024

Terms and rates for Home Purchase Mortgage – Adjustable Rate
ProductInterest RateAPR (Annual Percentage Rate)*TermPayment per $1,000**
Product3-Year/6-Month Adjustable RateInterest Rate5.875%APR (Annual Percentage Rate)*7.808%Term360 monthsPayment per $1,000**$5.92

**Payment Example (3-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 5.875% and an APR of 7.808% APR have a monthly payment of $1,478.84 for years 1-3. For years 4-30, payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

As of 4/19/2024

Terms and rates for Home Purchase Mortgage – Adjustable Rate
ProductInterest RateAPR (Annual Percentage Rate)*TermPayment per $1,000**
Product5-Year/6-Month Adjustable RateInterest Rate6.125%APR (Annual Percentage Rate)*7.570 %Term360 monthsPayment per $1,000**$6.08

**Payment Example (5-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.125% and an APR of 7.570% will have a monthly payment of $1,519.03 for years 1-5. For years 6-30, payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

As of 4/19/2024

Terms and rates for Home Purchase Mortgage – Adjustable Rate
ProductInterest RateAPR (Annual Percentage Rate)*TermPayment per $1,000**
Product7-Year/6-Month Adjustable RateInterest Rate6.250%APR (Annual Percentage Rate)*7.376%Term360 monthsPayment per $1,000**$6.16

**Payment Example (7-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.250% and an APR of 7.376% will have a monthly payment of $1,616.26 for years 1-7. For years 8-30, payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

As of 4/19/2024

Terms and rates for Home Purchase Mortgage – Adjustable Rate
ProductInterest RateAPR (Annual Percentage Rate)*TermPayment per $1,000**
Product10-Year/6-Month Adjustable RateInterest Rate6.500%APR (Annual Percentage Rate)*7.246%Term360 monthsPayment per $1,000**$6.32

**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 6.500% and an APR of 7.246% will have a monthly payment of $1,580.17  for years 1-10. For years 11-30, payments may change once every 6 months based on any increase or decrease in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

The following applies to the 3-year, 5-year, 7-year, and 10-year adjustable-rate mortgage products listed above:

*APR is based on a set of assumptions, which include the following:

  1. A loan amount of $250,000
  2. A down payment of 20%
  3. A loan processing fee of $850
  4. A 0-point option
  5. A rate floor of 3.000%
  6. A margin of 3.000% and lifetime rate cap of 5.000%
  7. A 1-4 family Residential Dwelling
  8. A property intended to be utilized as a primary place of residence or second home
  9. A property located in the State of CT

Please contact one of our mortgage experts about our:

  1. First-Time Homebuyer rates
  2. Jumbo rates for loan amounts greater than $766,550
  3. 1-4 Family Residential Investment Property rates
  4. Point options

Actual rate may vary based on property type, occupancy, term, and geography. 

Rates advertised are a variable rate and will change every 6 months after the initial fixed period: 10 years for 10-Year/6-Month Adjustable-Rate; 7 years for 7-Year/6-Month Adjustable-Rate; 5 years for a 5-Year/6-Month Adjustable-Rate, and 3 years for a 3-Year/6-Month Adjustable-Rate. Interest rate is subject to change every 6 months thereafter. The interest rate will be determined by adding the index to the margin. 

Combined Loan to Value (CLTV) up to 95% are available for certain mortgage products, property types and loan amounts.

Hazard Insurance (flood insurance, if applicable) is required.

This is not a commitment to lending; all loans are subject to credit approval and other criteria.

Rates are subject to change without notice.

For your convenience

Calculate your estimated mortgage payment. See how your new housing payment would fit into your budget. All right here.

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