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Whether you are purchasing a new home or your first home or simply refinancing. Windsor Federal's lending solutions has competitive mortgage and refinance options to get you from an open house to a closing and to even leverage your mortgage budget.

Start with contacting Windsor Federal's mortgage originator Triston Crosdale at 860.280.4967 today!

 


Rates as of Tuesday, November 19, 2019

Fixed Rate Mortgages

Product Points Interest Rate APR Payment per $1,000
30 Year Fixed - Purchase/Refinance 0.000 3.750% 3.878% $4.63
20 Year Fixed - Purchase/Refinance 0.000 3.625% 3.801% $5.86
15 year Fixed - Purchase/Refinance 0.000 3.250% 3.470% $7.03
12 Year Fixed - Purchase/Refinance 0.000 3.000% 3.265% $8.28
10 Year Fixed - Purchase/Refinance 0.000 3.000% 3.314% $9.66
  • Rates are for illustrative purposes only and are not locked at time of submission.
  • Illustrated Rates are for Single Family Owner Occupied residential mortgage loans up to $484,351 with 740 credit score.
  • Annual Percentage Rates (APR) are based on $100,000 for conventional mortgage loans with a 20% down payment. Any down payment less than 20% require a monthly PMI (Private Mortgage Insurance) payment.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • Illustrated Rates are for the purchase of owner occupied properties only.
  • Subject to credit approval. Rates may also be impacted by other factors. Other terms and conditions may apply. Rates are subject to change without notice.
  • Point options available upon request.

Jumbo Loan Rates

Are you looking to purchase a home with a purchase amount that is greater than $484,351 dollars? This might be the right option for you. Rates are subject to change without notice.

Product Points Interest Rate APR Payment per $1,000
Jumbo 30 Fixed 0.000 3.875% 4.005% $4.70
Jumbo 15 Fixed 0.000 3.375% 3.598% $7.09
  • Rates are for illustrative purposes only and are not locked at time of online submission. Please call 860-688-8511 for more details.
  • 1 - 2 Family Owner Occupied residential mortgage loans up to $750,000.
  • Annual Percentage Rates (APR) are based on Single Family Owner Occupied Homes at  $484,351.01 loan amount with a 20% down payment and 740 credit score.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • Rates are for to the purchase of owner occupied properties only and are subject to change without notice.
  • Subject to credit approval. Rates may also be impacted by other factors. Other terms and conditions may apply. Rates are subject to change without notice.
  • Please call 860-688-8511 for loan amounts over $750,000.

Adjustable Rate Mortgages

An adjustable rate mortgage or ARM, is a home loan that starts with a low fixed-interest rate for 3, 5, 7 or 10 years, followed by periodic rate adjustments. The Adjustable Rate Mortgage might be the right option for you. Rates are subject to change without notice.

Product Points Interest Rate APR Payment per $1,000
3 Year / 1 Year Adjustable Rate* 0.000 3.250% 4.741% $4.35
5 Year / 1 Year Adjustable Rate** 0.000 3.250% 4.509% $4.35

The interest rate will remain fixed until the first adjustment date and is subject to increase or decrease after consummation. Adjustments are based on the 1 year US Treasury weekly constant plus a 2.75% margin. However, at no time will the Annual Percentage Rate (APR) ever be higher than 18.00% regardless of the 1 year US Treasury rate.

Rates at time of application are for illustrative purposes only, and are not locked at time of online submission. Please call for more details!

  • Illustrated rates are for 1 - 4 Family Owner Occupied Residential Loans up to $500,000.
  • Annual Percentage Rates (APR) are based on $100,000 for conventional loans with a 20% down payment.

  • Any down payment less than 20% would require a monthly PMI (Private Mortgage Insurance) payment.

  • Maximum APR 18%.
  • Initial Unit Cost represents the monthly payment during the initial fixed term based on a $1,000.00 loan at the initial rate for a 30 year term.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • At the adjustment which could be in 3 or 5 years depending on product. The maximum increase could be 2% yearly cap with a maximum of 5% lifetime cap over the life of the loan.
  • Subject to credit approval. Rates may also be impacted by other factors. Other terms and conditions may apply. Rates are subject to change without notice.

CHFA

Find out if this is the right option for you!

Product Points Interest Rate APR Payment per $1,000
CHFA 30 Year Fixed 1.000 3.000% 4.154% $4.99

FHA Purchase & Refinance

For up-to-the minute rates, please call our Loan Servicing Department at 860-688-8511.

Product Points Interest Rate APR Payment per $1,000
FHA 30 Year Fixed 0.000 4.500% 5.597% $5.86
  • Rates at time of application are for illustrative purposes only, and are not locked at time of online application submission.
  • 1-4 Family, Condominiums, Planned Unit Developments
  • Illustrated rates are for Owner Occupied Residential Loans up to FHA guidelines.
  • The illustrated Annual Percentage Rates (APR) are based on a loan amount of $100,000, a loan to value (LTV) of 96.50%, and an upfront and monthly Mortgage Insurance Premium.
  • Payment per $1,000.00 represents the monthly payment based on a $1,000.00 loan at the rate and term indicated.
  • Subject to credit approval. Rates may also be impacted by other factors. Other terms and conditions may apply. Rates are subject to change without notice.

Tap into your home's equity.

Are you looking to make renovations and repairs to your existing home to improve the quality of your home?


Stop by any local branch today or call us and Windsor Federal will put you in touch with the right person to get you started! 

Home Equity Fixed

Product Points Interest Rate APR Payment per $1,000
3 Years (36 Month) 0.000 2.990% 2.990% $29.08
5 Years (60 Months) 0.000 3.490% 3.490% $18.19
7 Years (84 Months) 0.000 3.990% 3.990% $13.66
10 Years (120 Months) 0.000 4.250% 4.250% $10.24
15 Years (180 Months) 0.000 4.750% 4.750% $7.78

Windsor Federal Savings will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions:

Loans above $200,000 - Appraisal Fee collected at application and Title Search Fee , Lender's Title Insurance, and Recording Fees charged at closing. 
 

  • Maximum Combined Loan-To-Value 80% of subject property's appraised value.
  • Subject to credit approval.
  • Rates subject to change at anytime without notice.
  • Consult your tax advisor regarding the duductibility of interest.

Home Equity Line of Credit (HELOC)

Product Interest Rate Payment per $1,000
25 Years (10 Year Draw Period) 4.750% $3.90

*The Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal's (WSJ's) Prime Rate minus .50% for 12 billing cycles and at Prime thereafter.

Financing of 1-4 Family Primary Residences or Condominimums. Windsor Federal will pay the Appraisal Fee, Credit Report Fee, Title Search Fee and Recording Fee with the following exceptions:

Loan Amounts above $200,000 - Appraisal Fee collected at application and Title Search, Lender's Title Insurance, and Recording Fees charged at closing.
 

  • Maximum Combined Loan-To-Value 80% of subject property's appraised value.
  • Minimum Credit Advance Amount of $500. Annual fee of $30 is waived for the first year.
  • Total Term is 25 years; 10-year draw period & 15-year repayment period.
  • Hazard Insurance (flood insurance, if applicable) is required.
  • Subject to credit approval.  Other terms and conditions may apply. Rates are subject to change without notice.

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*Annual Percentage Rate (APR) is a variable rate based on the Wall Street Journal's Prime Rate.  As of 10/31/2019, Prime Rate is 4.750%.  The maximum APR that will apply is 18%.