Mortgage Refinance Rates


When you’re ready to refinance your home, Naugatuck Savings Bank is here to help you.

Rates as of Thursday, February 2, 2012
Loan Program Points Interest Rate Annual Percentage Rate Payment per $1,000 Payments Apply
Conventional Fixed Rates up to 417,000
1 Family up to 97% LTV, Condo up to 90% LTV and 2-4 Family up to 80% LTV1
Conventional Fixed Rates up to $417,000
30 Year   0.000 3.875% 3.876% $4.70 Show Payments and Rates
30 Year   1.000 3.625% 3.708% $4.56 Show Payments and Rates
30 Year   2.000 3.325% 3.488% $4.39 Show Payments and Rates
20 Year   0.000 3.750% 3.751% $5.93 Show Payments and Rates
20 Year   1.000 3.500% 3.615% $5.80 Show Payments and Rates
20 Year   2.000 3.250% 3.478% $5.67 Show Payments and Rates
15 Year   0.000 3.125% 3.127% $6.97 Show Payments and Rates
15 Year   1.000 2.875% 3.021% $6.85 Show Payments and Rates
15 Year   2.000 2.625% 2.915% $6.73 Show Payments and Rates
Conventional Fixed Rate Jumbo Loans $417,001 and up
30 Year   0.000 4.625% 4.626% $5.14 Show Payments and Rates
30 Year   1.000 4.375% 4.461% $4.99 Show Payments and Rates
30 Year   2.000 4.125% 4.295% $4.85 Show Payments and Rates
20 Year   0.000 4.375% 4.377% $6.26 Show Payments and Rates
20 Year   1.000 4.125% 4.243% $6.13 Show Payments and Rates
20 Year   2.000 3.875% 4.109% $5.99 Show Payments and Rates
15 Year   0.000 3.875% 3.877% $7.33 Show Payments and Rates
15 Year   1.000 3.625% 3.774% $7.21 Show Payments and Rates
15 Year   2.000 3.375% 3.671% $7.09 Show Payments and Rates

Rates as of Thursday, February 2, 2012
Interest Rate Annual Percentage Rate Points Fully Indexed Rate Payment per $1,000 Payments Apply
Adjustable Rates
Margin 2.75 over Treasury Bill
1 Family up to 97% LTV, Condo up to 90% LTV and 2-4 Family up to 80% LTV
1 Year Variable Rates - 30 Years up to $1,000,000.00
1 - 6 Caps
3.625% 7.824% 0.000 9.625% $4.56 Show Payments and Rates
3.375% 7.686% 1.000 9.375% $4.42 Show Payments and Rates
3.000% 7.430% 2.000 9.000% $4.22 Show Payments and Rates
1 Year Variable Rate - 30 Years up to $1,000,000.00
2 - 6 Caps
3.125% 7.995% 0.000 9.125% $4.28 Show Payments and Rates
2.875% 7.856% 1.000 8.875% $4.15 Show Payments and Rates
2.750% 7.836% 2.000 8.750% $4.08 Show Payments and Rates
3/1 ARM - 30 Years up to $1,000,000.00
2 - 6 Caps
3.125% 7.120% 0.000 9.125% $4.28 Show Payments and Rates
2.875% 6.980% 1.000 8.875% $4.15 Show Payments and Rates
2.750% 6.954% 2.000 8.750% $4.08 Show Payments and Rates
5/1 ARM - 30 Years up to $1,000,000.00
2 - 5 Caps
3.250% 6.529% 0.000 9.250% $4.35 Show Payments and Rates
3.000% 6.387% 1.000 9.000% $4.22 Show Payments and Rates
2.875% 6.358% 2.000 8.875% $4.15 Show Payments and Rates
 
Rates and terms described are for owner-occupied properties only and assume 20% down payment. Low down payment programs are also available. Rates are subject to change without notice. Variable and Adjustable rates may increase during the term of the loan.
 
All mortgages with less than 20% down payment may require PMI (Private Mortgage Insurance). The rate and point structure will be the same as mortgages with a 20% down payment.

1Interest rates are subject to credit and property approval based upon secondary market guidelines. Interest rates and APRs may vary depending on loan details, such as points, loan amount, your credit and property occupancy. The rates shown are available to borrowers with a satisfactory credit history. Your rate may vary based upon your credit history and other loan details.