Mortgages & Home Financing
Making your home ownership dreams possible.
Everyone has some type of home ownership dream. Shouldn’t your bank be ready to help you bring it to life?
At Jewett City Savings Bank, we’re proud to offer a variety of mortgage programs to meet the needs of virtually any homebuyer or homeowner.
We also offer programs for first-time homebuyers, as well as those who are, or have, served in the United States military.
All our mortgages include
Great
rates
Flexible
terms
Online Banking and Mobile Banking
Paperless
statements
Personal service
from neighbors
Buy
When purchasing a home, you have a choice of a Fixed-Rate Mortgage, which makes budgeting easier with the predictability of fixed monthly payments for the life of your loan, or an Adjustable-Rate Mortgage which often starts with a lower rate and monthly payments, adjusting during the life of the loan based on a pre-determined schedule.
First-Time Home Buyer programs offer more options to homebuyers with lower down payments, expanded flexibility and down payment credit assistance for qualified borrowers.
Down payment assistance programs for properties in Connecticut are available through the Connecticut Housing Finance Authority (CHFA).
Build
Neighbors looking to build the home of their dreams can turn to Jewett City Savings Bank.
With a Construction Loan, you can finance the purchase of the building lot, as well as construction and your final mortgage in a single loan – saving you time, money and headaches.
Not ready to build? No problem. A Land Loan helps you acquire that perfect piece of land now until you are ready to build.
Refinance
Did you know homeowners refinance their homes on average every 7 to 8 years? That’s because a small change in rate can often add up to big savings over the life of a mortgage. Whether you are looking to lower your rate, or shorten your term, we can help with traditional Fixed-Rate or Adjustable-Rate Mortgages.
Have only a few years left on your mortgage? Choose our FastPay and EasyPay Mortgages, as an easy way to refinance for a shorter term and spend less money on interest.
We also offer programs through Fannie Mae and Freddie Mac to support neighbors with innovative solutions to help manage student loan debt, provide mortgage relief or buy their first home.
Renovate
With the FHA 203K program neighbors looking to buy and renovate a home can save with a low down payment and no upfront mortgage insurance.
Veterans and active members of the military looking to buy a fixer-upper may qualify for a VA Renovation Loan, which allows you to finance up to 100% of the loan-to-value of your home, including planned renovations and repairs. Available on single family homes, 1-unit townhomes, manufactured homes and VA-approved condominiums.
Your team for mortgage solutions
We understand you have questions – and we have answers! Our team is ready to help select the program that’s right for you, your goals and your budget. You can use the form below to request an appointment with a member of our team.
Your Life. Your Bank.
Use our information request form, visit any of our offices, or give us a call at 860-376-4444 and find out how Jewett City Savings Bank can help you.
