Find a loan at a great rate with our flexible financing options, open communication, & personalized service. For loan amounts greater than $647,200 please contact a Mortgage Loan Officer or Branch Manager for interest rates.

Lending Rates

Rates as of Monday 09/26/2022 2:35 AM EST

Conventional fixed rate mortgages View Assumptions & Disclosure >
loan term
Points
rate
annual percentage
rate1
Payment Per
$10,000 2
Apply Now
30 Year
  • 2.00%
  • 1.00%
  • 0.00%
  • -
  • -
  • 3.000%
  • Contact Loan Officer
  • Contact Loan Officer
  • 3.133%
  • -
  • -
  • $42.16
APPLY NOW
20 Year
  • 2.00%
  • 1.00%
  • 0.00%
  • -
  • -
  • 2.875%
  • Contact Loan Officer
  • Contact Loan Officer
  • 3.062%
  • -
  • -
  • $54.84
APPLY NOW
15 Year
  • 2.00%
  • 1.00%
  • 0.00%
  • -
  • -
  • 2.500%
  • Contact Loan Officer
  • Contact Loan Officer
  • 2.740%
  • -
  • -
  • $66.68
APPLY NOW
10 Year
  • 2.00%
  • 1.00%
  • 0.00%
  • -
  • -
  • 2.375%
  • Contact Loan Officer
  • Contact Loan Officer
  • 2.724%
  • -
  • -
  • $93.70
APPLY NOW

1. Annual Percentage Rate (APR) is based on a $100,000.00 loan. The rate quoted above for the standard Fixed Rate and First Time Homebuyer (FTHB) products are published with a Guilford Savings Bank Access, Preferred Access or Prime Access checking account and having the monthly mortgage payment auto deducted from the account for the life of the loan. If you chose to not have a Guilford Savings Bank Access, Preferred Access or Prime Access checking account and having the monthly mortgage payment auto deducted from the account for the life of the loan the rate is 0.125% higher.

2. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Monthly payments: 30 year, 360 monthly payments; 20 year, 240 monthly payments; 15 year, 180 monthly payments; 10 year, 120 monthly payments.

Conventional Fixed Rate Mortgages (FRM) – Assumptions & Disclosure

Pricing for loan amounts up to a maximum of $647,200 Max LTV (loan-to-value) 95%. Annual Percentage Rate (APR) is based on a $100,000.00 loan. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Max LTV is based on the lesser of the sale price (if purchase) or appraised value. Homes for sale ineligible. If property held in trust, trust review fee of $300 and attorney closing fees (Estimated $675) will apply. First Time Homebuyer programs available at modified terms. Private mortgage insurance is required on all mortgages that exceed 80% LTV. 10 Year option, Investment Properties, Seasonal Financing, and First Time Homebuyer program not charged for Loan Level Price Adjustments (LLPAs). Investment Properties: (1-4 family): Max Term 30 years, Max LTV 75% (Lead test may be required for all non-owner occupied units built prior to 1978). 10-year term is 50 basis points higher than the 10-year rate listed. 15, 20 or 30 yr term is 50 basis points higher than the 15, 20, or 30-year rates with an additional 1/2 point. Seasonal Financing: 50 basis points higher than 20, 15 or 10 yr rates; Max Term 30 years; Max LTV 75%.- Owner-Occupied Purchase Upon Completion, Second Home, and Construction to Permanent are subject to LLPAs. 120-day rate lock available for Purchase Upon Completion. Second Home must have functional heating/utilities on a year-round basis. Construction to Permanent: +.25 basis points to rate and LLPA, Max LTV 80%. Contact a Loan Officer for more details.

Biweekly rates available upon request.

adjustable rate mortgages 3, 4 View Assumptions & Disclosure >
loan term
Points
rate
annual percentage
rate1
Payment Per
$10,000 2
Apply Now
5/6 ARM
2.00% - Contact Loan Officer - APPLY NOW
5/6 ARM
1.00% - Contact Loan Officer - APPLY NOW
5/6 ARM
0.00% 2.750% 2.881% 60 @ $40.82 and 300 @ $40.82 APPLY NOW
7/6 ARM
2.00% - Contact Loan Officer - APPLY NOW
7/6 ARM
1.00% - Contact Loan Officer - APPLY NOW
7/6 ARM
0.00% 2.875% 2.938% 84 @ $41.49 and 276 @ $40.96 APPLY NOW

1. Annual Percentage Rate (APR) is based on a $100,000.00 loan.

2. Payment per $10,000 does not include taxes and insurance. Your payment will be greater. Monthly payments: 30 year, 360 monthly payments; 20 year, 240 monthly payments; 15 year, 180 monthly payments; 10 year, 120 monthly payments.

3. The margin listed for all adjustable rate mortgages above is 2.75% and the fully indexed rate is 2.750%.

4. When the initial fixed interest rate term expires, the interest rate will change to an adjustable interest rate on the change date. The adjustable interest rate may change on the change date and every 6th month thereafter. The rate will be calculated based on an index, which is the 30-day average SOFR rate, as made available by the Federal Reserve Board. The most recent index figure available as of the date 45 days before each change date will be used. This will be called the current index. Before each change date, the new interest rate will be calculated by adding the margin to the current index, resulting in the fully indexed rate. The fully indexed rate is rounded to the nearest one-eighth of one percentage point. This is not a commitment to lend. Rates are subject to change without notice. Our lending area consists of the State of Connecticut, however, some of our products are only available in New Haven, Middlesex and New London Counties. For more information, contact a loan officer. GSB NMLS #517294.

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