Fixed Rate Mortgages

The Annual Percentage Rate is effective as of today's date and is Subject to Change Without Notice. Pricing add-ons may apply. For more information please contact a loan representative at 800-251-2161. Rates can be locked only after you submit a fully executed rate lock agreement, pay any applicable fees, and the agreement is accepted by the Bank. Mortgage Rates are for Loans up to $417,000 for Owner Occupied Single Family Detached Properties Only.

Fixed Rate Mortgages

Rates as of Friday, February 3, 2012
Interest Rate Points Annual Percentage Rate Payments Closing Costs Apply
30 Year Fixed Purchase
3.625% 2.000 3.789% Show Payments and Rates $6,891.75
3.750% 1.000 3.832% Show Payments and Rates $5,897.00
3.875% 0.000 3.966% Show Payments and Rates $4,902.10
20 Year Fixed Purchase
3.500% 2.000 3.728% Show Payments and Rates $6,886.50
3.625% 1.000 3.739% Show Payments and Rates $5,891.75
3.750% 0.000 3.876% Show Payments and Rates $4,897.00
15 Year Fixed Purchase
2.875% 2.000 3.164% Show Payments and Rates $6,860.55
3.000% 1.000 3.144% Show Payments and Rates $5,865.65
3.125% 0.000 3.284% Show Payments and Rates $4,870.90
Actual rate may vary based on credit qualifications, loan amounts, combined loan to value, and terms. Subject to credit approval.

Annual Percentage Rates (APR) are based on $100,000 for conventional loans with a LTV of 80% or less. Loan to values greater than 80% would require a monthly PMI (Private Mortgage Insurance) payment.

Other terms and conditions may apply.

Call for pricing on loan amounts in excess of $650,000.
 
 
Fixed Rate Jumbo Mortgages

Rates as of Friday, February 3, 2012
Interest Rate Points Annual Percentage Rate Payments Closing Costs Apply
30 Year Fixed Jumbo Purchase
3.875% 2.000 4.042% Show Payments and Rates $7,034.00
4.000% 1.000 4.085% Show Payments and Rates $5,872.60
4.125% 0.000 4.217% Show Payments and Rates $5,044.50
20 Year Fixed Jumbo Purchase
3.750% 2.000 3.980% Show Payments and Rates $7,028.90
3.875% 1.000 3.990% Show Payments and Rates $6,034.00
4.000% 0.000 4.127% Show Payments and Rates $5,039.25
15 Year Fixed Jumbo Purchase
3.125% 2.000 3.416% Show Payments and Rates $7,002.80
3.250% 1.000 3.395% Show Payments and Rates $6,008.05
3.375% 0.000 3.535% Show Payments and Rates $5,013.30
Single Family Owner Occupied Residential Loans over $417,000 but less than $650,000.
 
Annual Percentage Rates (APR) are based on $100,000 for conventional loans with a 30% down payment. Maximum Loan to Value is 70%.

Subject to credit approval.

Loan advantages at
Naugatuck Valley Savings and Loan:
Fast, Friendly Service
Low Down Payment
No Point Financing Available
Automatic Payment
Extra Help-First Time Home Buyers
Pre-qualification Letter available
FDIC INSURED
FOR CURRENT RATES CALL (203) 720-5000

RATES SUBJECT TO CHANGE WITHOUT NOTICE