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Mortgages for Connecticut's First-Time Homebuyers

Dreaming of owning a home? Take advantage of the First-Time Homebuyer Program from Thomaston Savings Bank. This special first-time homebuyer program is made available to assist individuals either buying homes in low- and moderate-income census tracts, or low- and moderate-income individuals purchasing homes in any of the Bank's communities here in Connecticut. With competitive rates and personalized service, open the door to your new home.

Find A Homebuyer Program Built for Where You Want to Live

First-Time Homebuyer

Available in designated areas
within these communities.¹

Bristol
New Britain
Plainville
Torrington
Waterbury
West Hartford
Winsted

First-Time Homebuyer Plus

Available in any of the Bank's communities.¹
Income limits apply.²

LITCHFIELD COUNTY
Thomaston
Watertown
Plymouth
Harwinton
Woodbury
Litchfield
Morris
New Hartford
Torrington
Bethlehem
Winsted

NEW HAVEN COUNTY
Middlebury
Naugatuck
Prospect
Waterbury
Wolcott

HARTFORD COUNTY
Avon
Bristol
Burlington
Canton
Farmington
New Britain
Plainville
Southington
West Hartford

Program Highlights:

3% minimum down payment
No P.M.I. (Private Mortgage Insurance)
Rate reduced .25% below our current rate
Rebate of full appraisal fee at closing
Non-traditional or limited credit history

Alternate Credit Underwriting:

One year employment history
Self employed - two years of steady income
Utility bills and rents - used for credit history

Program Details:

$350,000 maximum loan amount
Owner-occupied, 1-4 family and condos
Various fixed rate options available
No pre-payment penalty
No balloon payment
Homebuyer education program required
Property must be located in a designated census tract, or homebuyer must be a low- and moderate-income individual purchasing a home in any of the Bank's communities.

Down Payment Assistance Available:

This Thomaston Savings Bank program is available to be used in conjunction with First-Time Homebuyer and First-Time Homebuyer Plus Programs for up to 3% of your home's financing.

Contact a Mortgage Loan Officer to apply!

Fill out your information below to get in touch and find out how you can become a First-Time Homebuyer.

Jason Alldredge
Jalldredge@thomastonsb.com
NMLS ID 457926
Work: 860-283-3441
Mobile: 203-558-0290

Vania Guerrera
Vguerrera@thomastonsb.com
NMLS ID 457927
Work: 860-283-3487
Mobile: 203-525-0364

Bob Frazee
Rfrazee@thomastonsb.com
NMLS ID 103851
Work: 860-283-3406
Mobile: 860-559-0353

Kate Crovo
Kcrovo@thomastonsb.com
NMLS ID 882254
Work: 860-283-3610
Mobile: 860-307-0371

Russell Baboff
Rbaboff@thomastonsb.com
NMLS ID 1014636
Work: 860-283-3688
Mobile: 860-463-1745

Peter Aylward
Paylward@thomastonsb.com
NMLS ID 106105
Work: 860-283-3681
Mobile: 203-685-9550

First Name *

Last Name *

Phone

Email *

Address

City

State

Zip Code

Loan Officer

Comments

¹Contact your loan officer for details.

²80% area median income limits apply. The United States Department of Housing and Urban Development (HUD) calculates AMI for each geographic region in the country by using data from the US Census based American Community Survey. A household’s income is calculated by its gross income, which is the total income received before taxes and other payroll deductions.

**Your information will be sent securely through our system, directly to a Mortgage Loan Officer.

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