Purchase

Build equity. Create memories. Invest in your future.

Unlock the door to homeownership.

Primary Residence

Relocate. Move up. Downsize. We’ve got you covered.

As little as 5% down payment for qualified borrowers
Single-family, 2-4 family, and condominium properties
Fixed and Adjustable rates available

1st Time Homebuyer

As little as 3% down payment for qualified borrowers
1st Time Homebuyer discount to rate
Primary residence only
1-4 family, and condominium properties
Fixed and Adjustable rates available

Second Home

As little as 10% down payment for qualified borrowers
Single-family and condominium properties
Fixed and Adjustable rates available

Investment Property

20% minimum down payment for qualified borrowers and property
1-4 family, and condominium properties
Multiple properties may be financed
Ask about our investment loan rates

Meet Your Local Mortgage Lenders

At Windsor Federal Bank, we live, work, play, and serve in our local communities.

We understand it is more than a house – it’s your home. That’s why our mortgage lenders offer a highly personalized mortgage loan experience. Our dedicated experts have helped thousands of families and individuals realize their dreams of homeownership and real estate investment goals.

Talk to a hometown lender today!

Home Purchase – Fixed Rates

Home Purchase Mortgages – Fixed Rates

As of 11/21/2024

Home Purchase Mortgages – Fixed-Rate
Product	Interest Rate	APR (Annual Percentage Rate)*	Payment per $1,000**	Example Payment**
Product30 Year Fixed Rate Loan	Interest Rate6.500%	APR (Annual Percentage Rate)* 6.631%	Payment per $1,000**$6.32	Example Payment**A loan amount of $250,000 will have 360 fixed principal and interest monthly payments of $1,580.17
Product15 Year Fixed Rate Loan	Interest Rate5.875%	APR (Annual Percentage Rate)* 6.079%	Payment per $1,000**$8.37	Example Payment**A loan amount of $250,000 will have 180 fixed principal and interest monthly payments of $2,092.80

**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.

The following applies to mortgage products listed above:

*APR is based on a set of assumptions, which include the following:

A loan amount of $250,000
A down payment of 20%
A 1-4 family residential dwelling
A property intended to be utilized as a primary place of residence or second home
Points and fees apply and very based on product

**Payment examples do not include escrow of taxes and insurance; therefore, the actual monthly payment obligation may be greater.

Please contact our mortgage experts about our:

First-time Homebuyer rates
Other term options
Jumbo rates for loan amounts greater than $766,550
1-4 family residential investment properties
Other rate and point options

Actual rate may vary based on property type, occupancy, term, and geography.

The interest rate of the product for which you apply will not increase after consummation.

Combined Loan to Value (CLTV) up to 97% are available for certain mortgage products, property types, and loan amounts.

Hazard Insurance (flood insurance, if applicable) is required.

This is not a commitment to lend; all loans are subject to credit approval and other criteria.

Rates are subject to change without notice.

Home Purchase – Adjustable Rates

As of 11/21/2024

Terms and rates for Home Purchase Mortgage – Adjustable Rate
Product	Interest Rate	APR (Annual Percentage Rate)*	Term	Payment per $1,000**
Product10-Year/6-Month Adjustable Rate	Interest Rate5.875%	APR (Annual Percentage Rate)*6.714%	Term360 months	Payment per $1,000**$5.92

**Payment Example (10-Year/6-Month Adjustable Rate): A loan amount of $250,000 with an interest rate of 5.875% and an APR of 6.714% will have a monthly payment of $1,478.84 for years 1-10. For years 11-30, payments may change once every 6 months based on any decrease or increase in the Secured Overnight Financing Rate (SOFR) index as outlined in your agreement. Your monthly payment during years 11-30 can range from $1,156.40 to $2,134.53 due to this factor. Taxes and insurance are not included; therefore, the actual payment obligation will be greater.

The following applies to the mortgage product listed above:

*APR is based on a set of assumptions, which include the following:

A loan amount of $250,000
A down payment of 20%
A rate floor of 3.000%
A margin of 3.000% and lifetime rate cap of 5.000% (This means the rate will not increase by more than 5.000% over the life of the loan)
A 1-4 family Residential Dwelling
A property intended to be utilized as a primary place of residence or second home
Points and fees apply

Please contact one of our mortgage experts about our:

First-Time Homebuyer rates
Other term options
Jumbo rates for loan amounts greater than $766,550
1-4 Family Residential Investment Property rates
Other rate and point options

Actual rate may vary based on property type, occupancy, term, and geography.

Rates advertised are a variable rate and may change every 6 months after the initial 10-year fixed period. The interest rate will be determined by adding the index to the margin.

Combined Loan to Value (CLTV) up to 95% are available for certain mortgage products, property types and loan amounts.