Fixed Rate 15 year

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. If you're comfortable with a higher payment and wish to pay off your loan quickly, the 15 year fixed rate loan may be exactly what you are looking for.

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500 and an estimated property value of $450,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 6.000% interest rate, the APR for this loan type is 6.059%. The monthly payment schedule would be:

• 179 payments of $2,848.02 at an interest rate of 6.000%
• 1 payment of $2,847.50 at an interest rate of 6.000%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Fixed Rate 30 year

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. If you're comfortable with a higher payment and wish to pay off your loan quickly, the 30 year fixed rate loan may be exactly what you are looking for.

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500 and an estimated property value of $450,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 6.750% interest rate, the APR for this loan type is 6.787%. The monthly payment schedule would be:

• 359 payments of $2,189.02 at an interest rate of 6.750%
• 1 payment of $2,188.48 at an interest rate of 6.750%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

5 year Adjustable Rate Mtg - 30 years

An adjustable rate mortgage has a monthly payment that may change over the term of the loan. With our 5 Year Adjustable Rate Mortgage, your payment won't change for the first three years of the loan and then can change each year based on market conditions, subject to the specific terms of the loan.

Loan Term	360 Months	The period of time for the loan to be repaid.
Interest Only Term	N/A	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	60 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	60 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Five Year Treasury Bill	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.2400%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.7500%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500 and an estimated property value of $450,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 5.625% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.487%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• 60 payments of $1,942.84 at an interest rate of 5.625%
• 299 payments of $2,209.16 at an interest rate of 7.000%
• 1 payment of $2,209.79 at an interest rate of 7.000%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

10 year Adjustable Rate Mtg - 30 years

An adjustable rate mortgage has a monthly payment that may change over the term of the loan. With our 10 Year Adjustable Rate Mortgage, your payment won't change for the first three years of the loan and then can change each year based on market conditions, subject to the specific terms of the loan.

Loan Term	360 Months	The period of time for the loan to be repaid.
Interest Only Term	N/A	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	120 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	120 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Weekly Ten Year Constant Maturity Treasury (CMT)	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.5100%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.7500%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated 7/15/2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $337,500 and an estimated property value of $450,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 5.750% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.297%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• 120 payments of $1,969.56 at an interest rate of 5.750%
• 239 payments of $2,217.24 at an interest rate of 7.250%
• 1 payment of $2,218.20 at an interest rate of 7.250%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Equity Fixed Rate 15 year

A fixed rate home equity loan provides the money you need right now with a budget-friendly regular monthly payment amount.

Important Loan Information (Updated July 15, 2026)

The information provided is based on a $10,000 home equity loan. The property is located in Norwich, and is within New London County in the State of CT. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 90 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80% of the property value. Property insurance is required for this product.

At a 6.250% interest rate, the APR for this loan type is 6.843%. The monthly payment schedule would be:

• 179 payments of $85.74 at an interest rate of 6.250%
• 1 payment of $86.13 at an interest rate of 6.250%

Home Equity Line of Credit - Converts

A Home Equity Line of Credit puts extra cash as close as your checkbook. Apply now and access cash by one of three convenient ways; via internet at Dime Bank Online Banking, written authorization at any Retail Branch Location, or by writing a check.

Important Loan Information (Updated 7/15/2026)

The information provided is based on a $10,000 home equity loan. The property is located in Norwich, and is within New London County in the State of CT. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 90 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80% of the property value. Property insurance is required for this product.

Interest Rate/APR: Variable rate based on Prime Rate as published in the Wall Street Journal - 0.500% (subject to the floor/minimum rate of 4.00%, APR 4.00%) (Maximum rate to be charged is 15.00%, APR 15.00%), subject to change.

Payment: Minimum monthly payment will be interest only based on amount outstanding.

Term: 9 Years, 10 months draw period, followed by 15 year amortized repayment period.

Balance Due at End of Loan Term:

Closing Fees: $516.00

Annual Fee: $50.00

Dime Line $25,000 Min Draw

A Home Equity Line of Credit puts extra cash as close as your checkbook. Apply now and access cash by one of three convenient ways; via internet at Dime Bank Online Banking, written authorization at any Retail Branch Location, or by writing a check.

Important Loan Information (Updated July 15, 2026)

The information provided is based on a $10,000 home equity loan. The property is located in Norwich, and is within New London County in the State of CT. The property is an existing single-family home and will be used as a primary residence. The rate lock period is 90 days and the assumed credit score is 740. This assumes that the total of all existing mortgages does not exceed 80% of the property value. Property insurance is required for this product.

Interest Rate/APR: Introductory rate for the first 12 months. Must maintain a minimum balance of $25,000 for the first 6 billing cycles. Variable rate after the first 12 months. Prime Rate as published in the Wall Street Journal - 0.500% (subject to the floor/minimum rate of 4.00%, APR 4.00%) (Maximum rate to be charged is 15.00%, APR 15.00%), subject to change.

Payment: Minimum monthly payment will be interest only based on amount outstanding.

Term: 9 Years, 10 months draw period, followed by a 15 year amortized repayment period.

Balance Due at End of Loan Term:

Closing Fees: $516.00

Annual Fee: $50.00

Jumbo Fixed Rate 8 years - Fast Track

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. If you're comfortable with a higher payment and wish to pay off your loan quickly, the 8 year fixed rate loan may be exactly what you are looking for.

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 5.875% interest rate, the APR for this loan type is 5.904%. The monthly payment schedule would be:

• 95 payments of $10,892.92 at an interest rate of 5.875%
• 1 payment of $10,893.36 at an interest rate of 5.875%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Jumbo Fixed Rate 15 years

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. Choose a 15 year fixed rate loan if you're comfortable with a higher payment and you will have the benefit of substantial interest savings.

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 6.125% interest rate, the APR for this loan type is 6.149%. The monthly payment schedule would be:

• 179 payments of $7,083.59 at an interest rate of 6.125%
• 1 payment of $7,083.31 at an interest rate of 6.125%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Jumbo Fixed Rate 30 years

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change. Fixed rate loans are one of the most popular loan options today. By choosing a 30 year fixed rate loan, you will have the lowest monthly payment of all the fixed rate loans we offer.

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 6.250% interest rate, the APR for this loan type is 6.264%. The monthly payment schedule would be:

• 359 payments of $5,127.39 at an interest rate of 6.250%
• 1 payment of $5,127.69 at an interest rate of 6.250%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Jumbo 5 year Adjustable Rate Mtg 30 years

An adjustable rate mortgage has a monthly payment that may change over the term of the loan. With our 5 Year Adjustable Rate Mortgage, your payment won't change for the first three years of the loan and then can change each year based on market conditions, subject to the specific terms of the loan.

Loan Term	360 Months	The period of time for the loan to be repaid.
Interest Only Term	N/A	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	60 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	60 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Five Year Treasury Bill	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.2000%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.8750%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated 7/15/2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 5.625% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.540%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• 60 payments of $4,793.78 at an interest rate of 5.625%
• 299 payments of $5,512.56 at an interest rate of 7.125%
• 1 payment of $5,513.51 at an interest rate of 7.125%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Jumbo 10 year Adjustable Rate Mtg 30 years

An adjustable rate mortgage has a monthly payment that may change over the term of the loan. With our 10 Year Adjustable Rate Mortgage, your payment won't change for the first three years of the loan and then can change each year based on market conditions, subject to the specific terms of the loan.

Loan Term	360 Months	The period of time for the loan to be repaid.
Interest Only Term	N/A	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	120 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	120 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Weekly Ten Year Constant Maturity Treasury (CMT)	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.4400%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.8750%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 5.875% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.398%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• 120 payments of $4,926.04 at an interest rate of 5.875%
• 239 payments of $5,542.30 at an interest rate of 7.375%
• 1 payment of $5,542.71 at an interest rate of 7.375%

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Fixed Rate Construction to Perm 30 yr

A construction-to-permanent loan rolls the financing to build your custom home and your permanent mortgage into a single, one-time closing. You pay interest-only during the building phase, and upon completion, the loan automatically converts to your permanent mortgage with no second closing required. Subject to underwriting approval. Additional construction requirements apply.

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to build a property, with a loan amount of $337,500 and an estimated property value of $450,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 6.250% interest rate, the APR for this loan type is 6.327%. The monthly payment schedule would be:

• Interest in the amount of credit outstanding during the construction period will be paid monthly for 12 months followed by:
• 359 payments of $2,078.05 at an interest rate of 6.250%
• 1 payment of $2,076.43 at an interest rate of 6.250%

This payment schedule is based on a $337,500 loan on a $550,000 property in New London County, CT.

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

5 year Adjustable Rate Mtg Construction-Perm 30 yr

A construction-to-permanent loan rolls the financing to build your custom home and your permanent mortgage into a single, one-time closing. You pay interest-only during the building phase, and upon completion, the loan automatically converts to your permanent mortgage with no second closing required. Subject to underwriting approval. Additional construction requirements apply.

Loan Term	372 Months	The period of time for the loan to be repaid.
Interest Only Term	12 Months	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	60 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	60 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Five Year Treasury Bill	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.2000%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.8750%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated July 15, 2026)

At a 5.625% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.491%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• Interest in the amount of credit outstanding during the construction period will be paid monthly for 12 months followed by:
• 48 payments of $1,942.84 at an interest rate of 5.625%
• 311 payments of $2,216.84 at an interest rate of 7.000%
• 1 payment of $2,216.97 at an interest rate of 7.000%

This payment schedule is based on a $337,500 loan on a $550,000 property in New London County, CT.

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

10 year Adjustable Rate Mtg Construction-Perm 30 yr

A construction-to-permanent loan rolls the financing to build your custom home and your permanent mortgage into a single, one-time closing. You pay interest-only during the building phase, and upon completion, the loan automatically converts to your permanent mortgage with no second closing required. Subject to underwriting approval. Additional construction requirements apply.

Loan Term	372 Months	The period of time for the loan to be repaid.
Interest Only Term	12 months	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	120 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	120 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Weekly Ten Year Constant Maturity Treasury (CMT)	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.4400%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.8750%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated July 15, 2026)

At a 5.750% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.300%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• Interest in the amount of credit outstanding during the construction period will be paid monthly for 12 months followed by:
• 108 payments of $1,995.23 at an interest rate of 5.750%
• 239 payments of $2,246.14 at an interest rate of 7.250%
• 1 payment of $2,245.42 at an interest rate of 7.250%

This payment schedule is based on a $337,500 loan on a $550,000 property in New London County, CT.

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Jumbo Fixed Rate Mtg Construction-Perm 30 yr

A construction-to-permanent loan rolls the financing to build your custom home and your permanent mortgage into a single, one-time closing. You pay interest-only during the building phase, and upon completion, the loan automatically converts to your permanent mortgage with no second closing required. Subject to underwriting approval. Additional construction requirements apply.

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to build a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 6.375% interest rate, the APR for this loan type is 6.412%. The monthly payment schedule would be:

• Interest in the amount of credit outstanding during the construction period will be paid monthly for 12 months followed by:
• 359 payments of $5,195.28 at an interest rate of 6.375%
• 1 payment of $5,198.23 at an interest rate of 6.375%

This payment schedule is based on a $832,751 loan on a $1,200,000 property in New London County, CT.

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Jumbo 5 yr Adjustable Rate Mtg Const-Perm 30 yr

A construction-to-permanent loan rolls the financing to build your custom home and your permanent mortgage into a single, one-time closing. You pay interest-only during the building phase, and upon completion, the loan automatically converts to your permanent mortgage with no second closing required. Subject to underwriting approval. Additional construction requirements apply.

Loan Term	372 Months	The period of time for the loan to be repaid.
Interest Only Term	12 Months	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	60 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	60 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	2.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Five Year Treasury Bill	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.2000%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.8750%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to build a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 5.625% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.522%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• Interest in the amount of credit outstanding during the construction period will be paid monthly for 12 months followed by:
• 60 payments of $4,793.78 at an interest rate of 5.625%
• 299 payments of $5,762.19 at an interest rate of 7.625%
• 1 payment of $5,765.44 at an interest rate of 7.625%

This payment schedule is based on a $832,751 loan on a $1,200,000 property in New London County, CT.

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.

Jumbo 10 yr Adjustable Rate Mtg Const-Perm 30 yr

A construction-to-permanent loan rolls the financing to build your custom home and your permanent mortgage into a single, one-time closing. You pay interest-only during the building phase, and upon completion, the loan automatically converts to your permanent mortgage with no second closing required. Subject to underwriting approval. Additional construction requirements apply.

Loan Term	372 Months	The period of time for the loan to be repaid.
Interest Only Term	12 months	During this term, the payment covers only the cost of your interest. After this period, the payment will increase.
Initial Fixed Period	120 Months	The initial rate will be fixed for this period. After this period, the interest rate will be adjusted at the frequency noted below (Subsequent Adjustment Period).
Subsequent Adjustment Period	120 Months	After the initial fixed period, the interest rate will be adjusted each time this number of months has passed.
Initial Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after the Initial Fixed Period.
Periodic Adjustment Cap	3.0000%	The maximum amount the rate may increase or decrease after each Subsequent Adjustment Period.
Maximum Interest Rate	Initial Rate + 6.0000%	The maximum interest rate you may be required to pay.
Index	Weekly Ten Year Constant Maturity Treasury (CMT)	A published interest rate used to establish the interest rate offered on an Adjustable Rate Mortgage (ARM). Some of the most common indices are Treasury Bills, Treasury Securities,Secured Overnight Financing Rate (SOFR) and the Cost of Funds Index (COFI).
Current Index Value	4.4400%	The current value of the Index as of the date below - this value is subject to change without notice.
Margin	2.8750%	The amount that is added to the Index to determine the rate at each adjustment (subject to any adjustment caps or floors).

Important Loan Information (Updated July 15, 2026)

The information provided assumes the purpose of the loan is to build a property, with a loan amount of $832,751 and an estimated property value of $1,200,000. The property is located in Norwich, CT and is within New London County. The property is an existing single-family home and will be used as a primary residence. An escrow (impound) account is required. The assumed credit score is 740.

At a 5.750% initial interest rate, the Annual Percentage Rate (APR) for this loan type is 6.2%. Both the Interest Rate and APR may increase after consummation. Based on current market conditions, the monthly payment schedule would be:

• Interest in the amount of credit outstanding during the construction period will be paid monthly for 12 months followed by:
• 120 payments of $4,859.71 at an interest rate of 5.750%
• 239 payments of $6,116.90 at an interest rate of 8.750%
• 1 payment of $6,117.82 at an interest rate of 8.750%

This payment schedule is based on a $832,751 loan on a $1,200,000 property in New London County, CT.

Monthly payments do not include taxes or insurance; therefore, the actual payment will be greater. Escrow is required.