mortgages that get you in your dream home

Make your dream house a reality. Let us help you with a mortgage from GSB for your new Connecticut home.

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  • Fixed-Rate
  • adjustable-rate
  • First-time homebuyer
  • Land Loans
  • Construction Loans
  • Investment & Seasonal loans
Fixed-Rate
Person calculating fixed-rate mortgages
Fixed-Rate Mortgage: One Rate for the Length of Your Loan

Get stress-free financing through a fixed-rate mortgage with GSB. Your interest rate will stay the same for the life of the loan, so you’ll know what to expect each and every month.

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adjustable-rate
An adjustable-rate mortgage allows you to take advantage of lower interest rates
Adjustable-Rate Mortgage: Lower Payments Early On

An adjustable-rate mortgage allows you to take advantage of lower interest rates. That means you enjoy lower payments during the early term of your loan. While the rate will vary depending on changes in the index, it’s limited to a certain percentage each year and over the life of the loan, protecting you from sharp index swings.

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First-time homebuyer
Fist-Time Homebuyers accepting a contract
First-time homebuyerLower Down Payment Requirements

Buying a home for the first time is exciting, and we want to help make it as stress-free as possible. Our First-Time Homebuyer Program helps new homebuyers, or those who haven’t owned a home in the last three years, lower their costs by offering lower down payment requirements and rate discount.

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Land Loans
Secure the perfect property with land loans
Land Loans:Secure The Perfect Property

A land loan helps pave the way for your future home. Finance the perfect piece of property while you set up the details for building, like getting the right permits and finding an architect to work with. With a land loan, you lay down your dream home’s foundation and truly make your home yours.

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Construction Loans
Get to building your dream home with construction loans
Construction Loans:Get to Building Your Dream Home

Save time and money while building the home you’ve always wanted. Our award-winning construction loans give you the finances and flexibility needed to bring your vision to life. Key benefits include:
•One closing that covers both the construction and permanent financing.
•Loan amount of up to 80% of appraised value, or cost of land plus improvements—whichever is lower.
•Flexible loan disbursement schedule.
•Quick turnaround on inspection requests.
•A 120-day rate lock for Purchase-Upon-Completion loans.

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Investment & Seasonal loans
Investment and Seasonal Loans for special bonus homes
Investment & Seasonal loans: For Those Special Bonus Homes

We understand that seasonal and investment properties need intricate financing, whether you’re purchasing a second home or investment property. That’s why we create special plans to finance your special investments.

Benefits include:
•Obtaining money quickly to finance your purchase.
•Benefiting from a mortgage plan tailored to your personal needs.
•Financing your loan with monthly automatic payment options.

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Need Help Choosing an Account?

Answer some simple questions and our Product Selector Tool will quickly find your best option.

An easy lending experience with GSB

1

apply for a mortgage preapproval

A mortgage preapproval helps you understand how much you may be able to borrow to buy a home, makes you more attractive to sellers, and alerts you to problems that may affect your ability to get a loan.

2

Complete Your Mortgage Application

Find your dream home and complete your online mortgage application. A GSB underwriter validates your stated assets and finances, and prepares the Closing Disclosure.

3

Close On Your New Home

Your attorney manages the closing and signing of all documents.
Congratulations! You now own your new home!

BAUER FINANCIAL
2021 BAUER FINANCIAL SUSTAINED SUPERIORITY AWARD
Bauer Financial
Presented to Guilford Savings Bank

Given to the top 10% of banks nationwide in areas of capital, profitability, and asset quality, GSB has been awarded the Bauer Financial Sustained Superiority Award for 31 consecutive years.

NEW HAVEN READERS' POLL
2021 BEST OF NEW HAVEN
NEW HAVEN READERS' POLL
Presented to Guilford Savings Bank

This award recognizes the best providers of professional services as voted on by readers.

ZIP06’S OFFICIAL COMMUNITY CHOICE AWARDS
2020 BEST ON THE SHORELINE 1ST PLACE
ZIP06’S OFFICIAL COMMUNITY CHOICE AWARDS
Presented to Guilford Savings Bank

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Find a loan with competitive lending rates and flexible financing options.
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