*Rates start at 2.75% with a 2.95% APR. The five-year Adjustable Rate Mortgage rate is based on a 30-year loan with no points and a current index of .19% as of 8/21/12 with a monthly payment of $4.08 per thousand borrowed. Rate adjustments will occur annually after year five and will be based on the weekly average yield of U.S. Treasury securities, adjusted to a constant maturity of one year plus a margin of 2.75%. The initial rate will not change by more than 2% in any one year or 6% over the life of the loan. Loan-to-value ratio over 80% requires Private Mortgage Insurance. This rate is for conventional owner occupied 1-4 family properties in Connecticut for loan amounts between $200,000 and $417,000. Please call for other loan amounts. Rate will be 0.125% higher without direct deposit. Application fee of $275 required. Rates may be higher based on your credit history. Rates subject to change without prior notice.