Fixed Rate Mortgages


WSB is your one stop shop for all your online mortgage needs.  Apply online, upload, and e-sign documents through our Borrower Portal.  But don’t worry – we’re still here to help you step-by-step if you need us.  
 
Take a look at Fixed or Adjustable - Which Mortgage is Right for Me?  A brief, but helpful overview of the different mortgage products we offer.
 
 
PREQUALIFY         APPLY NOW         BORROWER PORTAL         PAYMENT ESTIMATOR

Loan Amount Interest Rate APR*
Up to $766,550.00 6.250% 6.385%



For a listing of fees associated with your mortgage, please see our schedule of fees.

*APR = Annual Percentage Rate

Fixed Rate Mortgages Disclosure Information

Interest rates are tiered based on amount borrowed.  A Fixed Rate Mortgage means the interest rate is fixed for the term of the loan.

EXAMPLE: A $250,000.00 fixed rate mortgage financed for 30 years at an interest rate of 6.500% would yield an APR* (Annual Percentage Rate) of 6.559% and 359 Payments of $1580.17 and 1 Final Payment of $1580.55

*The APR (Annual Percentage Rate) in this example reflects all pre-paid costs and odd days interest with no points. The borrower will pay cost of the survey, title insurance, attorney fees, appraisal fee, flood zone determination fee, credit report fee, underwriting, mortgage recording tax, abstract re-date and other applicable related costs. Please see our schedule of fees for details. Homeowner’s insurance will be required as well as flood insurance for applicable areas. All loans are subject to credit approval. Approval restrictions may apply.

FIRST TIME HOME BUYERS:  If you qualify under the guidelines as a First Time Home Buyer, the application fees and loan administration fees are waived.
  

You may also file complaints and obtain further information about Watertown Savings Bank by contacting us directly, or by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website atwww.dfs.ny.govWatertown Savings Bank is registered with NYSDFS.

Loan Amount Interest Rate APR*
Up to $766,550.00 6.250% 6.386%



For a listing of fees associated with your mortgage, please see our schedule of fees.

*APR = Annual Percentage Rate

Fixed Rate Mortgages Disclosure Information

Interest rates are tiered based on amount borrowed.  A Fixed Rate Mortgage means the interest rate is fixed for the term of the loan.

EXAMPLE: A $250,000.00 fixed rate mortgage financed for 30 years at an interest rate of 6.500% would yield an APR* (Annual Percentage Rate) of 6.559% and 359 Payments of $1580.17 and 1 Final Payment of $1580.55

*The APR (Annual Percentage Rate) in this example reflects all pre-paid costs and odd days interest with no points. The borrower will pay cost of the survey, title insurance, attorney fees, appraisal fee, flood zone determination fee, credit report fee, underwriting, mortgage recording tax, abstract re-date and other applicable related costs. Please see our schedule of fees for details. Homeowner’s insurance will be required as well as flood insurance for applicable areas. All loans are subject to credit approval. Approval restrictions may apply.

FIRST TIME HOME BUYERS:  If you qualify under the guidelines as a First Time Home Buyer, the application fees and loan administration fees are waived.
  

You may also file complaints and obtain further information about Watertown Savings Bank by contacting us directly, or by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website atwww.dfs.ny.govWatertown Savings Bank is registered with NYSDFS.

Loan Amount Interest Rate APR*
Up to $150,000.00 6.500% 6.583%
$150,000.00 - $199,999.99 6.500% 6.583%
$200,000.00 - $249,999.99 6.500% 6.583%
$250,000.00 - $499,999.99 6.500% 6.559%
$500,000.00 - $766,550.00 6.625% 6.732%



For a listing of fees associated with your mortgage, please see our schedule of fees.

*APR = Annual Percentage Rate

Fixed Rate Mortgages Disclosure Information

Interest rates are tiered based on amount borrowed.  A Fixed Rate Mortgage means the interest rate is fixed for the term of the loan.

EXAMPLE: A $250,000.00 fixed rate mortgage financed for 30 years at an interest rate of 6.500% would yield an APR* (Annual Percentage Rate) of 6.559% and 359 Payments of $1580.17 and 1 Final Payment of $1580.55

*The APR (Annual Percentage Rate) in this example reflects all pre-paid costs and odd days interest with no points. The borrower will pay cost of the survey, title insurance, attorney fees, appraisal fee, flood zone determination fee, credit report fee, underwriting, mortgage recording tax, abstract re-date and other applicable related costs. Please see our schedule of fees for details. Homeowner’s insurance will be required as well as flood insurance for applicable areas. All loans are subject to credit approval. Approval restrictions may apply.

FIRST TIME HOME BUYERS:  If you qualify under the guidelines as a First Time Home Buyer, the application fees and loan administration fees are waived.
  

You may also file complaints and obtain further information about Watertown Savings Bank by contacting us directly, or by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website atwww.dfs.ny.govWatertown Savings Bank is registered with NYSDFS.


Term Interest Rate APR*
30 Years 6.875% 6.985%
20 Years 6.625% 6.765%
15 Years 6.500% 6.674%



For a listing of fees associated with your mortgage, please see our schedule of fees.

*APR = Annual Percentage Rate

Fixed Rate Mortgages Disclosure Information

A Fixed Rate Mortgage means the interest rate is fixed for the term of the loan.

EXAMPLE: A $100,000.00 fixed rate mortgage financed for 30 years at an interest rate of 6.875% would yield an APR* (Annual Percentage Rate) of 6.985% and 359 Payments of $656.93 and 1 Final Payment of $655.60

*The APR (Annual Percentage Rate) in this example reflects all pre-paid costs and odd days interest with no points. The borrower will pay cost of the survey, title insurance, attorney fees, appraisal fee, flood zone determination fee, credit report fee, underwriting, mortgage recording tax, abstract re-date and other applicable related costs. Please see our schedule of fees for details. Homeowner’s insurance will be required as well as flood insurance for applicable areas. All loans are subject to credit approval. Approval restrictions may apply.

FIRST TIME HOME BUYERS:  If you qualify under the guidelines as a First Time Home Buyer, the application fees and loan administration fees are waived.
  

You may also file complaints and obtain further information about Watertown Savings Bank by contacting us directly, or by contacting the New York State Department of Financial Services Consumer Assistance Unit at 1-800-342-3736 or by visiting the Department’s website atwww.dfs.ny.govWatertown Savings Bank is registered with NYSDFS.