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Because we want to help make your dream (home) come true.

Are you looking for the right mortgage to buy your new home? Maybe you need a Home Equity Line of Credit (HELOC) to make improvements on your current home?

The team at Salisbury Bank wants you to feel more at home. We offer mortgages and loans that fit your finances—and get you one step closer to your dream. Whatever your goal, we have a loan solution.

Our experienced team of lenders are ready to work with you.

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Our Mortgage Team

Meet the team of experienced lenders—ready to find the right mortgage solution for you.

Our Lenders
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Mortgages Made Easy

Our calculators can assist you in planning your next financial step.

Calculators
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Your Business is Our Business

We help with more than dream homes. We’re also in the business of dream jobs. View our business lending options.

Business Loans

Working with Salisbury Bank’s mortgage team made us confident we chose the right bank.

Michael and Caryn Campagna

First-time homebuyers, Hudson Valley, New York.

Residential Mortgage Rates

Effective Date: Tuesday August 16, 2022

Program Name Rate APR

Estimated Monthly Payment*

15 Year/180 months (Fixed Conforming)1

4.875%

5.105%

$1,725.45
20 Year/240 months (Fixed Conforming)1

5.000%

5.183%

$1,451.90

30 Year/360 months (Fixed Conforming)1 5.375% 5.514%

$1,231.94

1st Time Buyer (Conforming)2 5.500% 5.640% $1,249.14
15 Year/180 months (Fixed Jumbo)3 5.375% 5.455%

$8,104.65

HELOC (Other)4 5.500% 5.500% $   458.33

*See assumptions listed below.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner’s insurance premiums and the actual payment will be greater.

Payments do not include taxes and insurance premiums. The actual payment amount will be greater. An escrow account is required and the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $220,000.00 and an estimated property value of $367,000.00. The property is located in CT and is within Litchfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

2 The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $220,000.00 and an estimated purchase price of $231,600.00. The property is located in CT and is within Litchfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 700.

Payments do not include taxes and insurance premiums. The actual payment amount will be greater. An escrow account is required and the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

The information provided assumes the purpose of the loan is to purchase a property, with a loan amount of $1,000,000.00 and an estimated property value of $1,450,000.00. The property is located in CT and is within Litchfield county. The property is an existing single family home and will be used as a primary residence. An escrow (impound) account is required. The rate lock period is 45 days and the assumed credit score is 740.

If an escrow account is required or requested, the actual monthly payment will also include amounts for real estate taxes and homeowner's insurance premiums.

The information provided is based on a $100,000.00 loan. The property is located in Lakeville, Litchfield 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 0 days. This assumes that the total of all existing mortgages does not exceed 80.% of the property value with an existing Salisbury Bank mortgage.

Interest Rate/APR: Prime Rate as published in the Wall Street Journal, floor rate is currently Prime, the rate is variable and subject to change.
Payment: Minimum monthly payment will be based on interest due.
Term: 10 year draw followed by 10 year repayment period.
Balance Due at End of Loan Term: If you make the minimum monthly payment during the repayment period of your loan on or before the due date, the loan will be paid in full after the repayment period ends.
Application Fee: $100.00 for lines of credit in the amount of $150,000.00 or less.  For lines of credit in the amount of $150,001.00 or greater additional closing fees may apply.

New York State properties will have an additional fee of mortgage tax
Annual Fee: $0.00 Membership or Participation fee: $0.00

Maximum APR is 16.00%

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Checking Accounts

From big rewards to low fees, we can help you find whatever you’re looking for in a checking account.

Savings Accounts

Whether you’re saving for your dream home, a rainy day or anything in between, we’ve got an account to help get you there.

Borrowing

When it comes to getting the right loan, working with a local team can make all the difference.