Looking to buy a new, or maybe even your first home? Or thinking about updating your current one? GSB offers the competitive rates, fast approvals and local experts to help. Whether you’re a current customer, or just need to explore your home lending options, WE INVITE YOU TO STOP IN ANY BRANCH to enjoy:
FREE, NO OBLIGATION HOMEOWNER REVIEW. This helpful and painless (we promise) review with one of our local lending experts can help you make the right decision when it comes to looking at Mortgages, Home Equity and other lending options to fit your needs. PLUS, every Homeowner Review gets entered to win a Grand prize!
GRAND PRIZE GIVEAWAY*! Enter to win:
FREE GIVEAWAYS AND REFRESHMENTS
MAKE AN APPOINTMENT, or walk right in!
*GSB Open House Sweepstakes No purchase necessary. The Sweepstakes sponsor is GSB (“Sponsor”), located at One Park Street, Guilford, CT 06437. Must be 18 years or older to participate. Odds of winning are based on the number of sweepstakes participants. A total of one (1) grand prize of a $250 Home Improvement Gift Card will be issued. A total of eight (8) $50 First Prize Gift Cards will be issued. Individuals may enter two ways: 1. In any Sponsor Branch: Stop in and ask for a Free Homeowner Review at any branch view locations at HTTPS://WWW.GSB-YOURBANK.COM/ABOUT-US/CONTACT-INFO/LOCATIONS-ATMS, or 2. By Mail – Complete and send in a card or letter stating your full Name, Address, Phone Number and Email before June 25, 2022, to the attention of Paul Pirrotta. Prizes will be drawn after close of business (4:00PM) on June 27, 2022. Winner will be notified by email on June 29, 2022.Prize is non-transferable. Winner will be contacted via the email address provided in the in-branch or by mail, and up to an additional two (2) times via the phone number provided if initial email contact is unsuccessful. Winner has 10 business days to claim their prize before prize is forfeited and an additional winner is selected. Gift Cards will be shipped/delivered to the address on the Giveaway form and may be subject to 1099 reporting. Winner is responsible for all applicable taxes. GSB employees are not eligible to win. By agreeing to sweepstakes rules, the Winner agrees to take part in a picture to be used in GSB Social Media Feeds, and on our website. Winner may approve the picture used.
**$1500 BACK: Offer ends June 30, 2022, and can be withdrawn at any time. Offer valid for purchase and external refinance types only. Valid for residential first mortgages and residential construction mortgages only. Offer not valid for: refinancing of loans held at GSB, vacant land, First Time Homebuyer, or Home Equity Loans, Home Equity Lines of Credit or Government Backed Loans (FHA, VA, USDA). Subject to credit and property approval. Offer cannot be combined with other offers. Not valid for loans from brokers. Valid only on mortgages applied for directly with GSB on or after April 11, 2022.Applicants who have applied for loans with GSB prior to April 11, 2022 are ineligible for this offer. Cash back at closing offer will appear as a lender credit equal to the cost of: Appraisal Fee, Appraisal Management Fee, Underwriting Fee and Processing Fee at closing, up to a maximum credit of $1,500.
Applicants must use promo code “GSB1500” to qualify. When applying on-line the promo code must be entered during the final step of your on-line loan application in the “Is there any additional information you would like to include in your application?” box before hitting submit. When working directly with a Mortgage Loan Officer you must mention the promo code at the time of application.
*** All Access HELOC customers only. Subject to credit approval. No Points. Credit line limits between $25,000 and $500,000. Maximum Combined Loan to Value (CLTV) is 80%. If existing first mortgage is non-GSB and exceeds $750,000, the maximum CLTV is 60%. The introductory Annual Percentage Rate (APR) of 1.99% (“Introductory APR”) is a promotional rate that is fixed for the first 12 monthly billing cycles (“Introductory Period”) as long as you maintain a minimum balance of at least $25,000 on your line. If that minimum balance is not maintained throughout the entire Introductory Period, the Introductory APR may end early, and your Account will begin to accrue interest based on a variable rate formula. In any event, once the Introductory Rate ends, your interest rate can change monthly and will be based on a variable rate formula. With that formula, as long as you maintain an Automatic Payment Feature, we will subtract a margin of 0.25 percentage points from the Prime Rate (Wall Street Journal as of 6.1.2022). Using that formula, the current APR would be 3.75%. Our Automatic Payment Feature is a convenient way for you to make your monthly payments directly from an Access deposit account maintained at GSB. The maximum APR is 17% and the minimum APR is 3%. An annual membership fee of $50 is required. An Early Termination Fee will be required if the Account is terminated within the first 2 years. Homeowner’s insurance required. For credit limits in excess of $250,000, you must pay for a full appraisal (appraisal costs can range from $450 to $720). If property held in trust, trust review fee ($300) and attorney closing fees (Estimated $650-$850) will apply. Homes for sale or intended for sale within the next six months are not eligible for this promotional product. Other terms and conditions apply. Offer may be withdrawn at any time. For more information, see a bank representative.