Whether you are just starting out, or moving up to the home of your dreams, Dime can make it happen. We enjoy helping families like yours become homeowners. Dime offers personal service and affordable rates.

Contact Residential Lending:

BethAnn Ericson, Assistant Vice President - NMLS ID# 612521 - 860.859.4300
Jeanne Lussier, Assistant Vice President - NMLS ID# 954464 - 860.739.2192
Karen Roman, Vice President - NMLS ID# 768418 - 860.859.4300


Rates effective are subject to change at any time.
Please contact any one of our convenient branches for current rates and terms.

Fixed Rate Mortgages

Fixed Rates
Type Rate*
Points
Annual
Percentage
Rate^^
Number of
Monthly
Payments
Terms of Repayment

Payment per $100,000^
15-Year Fixed  
     
  3.3750%
0
3.4460% 180 $708.76
  3.1250%
1
3.3401% 180 $696.61
  2.8750%
2
3.2342% 180 $684.59
20-Year Fixed  
     
  3.7500%
0
3.8075% 240 $592.89
  3.5000%
1
3.6703% 240 $579.96
  3.3750%
2
3.6595% 240 $573.56
30-Year Fixed  
     
  4.0000%
0
4.0427% 360 $477.42
  3.8750%
1
4.0004% 360 $470.24
  3.6250%
2
3.8312% 360 $456.05

^Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.
^^Annual Percentage Rate (APR) is based on a $100,000 loan, the applicable term, Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.
*These rates are valid for mortgages up to $424,100.00, owner-occupied, single family residential properties located in CT or RI. Interest rates are subject to change without notice and will be based upon certain eligibility or other loan features, such as credit score, loan purpose, occupancy, LTV, number of units and product type. Rates last changed on date listed above.
$342.00 Origination fee.
$375.00 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.
No prepayment penalty.
Other terms and conditions may apply.

Adjustable Rate Mortgages

ARM Rates
Purchase Transactions Interest Rate* # of monthly payments Points Monthly Payment per $100,000 Fully indexed rate %* #of monthly payments Monthly Payment per $100,000^ Annual Percentage Rate^^
1/1 ARM 2.375 12 0 $388.65 4.000% 348 $478.85 3.792%
3/3 ARM 2.500 36 0 $395.12 4.250% 324 $519.36 3.796%
5/5 ARM 2.750 60 0 $408.24 4.500% 300 $555.83 3.916%
10/10 ARM 3.375 120 0 $442.10 5.000% 240 $659.96 3.990%

^Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.
^^Annual Percentage Rate (APR) is based on a $100,000 loan, 30 year term and Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. The APR is subject to increase after closing. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.
*These rates are valid for mortgages up to $424,100.00, owner-occupied single family residential properties located in CT or RI. Interest rates quoted are variable rate and will change after the initial fixed period of 1, 3, 5 or 10 years and they are subject to change without notice. Rates last changed on date listed above.
$324.00 Origination fee.
$375.00 Appraisal fee for owner occupied single family property valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.
No prepayment penalty.
Other terms and conditions may apply.

FastTrack Fixed Rate Mortgages

FastTrack Mortgage Fixed Rates
Type Rate
Points
Annual
Percentage
Rate^^
Number of
Monthly
Payments
Terms of Repayment

Payment per $100,000^
8-Year Fixed  
     
Conventional* 2.625%
0
2.660% 96 $1,156.00
           
Jumbo** 2.625%
0
2.660% 96 $1,156.00

^Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.
^^Annual Percentage Rate (APR) is based on a $100,000 loan, Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.
*These rates are valid for mortgages up to $424,100.00, owner-occupied, single family residential properties located in CT or RI.
**These rates are valid for mortgages over $424,100.00, owner-occupied, single family residential properties located in CT or RI.
Interest rates and APR are subject to change without notice. Rates last changed on date listed above.
$300 of the application fee is waived.
$24.00 Origination fee.
$375 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.
No prepayment penalty.
Other terms and conditions may apply.

Construction Loans

FastTrack Fixed Rate Construction Loans
Type Rate*
Points
Annual
Percentage
Rate^^
Number of
Monthly
Payments
Terms of Repayment

Payment per $100,000^
           
8 years (includes 12 mos. construction period) 3.125%
0
3.445% 96 $1,178.64

^Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.
^^Annual Percentage Rate (APR) is based on an 8 year term, a Loan to Value (LTV) of 80% or less and a $100,000 loan.
*These rates are valid for mortgages on 1-4 family owner-occupied residential properties located in CT or RI. Maximum Loan-to-Value is 80%. Interest rates are subject to change without notice. Rates last changed on date listed above.
Construction period is 12 months. Construction must be satisfactorily completed & C.O. issued within the construction period.
$300 of the application fee is waived.
$24.00 Origination fee.
$375 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.
No prepayment penalty.
Other terms and conditions may apply.

Fixed Rate Construction Loans
Type Rate* Annual
Percentage
Rate^^
Number of
Monthly
Payments
Terms of Repayment

Payment per $100,000^
10 years 3.375% 3.704% 120 $983.01
15 years 3.625% 3.854% 180 $721.04
30 years 4.125% 4.256% 360 $484.65

^Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.
^^Annual Percentage Rate (APR) is based on the applicable type**, a Loan to Value (LTV) of 80% or less and a $100,000 loan.
*These rates are valid for mortgages up to $424,100.00. For 1-4 family owner-occupied residential properties located in CT or RI. Maximum Loan-to-Value is 80%. Interest rates are subject to change without notice. Rates last changed on date listed above.
Construction period is 12 months. Construction must be satisfactorily completed & C.O. issued within the construction period.
$324.00 Origination fee.
$375 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.
No prepayment penalty.
Other terms and conditions may apply.

Adjustable Rate Construction Loans

Please contact any one of our convenient branches for current rates and terms.

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Jumbo Mortgages

Fixed Rate Jumbo Mortgages
Type Rate* Annual
Percentage
Rate^^
Number of
Monthly
Payments
Terms of Repayment

Payment per $100,000^
10 years 3.250% 3.352% 120 $977.19
12 years 3.375% 3.462% 144 $845.50
15 years 3.375% 3.446% 180 $708.76
20 years 3.875% 3.933% 240 $599.41
25 years 4.000% 4.049% 300 $527.84
30 years 4.125% 4.169% 360 $484.65

^Payments do not include taxes or insurance and actual payment may be greater. Escrow is required.
^^Annual Percentage Rate (APR) is based on a Loan to Value (LTV) of 80% or less. APR is accurate as of the effective date. An LTV greater than 80% requires Private Mortgage Insurance (PMI) which could increase your monthly payment and APR.
*These rates are valid for mortgages over $424,100.00, owner-occupied, single family residential properties located in CT or RI. Interest rates and APR are subject to change without notice. Rates last changed on date listed above.
$324.00 Origination fee.
$375 Appraisal fee for owner-occupied, single family properties valued at $500,000 or less. Appraisal fees on properties valued over $500,000 will be greater.
No prepayment penalty.
Other terms and conditions may apply.

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Land Loans

Please contact any one of our convenient branches for current rates and terms.

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Personal Loans

Minimum loan amount is $1,000.00.

Dime Deposit Account Holder
Number of
Monthly Payments
Rate Annual Percentage Rate Terms of Repayment

Payment per $1,000
12 10.00% 10.00% $87.92
24 10.00% 10.00% $46.15
36 10.00% 10.00% $32.27

Non Dime Deposit Account Holder
Number of
Monthly Payments
Rate Annual Percentage Rate Terms of Repayment

Payment per $1,000
12 12.00% 12.00% $88.85
24 12.00% 12.00% $47.07
36 12.00% 12.00% $33.21

Interest rates and APR are subject to change without notice. Rates last changed on date listed above.
Other terms and conditions may apply.

Please contact any one of our convenient branches for current rates and terms for Automobile Loans.

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Home Equity Loans

Fixed Rate Home Equity Loans

Type (1) Rate* Annual
Percentage
Rate^^
Number of
Monthly
Payments
Terms of Repayment

Payment per $10,000^
5 Years 3.000% 3.051% 60 $179.69
10 Years 3.625% 3.657% 120 $99.47
15 Years 4.375% 4.402% 180 $75.86

^Payments do not include taxes or insurance and actual payment may be greater. Escrow is not required.
^^ Annual Percentage Rate (APR) is based on zero points, a $10,000 loan, Loan to Value (LTV) of 80% or less.
*These rates are valid for mortgages up to $250,000.00. For 1-4 family owner-occupied residential properties located in CT or RI. Maximum Loan-to-Value is 80%. Interest rates and APR are subject to change without notice. Rates last changed on date listed above.
No application fee.
No prepayment penalty.
Other terms and conditions may apply.

Variable Rate Home Equity Line of Credit

Rate* Annual Percentage Rate Floor Ceiling Borrowing Period (1) Repayment Period (2)
Prime minus 0.25%

4.00% minus 0.25%
3.75% 3.75%min 15%max 118 months 180 months

Payments do not include taxes or insurance and actual payment may be greater.
Minimum loan amount is $10,000.
*Your interest rate and payment can potentially change on a daily basis, depending upon changes in a "Prime Rate Index " value. Please ask about the current index value, margin, discount or premium, and the annual percentage rate that is currently being offered for this program (your rate may be different by the time of approval).  The annual percentage rate includes only interest and no other costs. These rates are valid for mortgages up to $250,000.00. For 1-4 family owner-occupied residential properties located in CT or RI. Maximum Loan-to-Value is 80%. Interest rates and APR are subject to change without notice. Rates last changed on date listed above. As of the date listed above, prime rate was 4.00%.  
No application fee.
1% prepayment penalty if paid within 3 years.
$50.00 Annual Service Fee Waived First year, due annually during the Borrowing or Draw period.
There may be certain charges assessed with opening the plan such as lawyer, recording, or appraisal fees. The total amount of said fees will range from $0.00 to $1,103.00. We may charge a fee for a Title Exam and/or Title Insurance. Title exam fee can range from $0.00 to $250.00. Title insurance fee will equal approximately $3.80(estimated) per $1,000 of coverage for amounts from $100,000 to $500,000 of coverage.
Not eligible for construction. Not available on leased land.
(1) Borrowing period means the period during which you can borrow money under this Agreement which is approximately 9 years and 10 months.
(2) Repayment Period means the 15 year period immediately following expiration of the Borrowing period. During the Repayment Period, you can no longer borrow money and will be required to repay outstanding principal and interest.
Other terms and conditions may apply.

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"CHAMP" - Creating Housing - Affordable Mortgage Program

Dime Bank is dedicated to meeting the housing needs of the low and moderate-income population in its community. Learn more about "CHAMP", our flexible loan program.

Go to CHAMP

One - Four Family / Non-Owner Occupied

Please contact any one of our convenient branches for current rates and terms.

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