Fairfield County Bank and Ridgefield Bank,
a division of Fairfield County Bank, offer a complete menu of mortgage financing programs. Whether you are purchasing your first home or next home, building or refinancing, we can meet your specific needs. Be sure to ask about our pre-approval program. You can apply for a mortgage, home equity line of credit, personal loan or auto loan right from your computer.

Please note that Fairfield County Bank and Ridgefield Bank* offer financing on properties located throughout Connecticut and Northern Westchester County, New York.

Fixed Rate Mortgage Programs
Enjoy the security of a fixed interest rate on a fully amortized loan where the monthly payment remains the same for the life of the loan. This type of loan is ideal for borrowers who do not want the risk associated with changing mortgage payments. 

Adjustable Rate Mortgages (ARM)
This program allows borrowers to buy more home for their money, which can help reduce your monthly housing expenses.  With this type of loan, your interest rate and payment can change. ARMs typically have a lower initial interest rate than fixed rate mortgages. Interest-rate caps are provided on all ARM products for your protection.

Construction Mortgages
Build your dream home with one of our construction mortgage programs. Typically four disbursements are scheduled and interest-only payments are made during the twelve-month construction period.  Once completed, your loan will convert to a permanent ARM mortgage product.  Our construction loan experts will guide you through every step of the process. Plus, you’ll have one convenient closing, saving you substantial time, paperwork and money!

Jumbo Mortgages
Jumbo mortgages are available at fixed or variable interest rates, for customers requiring financing above Freddie Mac and Fannie Mae loan amounts (up to $3 million).

Building Lot Mortgages
We provide financing for the purchase of approved building lots.

Renovation Mortgages
A renovation loan provides financing for the purchase of a home along with any immediate renovations or improvements you wish to make. Or, you can finance the mortgage on your current home and borrow additional funds for your renovation project.

Investor Mortgages
Investor mortgages are available for one- to four-family homes, condos, and large commercial complexes.

FHA-Insured Mortgages
Federal Housing Authority (FHA) mortgages generally offer lower down payments plus flexible qualifying guidelines. You can obtain either a fixed-rate level payment plan or an adjustable rate mortgage.

VA Mortgages
Mortgages guaranteed by the Veterans Administration allow up to 100% financing. VA mortgages are available to eligible veterans and others who qualify.

CHFA Mortgages
The Connecticut Housing Finance Authority (CHFA) offers low rate mortgages to help low and moderate income residents purchase a home. Up to 100% financing of the mortgage and closing costs is available for eligible borrowers.

Bridge Loans
Bridge Loans offer interim financing between the sale of a present home and the purchase of a new one.

Reverse Mortgages for Seniors
This special program enables homeowners age 62 and older to tap into the equity in their homes. To learn more about Reverse Mortgages for Seniors, click here.

Home Equity Lines of Credit            Apply Online
Tap into the equity you have built in your home with our Home Equity Line of Credit. Enjoy the convenience of an instant cash reserve ready for virtually any financing purpose: home improvements, college tuition, major purchases (like a car or boat), and debt consolidation. Once you qualify, simply write a check for any amount up to your approved credit line limit. Plus, a home equity line of credit can provide a significant tax advantage - you may be able to deduct up to 100% of the interest from your taxes! Be sure to consult with your tax advisor regarding the deductibility of interest. 

Home Equity Loans
If you prefer the security of fixed monthly payments or have a one-time purchase or expense in mind, a Home Equity Loan may be the right solution for your needs. Fixed monthly payments for the life of your loan make it easier to plan your budget. And since the interest may be fully tax-deductible, you can save at tax-time too! Consult with your tax advisor regarding the deductibility of interest.

For more information about our Residential Mortgage Loan programs, call us at (203) 431-7550 or toll-free at 1-800-776-6518.  Or send us an e-mail.

*Ridgefield Bank is a division of Fairfield County Bank.

**Valid on lines of $50,000 to $500,000. Ask us for terms applicable to lines for other amounts. $25,000 minimum draw to a third party required at closing.  Automatic loan payment from a checking account maintained at Fairfield County Bank or Ridgefield Bank* required.  As of 7/12/06, the Annual Percentage Rate (APR) was 7.50%.  The APR will remain fixed during the 114-month term of the line.  Annual membership fee of $25 will be waived first year.  Offer available for Connecticut properties only. Hazard insurance is required. Early termination fee of $1,000 applies if line is closed within 2 years.

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