Simple Mortgage Solutions

Buying a home is a milestone that we celebrate with home buyers. There are many reasons we’re the leading lender with new mortgages, we offer the lowest rates combined with a personal experience. Apply online today!

new home mortgage

Rates Effective June 23rd, 2024

Fixed Rate Mortgage

If you expect to stay in your home for a significant length of time, and you want the security of a predictable payment, our Fixed Rate Mortgage program is the perfect solution. The rate is fixed for the life of the loan, and we offer convenient terms.

  • Qualifying properties include 1-4 family owner-occupied dwellings (including condominiums) located in the states of Connecticut and Rhode Island.
  • Rate lock-in available.
  • Maximum loan amounts vary for single, two, three, and four-family dwellings.
  • $100 credit towards closing costs for Gold Rewards members for a New mortgage.
  • Special rates are available for Jumbo Mortgages.

Adjustable Rate Mortgage

An Adjustable Rate Mortgage (ARM) has a lower interest rate at the beginning of the mortgage, which changes over time based on an index. There are many types of adjustable rate mortgages and the terms of the payment change are based on the specifics of the adjustable rate mortgage product you select.

  • 1/1, 3/1, 5/1, 7/1, and 10/1 ARM terms available.
  • Rate lock-in available.
  • Rate cap 2% – annually and 6% – over the life of the loan. This means the rate can only increase 2% per year and a total of 6% over the life of the loan.
  • Qualifying properties include 1-4 family owner-occupied dwellings (including condominiums) located in the states of Connecticut and Rhode Island.
  • $100 credit towards closing costs for Gold Rewards members for a New mortgage.

Investment Mortgage

Charter Oak offers loans for those interested in buying or refinancing investment properties, including one- to four-unit residential dwellings located in the states of Connecticut and Rhode Island.

  • Fixed rate mortgages
  • 10 year, 15 year or 15 year Balloon with a 25 year amortization
  • Rate lock-in available
  • $25 Rebate for new loans with automatic payments from a Charter Oak Account
  • $100 credit towards closing costs for Gold Rewards members.

CHFA Mortgages

CHFA Mortgages are unique to Connecticut and made available through the Connecticut Housing Finance Authority (CHFA). Borrowers benefit from low interest rates, an easy lending process and low and no down payment options for qualified borrowers. Eligible borrowers must fit CHFA’s criteria in order to participate in the program, including loan and income limits.

  • Available to eligible first time homebuyers and individuals interested in purchasing a home in areas targeted for revitalization.
  • Low and no down payment options.
  • Down Payment Assistance Program (DAP) available for qualified applicants, including closing cost assistance.
  • $100 credit towards closing costs for Gold Rewards members for a New mortgage.

*APR = Annual Percentage Rate which is based on a $200,000 loan amount
All rates listed are subject to change without notice
Homeowners Insurance is required
A non-refundable origination fee of $475 is required
Charter Oak requires escrow for taxes and if applicable, flood insurance

Meet Our Originators

Sharon DiMarco
Sharon DiMarcoMortgage Originator
Email: 
Office: 860-446-3565
Fax: 860-446-3039
NMLS #807736
Ann Gauthier
Ann GauthierMortgage Originator
Email: 
Office: 860-446-3550
Fax: 860-446-3040
NMLS #807624
Susan Shepherd
Susan ShepherdMortgage Originator
Email: 
Office: 860-446-3470
Fax: 860-446-3038
NMLS #15701

Mortgage Loan Originator

NMLS Number

Marina Abbot 2591778
Sarah Ann Abramek 2508440
Vicki Apicelli 2091415
Michael Ballirano 1539883
Lisa Barrette 1543396
Ashley Barstow 2360849
Ashlee Morgan Beckwith 2596148
Andrea Black 2351240
Michael Branch 1627542
Eunice Brooks 1545760
Laurie Jean Cerbo 1835628
Atalya Lee Champalath 2349767
Su (Daisy) Chen 2309866
Jesse Colella 2347376
Samantha R D’Anna 2570287
Matthew David Sylvestre 2593857
Jessica A Dell 2591549
Holly DePerry 648984
Sharon DiMarco 807736
Keiko Dinwoodie 1543391
John Dolan 807615
Aaron Domingo 1627181
Andrew Fitch 1539888
Karen Lynn Gagnon 1035309
Amelia Gallardo 1539875
Ann Gauthier 807624
Shannon M Gendreau 2445298
Kayla Godin 1539876
Barbara Hall 807619
Ellen Haluga 2309864
Melissa Hendrickson 1263551
Kaylene N Hersey 2445299
Debra Hill 740192
Sara J Holliday 2448820
James Ilch 935571
Jessica Izzarelli 1545759
Jeffrey A Kenniston 2591550
Alyssa Rose LeBlanc 2471282
Erin Leite 1809985
Kaitlyn Lent 2545739
Justin Loiselle 1778646
Nicole Matos 1546935
Barbara Ferrari Meliso 1001985
Jonathan Aguirre Mendoza 2582568
Patricia Mehlenbacher 1539870
Kelsey E Michon 2591552
Shawna Milne 2551120
Erin Nievera 1314281
Lyndsey O’Brien 1543387
Jansie Ortiz 2448677
Virgen Pettini 1539869
Laura Jean Pringal 1246058
Sheldon Reid 2596147
Christina L Rommal 2567955
Meagan Rondeau 1224214
Neil Russell 1649628
Lauren Russi 2313525
Lorenzina Secchiaroli 2591777
Susan Shepherd 15701
Julieta Sherman 1545758
Deborah Snajczuk 807622
Christine Surdo 2448644
Namie Tedford 1539873
Garrett A Tessier 2591551
Rebecca Thompson 2360846
Jeannettia Varner 1543392
Dashawn Vassell 1925048
John Vincent 1539887
Yvonne Sanchez Walsh 1543394
Rhonda Wetzel 1533248
April Williams 1545761
Kari Woods 2567954
Yan Jane Zhan 1742350

Have questions?

Our team of mortgage specialists are here to help you every step of the way.
Local: 860.446.3047 | Toll Free: 800.962.3237 ext 3047

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