Mortgage Loans CT | New Home Loan Rates | Ion Bank
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Homemade mortgages just for you.

Dreaming of your first or next home? Ion Bank has the financing options to make your dreams a reality! Consider our lending programs when it’s time to purchase a house, build a new property, refinance an existing mortgage or use equity for home renovations or debt consolidation.

Fixed Rate Mortgages

Fixed rate mortgages provide homebuyers with stability as payments only change when taxes or insurance premiums do. Conventional programs are the most common but if you’re looking to pay the loan off quicker, consider one of Ion Bank’s shorter term mortgages.

If you’re thinking about borrowing an above average amount, consider applying for a jumbo mortgage, available as a fixed rate program.

Adjustable Rate Mortgages

Adjustable rate mortgages offer the benefit of lower initial interest, which can be ideal for first-time homebuyers, those looking to sell a home before it’s paid off or borrowers getting ready for a growing income stream. Lower monthly principal and interest payments may allow a borrower to qualify for a larger mortgage amount.

Depending on financial needs, borrowers have the option for fixed initial interest for select years. After this point, the rates then start to adjust.

First-Time Homebuyers and Government Sponsored Loan Programs


Our loan programs take the unique needs of first-time homebuyers into account. These loans for first-time homebuyers in Connecticut and New Jersey offer financing with lower interest and down payments, refundable appraisal fees at closing, and other special programs. Have a look at these loans for first-time homebuyers.


This financing program offers fixed rate mortgages with below market interest rates to low-to-moderate income families and individuals in CT.

Smart Move CT

This program helps income-eligible first-time homebuyers to purchase a home by replacing a down payment with a below-market interest financing, low-interest down payment options and refundable appraisal fees at closing.

Construction Financing

One Step Construction mortgages require just one closing step for borrowers looking to fund new home construction. Rates and term vary with each loan type.

How to Apply

Apply online, visit one of our branch locations or schedule an appointment with a mortgage lender. If you complete an online application, one of our experienced mortgage representatives will contact you after reviewing your application.

If you can’t make it to one of our locations, a mortgage lender can meet with you at your convenience. Set up an appointment by calling Marco Cabral, NMLS # 786748 at 203.560.3526, Diane M. Dornfried, NMLS # 61461 at 860.690.8361 or Shaun Slight, NMLS # 1661639 at 203.525.7763 or Cherilyn Spatola, NMLS # 705349 at 860.996.8845.

Meet Our Lenders

Take a minute and get to know the team helping to secure your loan.

Current Rates

Competitive mortgage loan rates and personalized customer service.

Loan Calculator

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