Designed for the borrower who has not owned a home in the last three years, this program offers lower down payment requirements

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GSB's First-Time Homebuyer Program


Our personalized approach helps you get approved quickly for a mortgage that covers up to 95% of the value of the home. Combined with a biweekly payment option, this is a popular mortgage plan that helps first-time homebuyers pay off their mortgage quickly and efficiently.


Benefits that make a difference.


  • Low, competitive mortgage rates PLUS a special offer to get you started
  • An experienced mortgage team voted Zip06's Best Mortgage Bank 2020
  • Fast funds access to finance your purchase
  • Flexible payment plans
  • Dedicated Loan Officer

Dedicated loan officers. The GSB difference. Not only is this your first time buying a home, but it's also the most competitive housing market Connecticut has ever seen! We know it's a competitive market out there. That's why you'll get a single, dedicated GSB Loan Officer to manage every step of your homebuying process - from getting prequalified, straight through to closing. Now that's something even the bigger banks can't promise. Call, email, or drop in to get started.




Disclosure :

*$12,454.00 savings based on 0.125% off Annual Percentage Rate (APR) discount, as advertised on our Rate Page, with automatic deduction (ACH) from an Access, Preferred Access or Prime Access checking account PLUS approval for the First Time Home Buyer’s additional rate discount of 0.125%. Fixed Rate Mortgage required. Example based on a 30-year, fixed rate mortgage with a $250,000 loan amount after a 20% down payment. A typical monthly payment amount of $1,089.00 (excluding taxes and insurance) at an APR of 3.259% - as of July 1, 2021. All loans and lines of credit subject to credit approval. Offer can be withdrawn at any time. Valid for qualifying fixed residential First Time Home Buyer first mortgages only. Subject to credit and property approval. When applying online the promo code must be entered during the final step of your online 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. Valid only on mortgages applied for directly with GSB beginning July 1, 2021 and ending July 31, 2021. Applicants who have applied for loans with GSB prior to July 1, 2021 are ineligible for this offer. Rate discounts applied at time of application.

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