1Rate 6.875% with an APR of 7.033% as of 5/20/2025 10:20 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount, and origination fee of $1,295 with 360 monthly payments in the amount of $1,577. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Before you go
Tom Keutmann
Home Lending Sales Manager NMLS ID: 406266
Danbury, CT 06811
I’m a mortgage expert with significant experience and in-depth industry knowledge.
Based in Danbury, Connecticut, I've been assisting clients with their home financing needs in the Northeast region for over 18 years. Throughout my career, I've had the privilege of helping thousands of clients reach their dream of home ownership. I approach each client as if they are my only client, giving them the personal attention and crafting individual solutions they need.
I have a wife and three children who keep us active in sports and the community in our free time. I also enjoy reading and outdoor activities that our wonderful area has to offer.
Contact me for assistance with your home purchase, refinance, renovation, and all of your mortgage needs. I'm here to help everyone with their home lending needs, and welcome all clients and referral partners from the first time homebuyer to the experienced real estate professional.
Mortgage Specialization
- FHA Government Loans
- First-Time Home Buyer Programs
- Fixed-Rate Mortgages
- Investment Property Loans
- Jumbo Loans
- Pre-Qualifications
- Second Homes
- VA Government Loans
Find the loan product that's right for you.
Are you looking to purchase a new property or refinance an existing one?
Today's Rate
| Mortgage | Rate | APR |
|---|---|---|
| 30-Year Fixed | 6.875% | 7.033% 1 |
| 15-Year Fixed | 6.000% | 6.235% 2 |
| FHA 30-Year Fixed | 6.000% | 6.876% 3 |
2Rate 6.000% with an APR of 6.235% as of 5/20/2025 10:20 AM EDT. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 20% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $2,025. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
3Rate 6.000% with an APR of 6.876% as of 5/20/2025 10:20 AM EDT. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 3.5% down payment, minimum borrower credit score of 740, estimated points of 1% of the loan amount, and origination fee of $1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $1,464. Payment amount does not include taxes and insurance, which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums, and other credit factors. Program terms available may vary based on the state and county in which the financed property is located. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors. All borrowers are subject to qualification, underwriting approval, and lender terms and conditions. Terms, conditions, and rates are subject to change without notice.
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Home Lending Sales Manager NMLS ID: 406266
Danbury, CT 06811
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