Mortgages

Mortgage loans that make you feel at home

Our home loan options, guided by a team that knows the local communities and their markets inside and out, are designed to make the process feel clear, comfortable, and tailored to your goals.

Meet our lenders

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Start Your Homebuying Journey with Confidence

Your Home Loan Toolkit is a step-by-step guide to help you understand the mortgage process and make informed decisions. From budgeting and comparing loan options to preparing for closing, it includes helpful tips and checklists every step of the way.

Download the toolkit

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Home loans and mortgage programs

We offer a range of home loan options for first-time buyers, custom home construction, and homeowners ready to upgrade. At Newburyport Bank, you can find a mortgage to support any stage of homeownership.

Fixed and Adjustable-Rate Mortgages

A mortgage loan shaped around your needs. At Newburyport Bank we offer personalized guidance for primary residences, second homes, and more.

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Home Equity Flex Line of Credit

Use the equity you’ve built, your way. Access funds as needed, make interest-only payments during the draw period, and lock in fixed rates when you want added stability.

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First-Time Homebuyers

From renter to homeowner, with support built in. Flexible programs that can make monthly payments more manageable as you step into your first home.

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40-Year Mortgage

Explore our 40-year fixed-rate mortgage — designed to make homeownership more accessible for first-time buyers in the Seacoast market.

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Construction-to-Permanent

Financing the construction of a new home doesn’t have to be hard. We keep it simple with one-time closing construction loans requiring “interest only” payments during construction. Once the home is finished, your loan is converted to an amortizing mortgage, but without the need to close again.

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Home Improvement Second Mortgage

One-time closing construction loans with interest-only payments during construction that convert seamlessly to a permanent mortgage.

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Down Payment and Closing Cost Assistance Programs

You may qualify for help with a down payment and closing costs. Income-eligible buyers may qualify for assistance through programs such as Federal Home Loan Bank of Boston’s Equity Builder Program, HOW and LiftUp Homeownership.

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