Mortgages

Newburyport Bank Has a Loan to Make You Feel at Home.

Buying a home is one of the biggest financial moves you may make in your lifetime. Take along a local, trusted mortgage lender who can help make your home-buying journey easy and comfortable. Whether it's a first-time homebuyer loan, a home equity loan, or more, we can help make your homeownership dreams become a reality. 

Meet Our Experienced Team of Loan Officers

Assistance with one of Life's Most Important Financial Decisions

Your home is an incredibly important – and expensive – investment. It takes the combination of flexible mortgage and home loan products and lenders willing to go the extra mile to create a great experience from start to finish.

We happen to have both.

We Make It Easy to Own Your First Home

As a portfolio lender, we offer a wide array of flexible mortgage programs to help you open the door to the home you want.

First-Time Homebuyers

From renter to homeowner, now's your moment

If you’re a first-time homebuyer, you may qualify for Newburyport Bank’s 40-year mortgage. This special loan program extends your monthly payments over 40 years, making homeownership easier and more affordable than with other programs. As a community bank, we believe everyone deserves the opportunity to journey well into their first home.

Explore our 40-Year Mortgage

The Flexibility You Want. The Stability You Need.

With Newburyport Bank’s Home Equity Flex Line of Credit, you can enjoy the best of both worlds: lock in a low fixed rate on part of your balance while keeping the rest flexible at a competitive variable rate — all with just one simple application.

• No closing costs or application fee; fix a portion or all of your credit line
• A variable rate of WSJ% APY Prime Minus .50%
• Fixed Flex Rates

Home Equity Flex Line of Credit

Mortgages and Programs for Service Members

We also offer other programs for active service members, veterans, and eligible family members. 

Service Members Civil Relief Act (SCRA)

The Service Members Civil Relief Act was created to protect service members if legal or financial transactions adversely affect their rights during military or uniformed service. These protections enable service members to devote their entire energy to the nation's defense needs.

Who is eligible:

• Active-duty members of the Army, Marine Corps, Navy, Air Force, and Coast Guard¹
• Members of the Reserve, when serving on active duty
• Members of the National Guard mobilized under federal orders for more than 30 days
• Active-duty commissioned officers of the Public Health Service or National Oceanic and Atmospheric Administration

Contact a Newburyport Bank Loan Officer or click here to learn more about how the Service Members Civil Relief Act can protect you and your family.

¹Military members must provide proof of active orders to the bank.

equity builder program

Newburyport Bank has also been selected to participate in the Federal Home Loan Bank of Boston's Equity Builder Program, which assists local, income-eligible homebuyers with down payment and closing costs as well as homebuyer counseling and rehabilitation assistance.