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.
The Newburyport Bank Difference
- Easier-to-qualify-for mortgages. We offer programs for first-time homebuyers, fixed and adjustable rate mortgages, construction to permanent, and other loans to help make the home you want possible and affordable.
- Competitive mortgage rates. As a mutual bank without stockholders, we offer competitive rates to help you lower your monthly payments.
- Local servicing. We retain the servicing of our conventional loans, so you can count on us to be there to help you even after you close on your loan.
- Expert assistance from local lenders. Our trusted team of experienced loan officers live in your community and will help you find the right loan and guide you every step of the way.
- Easy application. Apply where you're most comfortable - online, in person, or by phone.
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 Homebuyer Program
Receive discounted closing costs if you qualify and attend a home-buying seminar.
Learn more or start the Freddie Mac CreditSmart® Homebuyer U Course
Learn more or start the Framework Homeownership Course for Fannie Mae®
Mortgages and Programs for Service Members
We also offer other programs for active service members, veterans, and eligible family members.
VA Loans
These loans are offered to active service members, veterans for our armed forces and eligible family members through a partnership with the Veterans Administration.1 Contact a lender to learn more.
Benefits of these loans include:
- Competitive loan rates
- A portion of each loan is guaranteed
- Down payments and private mortgage insurance is often not required
- We will apply up to a $500 lender credit to each eligible application
1The bank does not retain servicing of VA loans
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.
Apply for a Preapproval
It's free and can help you gain a powerful negotiating advantage with sellers.
Building Your Home?
Construction to Permanent Loans
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.
Apply Today
Your home may be the solution for your cash needs. Our team can help you find out.
Online Services
Financial freedom isn't just about having enough money, but being in control. Online and mobile banking provides 24/7 access to your accounts and the tools to help you manage your money on your terms. Bank anytime.
Learn More
Home Equity
Speak to one of our experienced loan officers about interest rates and financing options.
Learn More