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Mortgage Loans

Home Personal Mortgages

Assistance with one of Life's Most Important Purchases

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.

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Purchasing a

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Special Home Loan Programs

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Building Your

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Purchasing a Home?

Our lenders will develop your ideal solution based on your financial situation and what types of programs you qualify for.

Fixed Rate & Adjustable Rate Mortgages

These two types of mortgages are considered more traditional, as they are the most widely known mortgage types. Fixed rate loans keep the same rate, while adjustable rate loan rates fluctuate over time based on market conditions.

Jumbo Loans

This is a loan that is over the conforming amount set by the government for specific areas of the country.

Contact a Residential Loan Officer to learn more

Special Home Loan Programs

First Time Homebuyers Program

We offer a discounted fee program for those who qualify by attending a first time homebuyer seminar.

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. 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 a $500 lender credit to each eligible application

FHLB Equity Builder Program

  • This program provides first time homebuyers up to $11,000 in down-payment and closing cost assistance.
  • Borrower Eligibility: individuals and households earning no more than 80 percent of the area median income, based on the address of the property being purchased; must complete a home-buyer counseling program.
  • Eligible properties include single-family, one to four-family homes and condominiums.
  • First come, first serve basis, may be subject to change without notice
  • We will apply a $500 lender credit to each eligible application.

Contact a Residential Loan Officer to learn more

Building Your Home?

Construction 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.

Contact a Residential Loan Officer to learn more

Mass Save HEAT Loan

The Mass Save HEAT Loan Program is a home loan option for energy efficient improvements to your home. With a Mass Save HEAT Loan, you have the opportunity to apply for a 0% interest rate loan through us.

With 0% financing, making energy efficient improvements to your home is now affordable. These energy efficient home improvements can be eligible for the HEAT Loan Program:

  • Attic, Wall, and Basement Insulation
  • High Efficiency Heating Systems
  • Central Air Conditioning/ Air Source Heat Pumps
  • Ductless Mini Split Heat Pumps
  • High Efficiency Domestic Hot Water Systems
  • Solar Hot Water Systems
  • 7-Day Digital & WiFi Thermostats
  • ENERGY STAR® Qualified Replacement Windows

To qualify, applicants must undergo a Mass Save audit to verify their eligibility, but you can start the loan application process with us any time. Visit the Mass Save website to learn more about the Mass Save HEAT Loan Program and for an outline of steps to take.


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