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Mortgage Loans

Home Personal Mortgages

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.

Contact a Residential Loan Officer to learn more

Your Home Loan Toolkit

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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.

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.

Learn more or start the Freddie Mac CreditSmart® Homebuyer U Course

Learn more or start the Framework Homeownership Course for Fannie Mae®

Equity Builder Program

Newburyport Bank has been selected to participate in 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. To learn more about the program and how to apply, contact one of our Residential Loan Officers.

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 up to a $500 lender credit to each eligible application

Servicemembers Civil Relief Act (SCRA)

The Servicemembers Civil Relief Act law was created to provide protections for servicemembers if legal or financial transactions adversely affect your rights during military or uniformed service. These protections enable servicemembers to devote their entire energy to the defense needs of the Nation.

Who is eligible:

  • Active-duty members of 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 Servicemembers Civil Relief Act can protect you and your family.

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

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.

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Home Equity

Speak to one of our experienced loan officers about interest rates and financing options.

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