Mortgage Loans

a couple celebrating their new house

Your home should bring you happiness

Finding the right mortgage for your home can affect your home economy for years to come. That’s why we offer you a choice of home loans with a range of terms and all with competitive rates. You can apply online or meet with one of our experienced lenders who will help you decide which loan is best for you.
      • Competitive rates and closing costs
      • Get prequalified so sellers know you are a serious buyer. Prequalification
      • Work one-one-one with knowledgeable lenders who will assist you every step of the way
      • Refinancing options available
      • All mortgage loan decisions made locally. Meet Our Team 
Mortgage Options

Fixed-Rate Loans

  • Enjoy the comfort of having an interest rate that won't change
  • Stable monthly payments allow easier financial planning
  • Choose from a selection of terms

Adjustable-Rate Loans

  • Lower rates than fixed-rate options
  • Choose from a wide range of adjustable-rate products
  • Loan decisions made locally


  • A variation of our fixed-rate mortgages
  • Make payments every other week instead of once a month
  • Enjoy substantial interest savings over your mortgage term
  • Choose from a selection of terms

Construction Loans

  • Loans that cover building of a new home or expansion of a current home
  • Fixed-rate and adjustable-rate options
  • Funds released as each building phase takes place
  • Pay interest only on the amount of funds actually distributed
  • Easily converts to a permanent mortgage when construction is complete
  • One closing for both loans, for your convenience
  • Stop into any office to apply.

Mass Housing Partnership

  • First-Time Homebuyer Loans
  • Low down payment fixed-rate mortgage
  • No Mortgage Insurance required
  • Borrowers need to meet certain income and credit requirements
  • Stop into any office to apply.

Mass Housing Loans

  • Low and no down payment options
  • Homeowner Septic Repair and Get the Lead Out programs available
  • Borrowers need to meet certain guidelines to qualify, including income and credit requirements.