From First Time Homebuyer Programs, to Fixed and Adjustable Rate Mortgages, we have an option that’s sure to suit your needs.

Check out our current rates!

A Fixed Rate Mortgage allows you to lock in an interest rate for the entire term of your loan. It’s an attractive option for a long-term borrower, since your monthly payments won’t fluctuate.

Our Adjustable Rate Mortgages (ARM) have interest rates that change with the 1-Year Treasury Rate. This means your monthly payment may vary after the initial fixed period. However, an ARM generally offers a lower rate than a Fixed Rate Mortgage, making it an attractive option for customers.

Let us help you build the home of your dreams. A Home Construction Loan provides you funds for the construction phase, then converts to a permanent mortgage on the completed home. And, a single application for both the construction and the permanent mortgage makes the process simple.

Use this loan to purchase the land you’d like to eventually build on. Our special Land Loan offers a very low down-payment option, allowing you to buy now and build later. And, the payments start small, which keeps your costs manageable.

If you’d like to move from renter to homeowner, we’d like to help. We offer Down Payment Assistance, which can include your down payment and your closing costs, to qualified low to moderate-income borrowers. Let us help you find out if you qualify.

If you’re new at buying a home, don’t worry – we’re not! We’ll walk you through the process and help make it easy for you. And, we’ll even pay your property appraisal fee (a $275 value). Plus, we offer up to 97% financing for qualified buyers, and don’t require PMI (Private Mortgage Insurance), which helps keep your payments manageable.

By partnering with MassHousing, we can offer up to 100% financing of mortgages to qualified municipal employees who want to purchase a home in the community where they work. And, the low rates allow municipal employees to purchase a more expensive home than might otherwise have been possible. Ask us for details.

A Soft Second Mortgage helps low and moderate-income homebuyers to purchase their first home. It combines a conventional “first” Mortgage with a subsidized “second” Mortgage. A government subsidy pays a portion of the borrower’s “second” Mortgage interest payment. And, splitting the total Mortgage amount allows the borrower to avoid the additional expense of PMI (Private Mortgage Insurance).

Let us help you choose the Mortgage that best suits your needs.

Contact a Mortgage Lender today!