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Mortgage Lenders

Whether you are considering shopping for your first home, buying a new home or refinancing an existing mortgage, we are here to help.

NEW! Request an appointment online to meet with a Mortgage Lender at the office nearest you.



Mortgage Loan Programs

Unlock your potential with the right financing for you. We know borrowing money can be stressful, so bankHometown makes it easy to compare terms and find a loan that helps make the homebuying process simple and stress-free.

First-Time Homebuyer Program

As a first-time homebuyer, you may qualify for advantages such as reduced closing costs, a low down payment, zero points and flexible qualifying guidelines. Products are available for 1 -4 family homes and condos. Let's explore your options together and find the financing solution that can make your plans possible.

  • Reduced closing costs
  • Low down payment
  • Flexible qualifying guidelines
  • Zero point options available

Fixed-Rate Mortgages

If you're a prospective homebuyer who would be more comfortable with a set monthly payment for the term of your loan, lock in a fixed rate for your home financing.

  • Consistent mortgage payments
  • Flexible terms
  • Zero point options available

Adjustable-Rate Mortgages

An adjustable-rate mortgage (ARM) usually starts at a lower rate than a fixed-rate loan, which translates to a lower payment for greater purchasing power. This introductory fixed-rate period is then followed by rate fluctuations based on a predetermined margin and a defined index. Interest rate changes are limited, or capped, at each adjustment and for the life of the loan. For more information, contact one of our Mortgage Lenders.

  • Start with lower payments that will adjust to market conditions at a future specified date
  • Periodic and lifetime caps are provided to protect you from market fluctuations
  • Flexible terms
  • Zero point options available

Construction Loans

Planning on building a new home? Our construction loan offers special benefits, flexible terms and competitive interest rates to help make your payments affordable while the home is being built and after you move in.  Upon completion of the project, the loan will convert to a fully amortizing mortgage - without the need of a second closing.

  • One closing
  • Adjustable rates
  • Flexible terms
  • Zero point options available

Flexible Mortgage Programs

Homeownership is part of the American dream. bankHometown offers a variety of mortgage programs to help make the path to home ownership possible for qualified applicants.


MassHousing Affordable Mortgage Program

We’re proud to partner with MassHousing to help qualifying borrowers realize the dream of owning their own home.* MassHousing offers easy-to-understand, fixed-rate mortgages as well as special programs for first-time buyers and military families who are purchasing an owner occupied, 1- to 4-family home or condominium.

  • Down payment assistance is available to qualified borrowers.
  • Financing for both the purchase of a home and renovation costs, with a single monthly mortgage payment.
  • Discounted mortgage insurance premiums for income-eligible borrowers that include MI Plus payment protection at no additional cost: If the buyer loses their job, MassHousing may cover principal and interest for up to 6 months (up to $2000 per month).
  • First-time buyers may also receive low and no-down payment options along with educational resources and access to certified home buyer education providers.
  • Special programs are available for active duty military, veterans, reservists, National Guard, and Gold Star Family members, as well as for first-time buyers in one of 26 gateway cities.


*Subject to Mass Housing Mortgage Guidelines. Income limits and down payment assistance vary by community.

Affordable Housing Program

Our Affordable Housing Program features a 7/3 adjustable-rate mortgage that starts out with a low fixed rate for seven years, which is then adjustable every three years thereafter. What’s more, the program requires as little as 3% down*. 

In general, adjustable-rate mortgages are a good choice if you:

  • Plan to move or sell your house before the end of the fixed-rate period, so you aren’t concerned about possible rate increases.
  • Want an initially lower starting rate and monthly payment than a fixed-rate mortgage typically offers.
  • Believe that interest rates may decrease in the future.

*Click on View Rates for more information.

Equity Builder Program/Housing Our Workforce Program

bankHometown is participating in the 2022 Federal Home Loan Bank of Boston’s Equity Builder Program (EBP) and Housing Our Workforce (HOW) programs. These programs provide grants through approved lenders that assist qualified applicants with certain costs associated with buying a home.

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First-time homebuyer?

Buying your first home is a big step. Let us work with you to help make your homebuying plans a reality. 

Contact a Lender