With a home loan from Pentucket Bank, your loan stays where you live. Whether you’re buying a new house or refinancing your current home, every part of the
process is done locally, because home is where the heart is. Our mortgage loan experts will be with you every step of the way—and long after you move in,
since our home loans stay home.
process is done locally, because home is where the heart is. Our mortgage loan experts will be with you every step of the way—and long after you move in,
since our home loans stay home.
Fixed & Variable Rate Mortgages
To meet your goal of buying a home, it’s important to know which mortgage is right for you. We’ll go over the different loan types, from first-time homebuyer
to investment property financing, and help you decide on a solution that fits your needs today and in your future.
to investment property financing, and help you decide on a solution that fits your needs today and in your future.
- Local decision-making and servicing
- First Time Homebuyer and Affordable programs available
- Primary Residence, Second Homes, Jumbo and Investment Property financing
To calculate an estimate of how much home you can afford try our Mortgage Calculators.
Affordable Homebuyer Programs
First-Time Homebuyer Program
Enjoy plenty of support for your first home purchase including a 30-year fixed-rate mortgage with as little as 3% down, 0.125% off the rate, and up to $750 closing cost credit.*
Low to Moderate Income
Supporting you is what we do. Put as little as 3% down on this 30-year fixed-rate
mortgage product. We offer .25% off the current rate and up to $1,000 closing
cost credit.**
mortgage product. We offer .25% off the current rate and up to $1,000 closing
cost credit.**
Home Mortgage Disclosure Act Notice
The HMDA data about our residential mortgage lending are available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau's website (www.consumerfinance.gov/hmda).
*For qualified first time homebuyers only, subject to credit approval. Receive up to $750 credit toward closing costs, applied at closing. Interest Rate, APR and discount point shown are subject to change without notice and based on $180,000.00. Rates are based on single family and condominium, owner-occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans and with a loan-to-value ratio greater than 80%. There is a maximum loan amount of $647,200. Estimated payments do not include amounts for property taxes, property insurance and/or flood insurance; if applicable, the actual payment obligation will be higher. An escrow account may be required.
**For qualified low to moderate homebuyers only, subject to credit approval. Receive up to a $1,000 discount toward closing costs, applied at closing. Interest Rate, APR and discount point are subject to change without notice and based on $180,000.00. Rates are based on single-family and condominium, owner occupied dwellings. Private Mortgage Insurance (PMI) is required on all loans with a loan-to-value ratio greater than 80%. There is a maximum loan amount of $647,200. Estimated payments do not include amounts for property taxes, property insurance, hazard insurance and/or flood insurance; if applicable, the actual payment obligation will be higher. An escrow account may be required.