Fixed & Variable Rate Mortgages

We want to help you meet your goal of buying a home. Our mortgage loan officers are available to help navigate the different types of mortgages, and have the local experience to make sure your mortgage is right for you.

• Local decision making and servicing
  
• First Time Home buyer 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

Pentucket Bank's First-Time Homebuyer Program is our 30 year fixed rate mortgage product with as little as 3% down. We offer .125% off the rate and up to $750.00 closing cost credit.*

Low to Moderate Income

Pentucket Bank's Low to Moderate Income Program is our 30 year fixed rate mortgage product with as little as 3% down. We offer .25% off the current rate and up to $1,000.00 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.