Home Loans
We listen, and it makes a difference. Our locally focused team of lenders and private bankers are here to invest their time in developing a great solution for you.
Residential Lending Mortgage Special
Special Savings on 30-Year Fixed Conventional & Jumbo Mortgages
Limited-Time Home Financing Offer
Home Loan Options for Your Needs
Mortgage
Refinance
Home Equity Loans & Lines of Credit
Our community has been relying on NESB residential lending for over a century. Most recently, our clients have leveraged the equity in their homes for renovations like an updated kitchen or adding a home office, large purchases like a boat or an RV, and also to simply consolidate debt to lower monthly payments.
Specialty Lending Programs
Borrow the money you need for interior and exterior renovations to your property. We want to partner with you on this fast closing, impactful financial option.
Residential Lending Solutions
From first-time homebuyers to seasoned owners seeking bespoke solutions, our team of local experts are here to listen, assess your needs, and help you design a solution that works best for you.
Frequently Asked Questions
North Easton Savings Bank offers a variety of mortgage options designed to meet the needs of first-time homebuyers, repeat homebuyers, and homeowners looking for refinance.
Our mortgage programs include: Conventional Fixed-Rate Mortgages, Adjustable-Rate Mortgages, a First-Time Homebuyer Program, a Down Payment Assistance Program, MassHousing Loans, Jumbo Mortgages (up to $2,000,000), Bridge Loans, Second Home Loans, Investment Property Loans, Construction-to-Permanent Loans, Custom and Spec-Build Loans, and specialized programs for local heroes (teachers, nurses, first responders, and veterans).
Yes. Our First-Time Homebuyer Program provides advanced resources, low down payment options, and affordable lending options to help first time buyers navigate the financing process with confidence.
The amount of home you can afford depends on your income, existing debt, down payment, credit history, and current interest rates. Our mortgage team can help you determine a comfortable budget and explore your financing options.
You can also get a quick estimate using NESB's free online Mortgage Calculator, which factors in your income, debt, down payment, and current fees.
Down payment options include NESB's Down Payment Assistance Program, which provides qualified borrowers up to $25,000 toward down payment assistance plus potential closing cost support, and MassHousing Loans, which offer low down payment options for low- to moderate-income first-time buyers. Exact minimum down payment percentages and requirements depend on the mortgage program and your qualifications. Our lenders can help you determine the best fit.
Applicants are typically asked to provide income documentation (pay stubs, W-2s), tax returns, employment information, asset statements, and details about the property being financed.
Processing times may vary depending on the loan type and individual circumstances. Our team works closely with borrowers throughout the process to help keep applications moving efficiently. If you're refinancing, our 4-step Refinancing Process walks through what to expect along the way.
Refinancing may make sense if you want to lower your monthly payment or interest rate, shorten your loan term, pay off your home faster, or tap into your home's equity for renovations or debt consolidation. NESB offers Fixed-Rate, Adjustable-Rate, Jumbo, and Cash-Out refinance options. Learn more about refinancing here.
Yes, if rates have improved since you bought your home, refinancing may reduce your interest rate and monthly payment. Refinancing can also help by switching loan types, adjusting your term, or tapping into your equity.
General refinance closing costs vary by loan amount, property type, and lender fees. One of our mortgage specialists can review your exact costs and savings. Separately, if you're refinancing your first mortgage with a lender other than NESB, a $200 subordination review fee applies to process the subordination request (processing takes up to 10 business days).
Yes. You can apply for a mortgage with NESB online and work with our lending team throughout your home financing journey.
Pre-qualification provides an estimate of how much you may be able to borrow based on the information you provide. Pre-approval involves a more detailed review of your finances and can strengthen your offer when purchasing a home.
Yes. You'll work with one of NESB's local loan officers who provide personalized service and local decision-making advice to help guide you through every step of the home financing process.
Credit requirements vary by loan program. Our mortgage specialists can review your current financial situation and help identify mortgage options that may be available to you. Schedule a conversation with us.
Yes. A mortgage pre-approval can help you understand your purchasing power and demonstrate to sellers that you are a qualified and serious buyer!
Meet The Team of Local Lenders
Get in Touch with Our Local Team
Do you have questions about our Home Loans? Fill out the form to connect with us.