Home Mortgage Loans
Offering a range of loan programs designed for borrowers of all income levels and home buying aspirations.
Home Mortgage Benefits
Get the confidence of a local lending partner and the flexibility to choose a loan that fits your goals.
Local Team of Lenders
Work one-on-one with a local lender who will explain your options clearly and guide you through the process from application to closing.
Low Down Payment Options Available
Explore loan programs designed to help you buy a home sooner, even when a 20% down payment isn’t an option.
Flexible Financing for Unique Scenarios
From bridge loans to construction and investment properties, we offer solutions built around your specific buying situation.
Programs for New & Experienced Buyers
Whether it’s your first home or your next one, we’ll match you with lending options that fit your goals and timeline.
Find the Right Lending Solution
Whether you’re buying your first home or financing your next one, our mortgage team can help you explore the best option for your unique scenario.
Conventional Fixed-Rate Mortgage
A stable rate and consistent monthly payment for the life of the loan.
- Best for: Buyers who want predictable payments
Adjustable-Rate Mortgage
A rate that may change over time, often starting lower than fixed options.
- Best for: Buyers seeking a lower initial rate
First-Time Homebuyer Program
Resources and loan options designed to make the first purchase more approachable.
- Best for: First-time buyers
Down Payment Assistance Program
Qualified borrowers may receive up to $25,000 toward down payment assistance, plus potential closing cost support.
- Best for: Buyers needing help with upfront costs
MassHousing Loans
Affordable loan programs with low down payment options and flexible eligibility criteria.
- Best for: Low to moderate income first-time buyers
Specialized Programs for Local Heroes
Programs that may offer discounted rates, lower closing costs, or down payment assistance.
- Best for: Teachers, nurses, first responders, veterans
Jumbo Mortgage
Flexible options with loans up to $2,000,000.
- Best for: Higher-priced homes and experienced buyers
Bridge Loan
Short-term financing that helps you buy a new home while your current home is still on the market.
- Best for: Buyers purchasing before selling
Second Home Loan
Financing for a second residence that fits your lifestyle plans.
- Best for: Vacation/seasonal properties
Investment Property Loan
Mortgage options for properties intended to generate income
- Best for: Rental or income properties
Construction-to-Permanent Loan
Combines construction financing and long-term mortgage into one streamlined loan.
- Best for: Building or major renovations
Custom and Spec-Build Loans
Funding solutions designed for residential construction and development projects.
- Best for: Individuals creating a custom built property
Our Speciality Programs
First-Time Homebuyers Program
Buying your first home can be intimidating — that’s why North Easton Savings Bank is here to assist you in making one of the biggest purchases of your life. With advanced resources, low down payment options and affordable lending options, the team of experts will help you navigate through your first-time home buying process.
Down Payment Assistance Program
The Bank has allocated its own funds to the Down Payment Assistance Program to provide qualified borrowers down payment assistance towards purchasing a home. Borrowers may also benefit from lender-paid closing costs or a closing cost credit depending on their income levels and correlating credit score.
Accessory Dwelling Unit (ADU)
An Accessory Dwelling Unit is a secondary residential living space located on the same lot as a single-family home or within an existing primary residence. ADUs can be a smart way to add flexible living space for family members, generate rental income, or increase property value.
Meet The Team of Local Lenders
Calculators for Every Financial Goal
Get in Touch with Our Local Team
Do you have questions about our home mortgages? Fill out the form to connect with us.