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Refinance Your Home Mortgage
A refinance gives you the opportunity to adjust your loan in ways that support your budget, priorities, and long-term plans.
The Benefits of Refinancing Your Home
Refinancing is not one-size-fits-all. When it makes sense, it can help you improve cash flow, build a stronger financial plan, or simplify your budget.
Lower Your Monthly Payment & Interest Rate
If rates have improved since you bought your home, refinancing may reduce your interest rate and your payment to help free up monthly cash flow.
Switch Loan Types
Move from an adjustable-rate mortgage to a fixed-rate mortgage for more predictability, or explore an adjustable rate if it fits your timeline.
Pay Off Your Home Faster
Shortening your loan term may increase your payment, but it can reduce the total interest paid over the life of the loan.
Tap Into Your Home’s Equity
Use the value you’ve built in your home to support major goals like renovations, debt consolidation, or other planned expenses.
Local Team of Lending Experts
Work one-on-one with a local lender who will explain your options clearly and guide you through the process from application to closing.
Refinancing Options
- Fixed-Rate Refinance
- Adjustable-Rate Refinance
- Jumbo Refinance (for higher loan amounts)
- Cash-Out Refinance (if eligible and appropriate)
Is Refinancing Right For You?
Refinancing may be a good fit if you plan to stay in your home long enough to benefit from the savings, or if a new loan structure better supports your financial goals. The best way to find out is to speak with a lender for a quick review.
The Refinancing Process
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Quick Conversation: Discuss your goals, current mortgage, and what you’re hoping to improve
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Review Your Options: Our team will compare rates, terms, and closing costs so you can make a confident decision
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Submit Your Application: Apply online or work directly with a loan officer to complete the process
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Close: Once approved, our team will finalize your new loan and help ensure the transition is smooth
Meet The Team of Local Lenders
At North Easton Savings Bank, we take a partnership approach to refinancing. Our team of local experts is here to listen, assess your needs, and help design a solution that works specifically for you.
Upgrade to Your Local Partner
When you refinance with North Easton Savings Bank, you get more than a rate. You get a local team that’s invested in your long-term success and will help you choose a solution that fits your life today and your plans for tomorrow.
Get in Touch with Our Local Team
Do you have questions about refinancing? Fill out the form to connect with us.
Subordination Agreements
If you are not refinancing your first mortgage with NESB we require a $200 fee to review and approve the subordination request. Requests must be submitted by the mortgage lender requiring subordination.
- Lenders must send the completed Subordination Package and The Subordination Request Checklist along with the check for the Subordination Fee to:
North Easton Savings Bank
20 Eastman Street
South Easton, MA 02375
Attn; Subordination request dept. OR - Complete package can be emailed to: subordinationrequests@northeastonsavingsbank.com
- Allow up to 10 days for the processing of all subordination requests. If all documentation and verification is not completed or if there are changes to the information provided, more time will be required to process your request. Subordination approvals are valid for 60 days.
- An approved and executed Subordination Agreement can be sent by NESB via UPS or Fed Ex with a prepaid shipping label.
- Notification of decision and a copy of approved subordination will be emailed to lender.
Please email subordinationrequests@northeastonsavingsbank.com with all questions and concerns.