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Home Loans

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Home Loans

When it comes to buying a home or refinancing, there are many different options to choose from. How do you find the loan that's best for you? That's where we come in—we’ll listen to your needs and work with you to find the home loan option that’s just right for you. Let’s get started!

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Fixed Rate Home Mortgages

With a fixed rate mortgage, you'll enjoy predictable payments for the life of the loan, as well as a low down payment and choice of terms.

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Adjustable Rate Home Mortgages

Adjustable Rate Mortgages may offer a lower initial interest rate and monthly payment. Annual and lifetime caps protect you from extreme rate increases.

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Jumbo Home Mortgages

If you're looking for a larger loan amount, our Jumbo Home Mortgages or non-conforming loans are available for you.

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First-Time Homebuyer Mortgages

We understand first-time homebuyers often need assistance with down payments and closing costs. It's why we offer a variety of mortgage options to help you purchase your first home and the resources you need to help get you through the process smoothly.

First-time homebuyers may qualify for some of these programs:

  • Home Possible/Home Possible Advantage 
    This is an ideal home loan option for first time homebuyers with minimal savings. Advantages include low 3%-5% down payment options and a low interest rate. Income limits apply. 
  • Maine State Housing Authority (MSHA) Rural Development (RD) Loan 
    Looking for an even lower down payment?  This loan features low fixed rates and 0% down payment. Income limits apply.
  • Home Now 
    Our Home Now mortgage allows for a 2% down payment, a higher income and purchase price allowance than MSHA loans, and no private mortgage insurance (PMI). Property must be located in York County, Maine or Strafford and Rockingham Counties, NH.

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Purchase Plus Improvement Loans

Have you found a home that’s almost perfect? It just needs a renovation or update, but you can still live in it? This loan option could be perfect for you. Combine a mortgage to purchase your home with the financing to make improvements, all with a fixed rate and one mortgage closing. Available in York County, Maine and Strafford and Rockingham Counties, NH.

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Land Loans

Looking to purchase land now and build later? Call one of our knowledgeable lenders, who can walk you through your options today.

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From the Blog

How to Choose a Home Mortgage Lender

Before you even begin looking for a home, think about finding a knowledgeable and reliable mortgage lender. A good lender will help you navigate the home financing process, providing you with guidance every step of the way. Here are some tips we’ve prepared to help you choose a mortgage lender.

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Sealing the Deal: Understanding Mortgage Closing Costs

You're so close. You've gone through the exciting and maybe even exhausting process of finding your perfect home, but now the closing is in sight! With these tips, you can know what to expect in the next phase.

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