 
With all the concerns about lending practices these days, finding a local mortgage provider who cares about you is more important than ever.
Joanne Ryan is that someone you can trust.
She has the expertise to guide you through the complexities of home financing and help determine what you can afford. Her only goal is to find a mortgage program that works for you ... today and down the road. In these uncertain times, that’s very reassuring.
Discover the value of working with the area’s most trusted mortgage resource. Call Joanne today at (508) 865-5811.
Local decisions. Local servicing.
Our local decision-making means you’ll have your mortgage lined up quickly. And we service our own mortgages, so you will always have a local person to call for answers to your questions.
 Pre-qualify Online!
No time to stop by the Bank? You can get the process started with our Online Pre-Qualification. It’s easy, secure and takes just minutes to complete
We’re Flexible
We offer Fixed Rate, Adjustable Rate, and Jumbo Mortgages for 1-family to 4-family homes, both owner-occupied and non-owner-occupied. Please note that some mortgage terms and requirements differ between owner-occupied and non-owner-occupied properties.
Fixed Rate Mortgages
Enjoy the security of a fixed rate and fixed payments for the entire term of your loan.
Adjustable Rate Mortgages
An Adjustable Rate Mortgage generally has a lower initial interest rate than fixed-rate loans, therefore lower initial monthly payments. The interest rate adjusts to an index, such as the rate on the one-year U.S. Treasury Bill, plus a margin. The initial rate is generally fixed for a specific period, after which it might adjust annually. Your interest rate and monthly payment may increase – or decrease – during the term of your loan, depending on changes in the index rate. Adjustable-rate loans usually include interest rate caps that limit the amount the interest rate can increase or decrease at each adjustment, as well as over the life of the loan.
Jumbo Mortgages
Thinking big? When your financing needs require a larger loan, we offer jumbo loans with adjustable rates.
Construction Financing
Building a home? We make it easier with a Construction Loan program that automatically converts to a permanent mortgage – so there’s just one closing.
First Time Home Buyers Program
Those buying their first home may be able to take advantage of our home financing plans designed with the first time buyer in mind. Some of the features include low down payments, more flexible income qualifying ratios, and favorable loan terms. We also participate in MassHousing’s first time buyer loan programs.
Here to serve you!
If you have any questions about our products and services, please complete our information request form, or call Joanne Ryan at (508) 865-5811.
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Member FDIC
Member DIF |
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