Mortgage Center

We offer pre-approval opportunities, mortgage lenders in your local branch and competitive interest rates.

• Mortgage Pre-Approval
  Simply apply now, and if we approve your request we'll issue a commitment letter based on the product you selected and your financial profile, assuring real estate brokers and sellers that you are a qualified buyer.
• Conventional fixed rate mortgages
  Choose from a range of terms designed to fit your budget. Low closing costs and no-point options help with down payment and other costs. Get a rate quote.
• Adjustable rate mortgages
  Generally speaking, these offer lower initial rates. Some are convertible to fixed rates later without refinancing costs. Get a rate quote.

We provide you with the tools and resources you need to help you make the right decision:

Resource Center
Besides our rate quotes and mortgage pre-approval applications, we also have a Resource Center with calculators, answers to frequently asked questions and other tools to help you find the right mortgage product for your needs.

Other mortgage products we offer include:

• Construction loans
  Building a home? We will work with you and your general contractor on financing. With our one-time closing, you get flexible construction financing that rolls into a permanent loan at completion.
• Low down-payment loans
  You may qualify for a mortgage loan with less than 20% down payment. This most often involves private mortgage insurance, with the premium added to your regular monthly payment.
• Government mortgage programs
  Available through the Veterans Administration, H.U.D., Rural Development Programs, and Maine State Housing Authority.
• Jumbo mortgages
  Thinking outside the box? We offer competitive prices and flexible structure for large amounts on unique properties.
• Second home, Seasonal property and Land loans
  We can work with you on financing a variety of residential properties.

Call us for details on applying for any of these loans, or visit a local branch to speak directly with a Mortgage Development Officer about your needs!