Mortgage Loans

Turn that house into a special home. 

When you're ready to take the next step, our home loans can help you get there. 

Whether you're buying your first home, second home, or refinancing your current mortgage, Middlesex Savings Bank is there with a team of friendly, knowledgeable mortgage experts who are ready to pair you with the perfect mortgage loan for your budget and lifestyle.

To contact our Mortgage Center directly, please call 1-877-672-7654.

Explore mortgage loan options available from your local Massachusetts lender:
  • Choose from a unique combination of our own in-house home loan products, secondary market options, and those offered in conjunction with the Massachusetts state housing agencies.
  • We offer first mortgages, second mortgages and home equity lines of credit (HELOC), along with the expert advice to help you select the best home loan option for your needs.
  • Middlesex Savings Bank was voted first place for mortgages three years in a row for the Best of MetroWest Awards, the official community choice awards presented by The MetroWest Daily News.
2019 Best of the Best MetroWest First Place 2020 Best of the Best MetroWest First Place 2021 Best of the Best MetroWest Winner 2023 Top lender banker & tradesmanCC24_MetroWest_Winner_resized_2.jpg
Middlesex Savings Bank is a full-service bank serving individuals, families, and business owners throughout central and eastern Massachusetts.

Affordable Mortgage Programs

In addition to our own first-time homebuyer programs, Middlesex Savings Bank participates with the state’s housing agencies to offer Massachusetts Housing Partnership home loans. This wide selection of affordable housing options can help us match you to the right mortgage.

Middlesex Savings Bank Mortgage Programs

The floor plan is perfect. The neighborhood is friendly. The time is right. All that's standing between you and your new home is affordable financing. At Middlesex Savings Bank, we're happy to help you clear that hurdle. With a variety of fixed and adjustable-rate mortgage options and competitive interest rates, terms and fees, you'll soon be able to put down some serious roots.

Conforming Mortgage Programs

Our goal at Middlesex Savings Bank is to provide you with the best available home loan options - and no surprises. So if we can provide you with financial benefits, such as a smaller down payment or lower interest rate by offering you a conforming loan that can be sold in the secondary market, we will let you know up front. 

Construction Loans

From building additions and renovations to ground-up construction, you're in good hands with Middlesex Savings Bank. We have the right loan to finance your project and our loan experts to help make the application process easy.

Mortgage Preapproval

Get your mortgage loan preapproval from a Middlesex Savings Bank lender that will look out for your best financial interests. With our Rate Assurance Program, we protect you from rising interest rates for up to 90 days while you search for your new home.

Mortgage Refinance

If you're ready to rework the terms of your current mortgage loan, Middlesex Savings Bank is right there with you. We can help you take advantage of a lower interest rate or adjust the term to pay off your mortgage, all with the goal of enhancing and improving your financial situation.

Disclosures
All offers of credit are subject to approval. Other mortgage options available. Other terms and conditions apply. Rates subject to change at any time. Property insurance required. See tax advisor regarding deductibility of interest.