Personal Banking Mortgages

Whether you are buying a new home or refinancing your existing one, Middlesex will be right there with you from application through closing and beyond. 

More options from a local lender:

  • Choose from a unique combination of our own in-house loan products, secondary market options, and those offered in conjunction with the state housing agencies.
  • We offer first mortgages, second mortgages and home equity lines, along with the expert advice to help you select the best option for your needs.   
  • Now offering contactless home evaluations. In most cases, a real estate appraisal will take place without anyone having to set foot in your home.


Middlesex Savings Bank was voted first place for mortgages in the 2019 Best of MetroWest Awards, the official community choice awards presented by The MetroWest Daily News.

Let's get started, today: 

Contact A Mortgage Specialist  Start An Application

Explore Mortgage Options:

Affordable Mortgage Programs

No single option is best for everyone. That’s why in addition to our own first time homebuyer programs, Middlesex participates with the state’s housing agencies to offer both MassHousing and Massachusetts Housing Partnership loans. This allows us to provide a wide selection of affordable housing options and the ability to find the one best for you. 

With an affordable mortgage from Middlesex there is:

  • Down payments as low as 3%.
  • Easier qualification.
  • Reduced rates and costs.

Our home lending specialists will take the time to explain the requirements and benefits of each program. They'll also help you to determine which you may be eligible for today, or the steps you might want to take to prepare for a future home purchase.  

Middlesex Mortgage Programs

At Middlesex we offer a selection of mortgage products that we retain in-house and service after the loan is closed, offering a unique combination of features including:

  • A variety of fixed and adjustable rate options, with competitive interest rates, terms and fees.
  • Loans available up to $2 million, with no increase in pricing.
  • 90 day rate locks at no additional charge, and the ability to relock your interest rate should rates drop while your application is in process.

Your loan will be processed and underwritten by an experienced team of professionals that know and understand our community. And you can feel secure in knowing that your loan will not be sold. Our home loan specialists are here to guide you through the purchase of your home. They will also be here for you after with other financing options such as a refinance, home equity line or our rate modification program – a quick and affordable alternative to refinancing.

Conforming Mortgage Programs

Our goal is to provide you with the best available options - and no surprises. So if we can provide you with a benefit, 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. That way you can choose the option that you prefer.     

Construction Loans

Select from a variety of our portfolio fixed and adjustable rate Middlesex mortgage options to renovate your current home or build an entirely new one. Our Middlesex mortgage programs are a great option. 



Mortgage Pre-Approval

Shop with confidence.  Get your pre-approval from a lender that will stand behind you. With our Rate Assurance Program, we’ll also provide you with protection from rising interest rates for up to 120 days while you shop for your new home.

Ready to get started? Applying online is quick and easy:

If you have any questions, we’re here to help. For more information call, a Mortgage Specialist at 1-877-672-7654. And you’re always welcome to visit us at your local branch.

Click to see rates, payment amounts, and terms. All loans are subject to credit 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.