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​Mortgages

the right type of mortgage. a process that simplifies it all.

As you plan to make one of life’s biggest financial decisions to buy, build or refinance your home, working with someone who has experience and accessibility is critical. Our approach to mortgage lending goes deeper than most. We take the time to learn your situation and your goals to help you choose the best mortgage option possible, and it may be one you haven't considered. Plus, we're always just a phone call away at any time during the process. We think you’ll like our different approach to mortgage lending. Most customers do.

 

What makes us different?

  • We keep and service our Portfolio Mortgages so you’ll always have a Middlesex banker here to answer any question, no matter how big or small.
  • Our lenders, on average, have over 20 years of experience in the industry.
  • We are experts in Jumbo loans and unlike others, we charge no jumbo rate premium.
  • Flexible rate lock policies you don’t find elsewhere.
  • You’ll love our service before, during and after your mortgage is completed. It's why more customers are willing to recommend Middlesex than those of any major bank.

 

Find the loan that's right for you

​What do I get? Rates are often lower than fixed rates, so you may be able to afford more home than with a fixed rate loan. ​
Features & Benefits​Your rate can change at set intervals, allowing you to take advantage of falling rates without refinancing. ​And if rates rise, they will be limited by a cap.
Where will my loan be serviced? ​Your mortgage loan will be serviced by Middlesex for the life of your loan. If you have a question about your mortgage today, tomorrow, or even years from now, a Mortgage Specialist will be available to assist you. ​
Loan amount ranges? ​

Up to $2 million​

What are today's rates? ​Today's rates​
​CalculatorsMortgage payment, refinance break-even and early payoff calculators.
​How can I apply?

You can start your application online, by phone at 1-877-672-7654 or in person with a Mortgage Specialist



To learn more about our Adjustable Mortgages, call 1-877-672-7654. A Mortgage Specialist is available to answer any questions and guide you through the process. 

​What do I get? Peace of mind knowing that if mortgage rates change, your rate will be exactly the same every month -- guaranteed. ​
Features & Benefits​Middlesex Portfolio Fixed Mortgages offer shorter terms allowing you to own your home sooner and pay less interest.​
Where will my loan be serviced? ​Your loan will be serviced at Middlesex. If you have a question about your mortgage today, tomorrow, or even years from now, a Mortgage Specialist will be available to assist you.​
Loan amount ranges? ​

Up to $2 million​. 

What are today's rates? ​Today's rates.
​CalculatorsMortgage payment, refinance break-even and early payoff calculators.
How can I apply?

You can start your application online, by phone at 1-877-672-7654 or in person with a Mortgage Specialist.



Whether you’re a first-time home buyer or current home owner, a Mortgage Specialist is available to answer any questions and guide you through the process. Call us at 1-877-672-7654.

​What do I get? Peace of mind knowing that if mortgage rates change, your rate will be exactly the same every month -- guaranteed. ​
Features & Benefits​With longer term options, a Conforming Fixed Mortgage gives you the lowest possible monthly payment of any fixed loan.  And since lenders use monthly payments when qualifying borrowers, you may be able to buy a larger home.​
Where will my loan be serviced? ​For longer term fixed mortgages, we've partnered with select lenders who offer unique advantages, such as smaller down payment requirements or better pricing for particular situations.  These lenders will acquire and service your loan, providing you with the best fit.
Loan amount ranges? ​

Up to $417,000.  May be higher in some counties.  Talk to a Mortgage Specialist for details.​

What are today's rates? ​Today's rates
​CalculatorsMortgage payment, refinance break-even and early payoff calculators.
​How can I apply?

You can start your application online, by phone at 1-877-672-7654 or in person with a Mortgage Specialist



Whether you’re a first-time home buyer or current home owner, a Mortgage Specialist is available to answer any questions you may have and guide you through the process. Call us at 1-877-672-7654.

​What do I get? Middlesex has teamed up with some of the very best state housing agencies to bring you a range of affordable home purchase options.
Features & Benefits​Our affordable loans feature special low down payments, special rate advantages, or both. ​
Where will my loan be serviced? ​Your mortgage loan will be serviced by either Middlesex or the Mass. Housing Finance Authority. If you have a question about your mortgage today, tomorrow, or even years from now, a Mortgage Specialist will be available to assist you. ​
Loan amount ranges? ​

Loan amounts are dependent on your specific qualifications. Contact a Mortgage Specialist to see which mortgage best fits you.

What are today's rates? ​Today's rates
​CalculatorsMortgage payment, refinance break-even and early payoff calculators.
​How can I apply?

You can start your application online, by phone at 1-877-672-7654 or in person with a Mortgage Specialist



To learn more about our Affordable Mortgage Programs, call 1-877-672-7654. A Mortgage Specialist is available to answer any questions and guide you through the process.

What do I get?

Construction loans can be used to finance the initial construction of a home and become the permanent loan once your home is complete.  ​

Features & Benefits​

You pay interest only during the construction period. Then, when construction is complete, your payment automatically converts to a regular monthly payment of principal and interest, saving you from the expense and need of a second closing.    ​

Where will my loan be serviced? ​Your loan will be serviced at Middlesex. ​
Loan amount ranges? ​$100,000 to $2 million
What are today's rates? ​Today's rates
​How do I apply?​You can start your application online or in person with a Mortgage Specialist.



To apply or learn more about Construction Loans, please call 1-877-672-7654. We can take your application over the phone or set up an appointment with a Mortgage Specialist, whichever you prefer.