Ready to make a big move?
We're here to help.
House hunting in Massachusetts or southern New Hampshire? You'll focus first on floor plans and front porches, lot sizes and local schools. But at some point, you’ll need to turn your attention to how you’re going to pay for that perfect place. With so much at stake, it’s nice to work with people who have done this for decades. At the Institution for Savings, we’re ready to guide you through the mortgage process and provide a loan you can live with for the long run.
Fixed-rate Mortgages
With a fixed-rate mortgage, your monthly payment will stay the same for the life of the loan, making it easier to plan your finances well into the future.
- Choose loan terms of 10, 15, 20 or 30 years
- Attractive rates and low closing costs
- Convenient online application
- Refinancing options available
- We service our mortgages locally, so you can direct any questions or concerns directly to us.
Home Equity Loans
Make your home work for you! Our home equity loans are available in a variety of terms and empower you to take on a big remodeling project, make major purchases, finance education or more!
- Attractive rates and low closing costs
- Ideal for consolidating higher interest debt
- No restrictions on use of funds
- Convenient online application
Home Equity Line of Credit
Access your money only when you need it by writing checks against your available approved credit line. Our home equity lines are ideal for covering education costs, paying unexpected bills, taking a trip and more!
- Borrow funds for 10 years with interest-only payments during the 10-year draw period followed by a 10-year repayment period. (For additional information, ask one of our loan officers for a copy of Home Equity Line of Credit Plan Disclosure.)
- Convenient online application
We have also partnered with the local First-time Homebuyer Education providers listed below to offer an additional closing cost credit of the standard course fee when you complete one of their courses. Simply provide the course completion certificate and proof of payment to receive the added benefit at closing.
- Qualifying and applying for a home mortgage
- Working with realtors, home inspectors and closing attorneys
- Purchasing homeowners insurance
- Special issues surrounding condominiums and multifamily homes
Contact a homeownership advisor directly at 978-281-4770 x110
or via email at abeaton@ghama.com.