Home Loans

Local decisions, local service

Our team of experienced lenders are here to help you along the way to home ownership. Whether you are a first-time home buyer or an experienced homeowner, we are here to help you achieve your dreams. We'll work with you every step of the way, from prequalification and completing the application to sitting at the closing table. 

Start your home loan application online.  Complete a secure online application anytime, anywhere. You can create a user ID and password so you can come back and finish your application later if you need to.  Once you submit your application, it will be sent to one of our local personal bankers who will contact you to continue the loan application process.

All of our decisions are made locally.  We never sell the servicing of our loans to outside investors.
 

Residential and Second Home 1-4 Family    

  • 10, 15, 20 and 30 year terms available
  • 60-day interest rate lock
  • Fixed and variable rate options
  • Bi-weekly amortization available
  • First Time Home Buyer Programs available

 

Residential Construction     

  • Generous 12-month construction period
  • One closing to save you time and money
  • Monthly interest-only payments during construction phase
  • Rate locked in at application

Contact your local Community Banker to apply. 

 

What do I need to bring when applying for a residential mortgage loan?

  • Most recent year-to-date pay statement for each applicant         

  • W-2’s for the past two years

  • Self Employed Borrowers:

    • Federal Income Tax Returns for the past two tax years

    • Corporate Income Tax Returns for the past two years

    • Include all schedules

  • Maine Housing First Home Loan Applications:
    • Federal Income Tax Returns for the past three years

    • Landlord name and address 

  • Bank statements (most recent two months)
  • Retirement and investment account statements (most recent)

  • Purchasing a Property:

    • Signed Purchase and Sales Agreement

    • Deed with Legal Description        

    • Be prepared to provide a Homeowner’s Insurance binder prior to closing

  • Refinance of an Existing Mortgage:

    • Monthly statement from mortgage holder

    • Property tax bill

    • Deed with legal description

    • Homeowners Insurance policy coverage page                       

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For more information about our Residential Loan programs, please contact us and one of our Community Bankers will be happy to speak with you.