Mortgages
Open the Door to Your New Home
Let us help you take the first step toward your next home. We'll walk you through the mortgage prequalification process so you'll know exactly what you can afford.
Contact a Loan Officer to Get PrequalifiedYour Path to Homeownership
Step 1
Get Prequalified
Contact a Liberty Bank Loan Officer to help you determine how much home you can afford. We will run your credit and review your income and assets.
Step 2
Select Your Loan
Your Liberty Bank Loan officer will assist you in determining the best loan for you.
Step 3
Submit Your Application
Once you have found your new home, you can complete the application with your Loan Officer or Apply Online.
Mortgage Options
Whether you're a first-time buyer or refinancing, Liberty Bank has you covered with competitive rates and personalized support from local lenders right here in your community.
Fixed-Rate Mortgage
Consider a fixed-rate mortgage if you plan to stay in your home for a number of years, or if your income will remain relatively level over time.
Explore Fixed-Rate MortgagesAdjustable-Rate Mortgage
Consider an adjustable-rate mortgage if you plan to sell your home or pay off your loan in the next 10 years, or if your income will increase significantly over time.
Explore Adjustable-Rate MortgagesRefinancing
Consider refinancing if you want to consolidate debt or make improvements to your home. You may also want to refinance to lower your interest rate.
Explore RefinancingGood Neighbor Mortgages
No money down! Up to 100% financing without private mortgage insurance (PMI). Available in certain cities/towns.
More Mortgage Options
- Construction Loans
- HomeStyle Renovation Mortgage
- Land Loans
- Physician Mortgage
- FHA, CHFA, MassHousing, and USDA Loans
We speak your language!
Help is available in many different languages. Ask your loan officer how to get started.
Rates
| Loan | Points | Interest Rate | APR |
|---|---|---|---|
| 15 Year Fixed Mortgage2 | 0 | 6.125% | 6.243% |
| 30 Year Fixed Mortgage3 | 0 | 6.750% | 6.824% |
| 10/6m ARM4 | 0 | 6.125% | 6.281% |
1. APR = Annual Percentage Rate. 2. 15 Year Fixed Mortgage based on a $250,000 loan amount with 20% down. 3. 30 Year Fixed Mortgage based on a $250,000 loan amount with 20% down. 4. 10/6m ARM is fixed for 10 years, then adjusts every six months. Rates are subject to change without notice and are not a commitment to lend.