Fixed Rate Mortgages: Sometimes security is the most important thing on your mind. A fixed rate mortgage provides you that security of knowing that your interest rate will not change during the life of the loan. And if speed and ease are priorities, come to us. We won't tie you up in red tape! Check out our RATES today. Adjustable Rate (ARM): Your priority may be to get your monthly payment as low as possible in the early years of the loan. An ARM will do that for you by offering a lower interest rate mortgage than the fixed rate option. Choose from our various adjustment periods, with lifetime caps that are competitive with the industry. And always, we work to make your loan experience with us quick and easy. First Time Home Buyer Program: We want to make it as easy as possible for you to buy your first home. That's why we offer a mortgage product designed exclusively for the first-time homebuyer. Some restrictions may apply, please call one of our Loan Specialists to find out more information and the many benefits of this program. Let Needham Bank help you make informed financial decisions about your future. Contact one of our Residential Loan Specialists by phone or email today!   Frank Driscoll: (781) 474-5458 fdriscoll@needhambank.com Peter Collins: (781) 474-5444 pcollins@needhambank.com