Residential Loans

Homeowners are the foundation of every community, and we are proud to support you as your bank. From application to closing, your dedicated lender will work with you to leverage your home equity or cover your residential purchase or project while maintaining your financial health.

Fixed-Rate Mortgages

If you like consistent, competitive rates with your choice of repayment period, our Fixed-Rate Mortgages may be right for you. Learn more about Fixed-Rate Mortgages

Adjustable Rate Mortgages

Is it a priority for you to get your monthly payment as low as possible in the early years of your loan? Partner with us to finance your new home, your way. Learn more about Adjustable Rate Mortgages

40-Year Mortgage

Our new 5/5 Adjustable Rate Mortgage (ARM) with a 40-year term (3.375%/4.831% APR*) makes owning a home even more feasible than ever. Learn more about 40-Year Mortgage

Builder-to-Buyer Program

Work with us on a builder-to-buyer loan and discover exclusive opportunities for your new home. Our unique mortgage program offers potential buyers special financing options you won’t find anywhere else. Learn more about Builder-to-Buyer Program

Construction-to-Permanent-Mortgages

Building or renovating? Our unique construction-to-permanent programs are designed to help builders like you turn that project into reality. Learn more about Construction-to-Permanent-Mortgages

First-Time Home Buyer Program

Buying your first home is an important milestone. Don’t let anything stop you. We have a number of mortgage programs designed to help. Learn more about First-Time Home Buyer Program

Home Equity Line of Credit (HELOC)

The equity in your home can be an extra resource in your journey to upgrade your living space, consolidate debt, or pay tuition. Learn how we can help you harness that power. Learn more about Home Equity Line of Credit (HELOC)

Jumbo Mortgages

Make your dream home a reality, no matter how much it is. We’ll partner together on the financing to get you what you need. Learn more about Jumbo Mortgages

Residential Loans Highlights 

  • Flexible options
  • Competitive rates
  • Special financing options
  • Enhanced Assistance
  • Fixed- and adjustable-rate loans and mortgages

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Serving Our Clients

Thomas Tomasian

“Needham Bank offers a complete portfolio of options, which differentiates them from the competition.” - Thomas Tomasian, Realtor

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Our Insights About Personal Residential Loans

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Getting Financially Ready to Live on Your Own

Living on your own can be exciting and expensive. Learn how to financially ready yourself for this next step through budgeting, from Needham Bank.

Learn more about Getting Financially Ready to Live on Your Own
Calculating Your Monthly Mortgage Payment

Before shopping for a home understand how much you can afford to spend on a mortgage. Learn how to calculate your monthly payments with Needham Bank.

Learn more about Calculating Your Monthly Mortgage Payment

Get started with our quick and easy application process.

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