Personal Loans



Northmark Bank will work with you before you purchase your new home to help to determine how much you can afford and the best financing to fit your needs. We offer a quick turnaround and customized service so you can begin your search for a home sooner.

Conventional Fixed Rate First Mortgages

Northmark Bank offers fixed rate first mortgages for loan amounts of $548,250.00 or less. Enjoy a fixed principal and interest payment for the entire life of the loan. We also have fixed rate options for condominiums, multi-family dwellings, non-owner occupied investment properties and vacation homes.

Adjustable-Rate Mortgages (ARMs)

Northmark Bank offers flexible ARM products for Conforming and Jumbo loans. Our range of ARM products can accommodate frequent movers who only plan on being in their home for a few years or the more conservative borrower looking for a 7 to 10 year ARM. Our flexible ARM products have loan amortization terms up to 30 years. 

First Time Home Buyer Program

Adjustable Rate Mortgage - First Time Home Buyer Program – Northmark Bank’s first time home buyer program offers flexible financing for those in the market to buy their first home. Our experienced loan officers are well versed in carefully guiding new buyers down the road to home ownership. 

FHLB Equity Builder Program

Through our membership in the Federal Home Loan Bank of Boston, we’re able to offer clients the opportunity to qualify for home purchase grants up to $15,000.   The funds may be used for a down-payment, closing-costs, home-buyer counseling or rehabilitation assistance.  The Equity Builder Grant Program (“EBP”) is offered for a limited time and funds are awarded on a first-come, first-served basis — not guaranteed or reserved in advance. 

Buyers eligible to receive assistance through the Equity Builder Program are individuals and households earning no more than 80 percent  of the area median income, based on their future address. To be eligible to receive assistance through the EBP, buyers must complete a home-buyer-counseling program administered by an agency designated by the EBP-approved member financial institution. The program must include pre-and post-purchase counseling. Interest would not accrue on the grant and the proceeds would only be due if the property is sold within the first five years of home ownership. May not be combined with any  other type of down payment programs. 

Residential Construction and Renovation Mortgages

Are you ready to construct the new home of your dreams or make major renovations to your present home? Northmark Bank’s construction and renovation mortgage program offers quick decisions, affordable financing and the flexibility any construction project may require. Our team of lenders will work with you to tailor the loan that best suits your project.

10 Year Fixed Rate First Mortgage

If you want to fix your interest rate for 10 years on your jumbo or conventional sized mortgage, this product might be the right option for you. 

Vacation, Second Home and Multifamily Mortgages

Northmark Bank offers competitive financing options with a variety of terms suited to your financing needs.

Don’t see the right loan to fit your needs listed here? Please give us a call at (978) 686-9100 or (781) 721-9100 to speak to one of our experienced loan officers. We will work with you to create the right financing package for you.


Our Home Equity Lines of Credit enable you to access the equity in your home to fund home improvements, pay college tuition and much more. Access the funds simply by writing a check, calling for an advance to your Northmark Bank checking account or making the transfer online. 


Overdraft Protection

Protect your checking account from overdraft fees by opening an Overdraft Protection Account. The overdraft line of credit is linked directly to your Northmark Bank personal or business checking account. You are billed monthly for 1/24th of the outstanding principal balance plus interest with a minimum payment of $10.00.

Certificate of Deposit Secured Loans

Use your Northmark Bank term certificate of deposit account as collateral for your short term financing needs. Certificate of Deposit loans offer immediate access to your funds at a low effective interest rate. Choose from an interest-only or fully amortizing payment option. 

Don’t see the right loan to fit your needs listed here? Please give us a call at (978) 686-9100 or (781) 721-9100 to speak to one of our experienced loan officers. We will work with you to create the right financing package for you.