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Mortgage Programs

Find the terms, rates, and special programs that
work for you.

Buying a home is a very personal decision. When you work with Rockland Trust, we take that decision-and our relationship with you-as seriously as you do. That's why we offer you the widest possible choice of residential home mortgage programs.

Fixed-Rate Loan

Your interest rate remains the same for the term of the loan. Shorter terms generally have lower rates.

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Adjustable-Rate Loan

After an initial fixed-rate period, your interest rate adjusts annually to an index such as the one-year U.S. Treasury Bill or LIBOR, plus a margin. There are caps on the amount that the rate can adjust up and down at each adjustment. In addition, a lifetime cap limits the amount that the rate can adjust over the term of the loan.

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Jumbo Mortgage

If you're purchasing a "luxury" or higher-priced residence, you may require a jumbo mortgage. Jumbo mortgages are specialized home loans for amounts that exceed $417,000, the maximum loan amount established by Fannie Mae and Freddie Mac. Rockland Trust offers loans up to $2,000,000 for qualified buyers.

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Construction Loans

Looking to build?  Rockland Trust offers financing solutions specifically designed for new home construction or remodeling of an existing home.  We offer a collaborative approach between the buyer, builder, and Rockland Trust in order to make the construction of your home as seamless as possible. These loans feature competitive rates, a 12 month interest only payment period, and much more.  Please call 800.222.2299 for more information.

Loans for First-time Home Buyers

If you're in the market for your first house or condo, Rockland Trust can help you arrange financing through programs such as Buy Cities, FHA, and Mass Housing. There may be limitations based on your income, but we'll work with you to determine the best loan program for your situation.

Other Loan Programs

If you qualify, you can rely on Rockland Trust to meet virtually any home mortgage need. We offer programs for a range of special borrowing situations:

  • Express Mortgage, Home Equity Loan and Line of Credit 
    No matter what your priorities may be, tapping into your home's equity is a great way to get the cash you need. It's your choice: consolidate debt at a low (and often tax-deductible*) interest rate, finance home improvements, or meet other expenses.
  • Vacation Home Loans
    These loans offer special fixed rates to help you purchase that vacation home of your dreams. We also offer financing for three-season homes. To learn more call
  • Investment Property Financing
    If you're in the market for a money-making property, Rockland Trust can help with financing. We extend investment property financing for residences that are purchased to be rehabilitated, or for properties that are ready to rent. To learn more call
  • Condominium Programs
    Look to Rockland Trust for financing solutions when you're looking into buying a condominium unit. In addition, our Community Association Banking team can craft complete banking solutions for property management firms.

* Tax deductibility: Interest on any portion of the credit that is greater than fair market value of the house is not tax-deductible. You should consult a tax advisor regarding the deductibility of interest and charges.

Contact a Loan Officer:

To contact a loan officer, call 800.222.2299 or email

or click here to locate a Loan Officer near you.

Find a Loan Office Near You