Mortgage Loan Options

You have options with Rockland Trust.

We're right there with you.

Chances are, your home represents the biggest purchase of your life. At Rockland Trust, we understand. And we take the responsibility of financing your home as seriously as you do.
We have several types of mortgages available. Choose from the following residential home mortgage programs from Rockland Trust: 
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Fixed-Rate Loans

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With this type of mortgage, your interest rate remains the same for the term of the loan. Shorter terms generally have lower rates.

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Adjustable-Rate Loans

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Your interest rate remains the same for an initial period — typically three, five or seven years. The rate subsequently adjusts each year to an index (e.g. the one-year U.S. Treasury Bill or LIBOR), plus a margin.

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Jumbo Mortgages

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These are specialized mortgages that exceed $417,000, a threshold set by Fannie Mae and Freddie Mac. Rockland Trust offers loans of up to $1.5 million for qualified buyers. Fixed and adjustable rate options are also available for these types of mortgages.

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First-time Home Buyers

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In the market for your first house or condo? We can help you arrange financing through programs such as Federal Housing Administration (FHA), Mass Housing, Massachusetts Housing Partnership (MHP), and Buy Cities. There may be income-based limitations, but we'll work with you to determine the best type of mortgage for your situation.

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Government Loan Programs

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Federal Housing Administration (FHA), Massachusetts Housing Partnership (MHP) Mass Housing and other government loans usually have lower requirements for down payments and other appealing features. We'll work with you to determine the best option for your situation.

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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 one to four family residences that are purchased to be rehabilitated or for properties that are ready to rent. Please call 800.222.2299 to learn more.

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Condominium Programs

Look to Rockland Trust for financing solutions when you're considering buying a condominium unit. Plus, our Community Association Banking  team can craft complete banking solutions for property management firms. Please call 800.222.2299 for more information.

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Construction Loans


Looking to build? Rockland Trust offers financing solutions specifically designed for new home construction or a remodel 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.

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Get Started Today

For assistance in determining which option is right for you, please speak with one of our loan officers today

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