Lending
The current public site has no consumer mortgage page. This one introduces the conversations a community bank should be having — purchase, refinance, and home equity — with the Equal Housing Lender commitment in view.
Buy in the community. Finance with the community bank.
Fixed-rate mortgages for primary residences and second homes across our New York and Massachusetts markets.
Replace a higher rate, or take cash out with a purpose.
Rate-and-term and cash-out refinances for homeowners who already bank, or want to bank, with NECB.
A line secured by the house, drawn when you need it.
A home equity line of credit for improvements, tuition, or consolidating higher-rate debt.
| Home Purchase | Refinance | Home Equity Line | |
|---|---|---|---|
| Terms | 15 and 30 year fixed | — | — |
| Occupancy | Primary and second home | — | — |
| Decision | Local underwriting | — | — |
| Servicing | Ask about portfolio servicing | — | — |
| Best for | Home buyers | Homeowners resetting terms | Planned projects |
| Purpose | — | Rate-and-term or cash-out | — |
| Property | — | 1–4 family | — |
| Process | — | Local loan officer | — |
| Closing | — | At a branch, attorney, or title company | — |
| Structure | — | — | Revolving line |
| Rate | — | — | Variable |
| Collateral | — | — | Your home |
| Risk | — | — | The home secures the line |
This page describes loan types. It is not a commitment to lend. Rates and APRs are quoted only on a complete application. NMLS ID to be confirmed — see footer placeholder.
Consult a tax advisor about interest deductibility. Equal Housing Lender.
Equal Housing Lender. NMLS ID is a placeholder until confirmed on NMLS Consumer Access. This page is not a commitment to lend, a Lock, or an advertisement of a specific APR.