Home Loans

Purchase A Home

At Liberty Bay, we work with you personally and want to know your story so we take the time to understand your unique situation. We offer free pre-qualifications so you can shop for your home with peace of mind knowing that you’ll be within your budget. And all of our loan decisions are made locally by underwriters who live in and understand the local real estate market. Our knowledgeable Mortgage Specialists are here to walk you through the process and answer any questions you may have. We offer convenient terms, competitive rates, and timely approvals. We have a variety of programs, including:

• Fixed-rate Mortgages
• Adjustable-rate Mortgages
• First-time Homebuyer Program Mortgages
• Massachusetts Housing Partnership

Questions? Ask a home lending expert.

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Refinance Your Home

Homeowners refinance for a number of reasons. No matter what your reason may be, Liberty Bay’s mortgage officers are here to guide you through your mortgage refinance options and simplify the process.

Questions? Ask a home lending expert.

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Home Equity Line of Credit (HELOC)

Using the equity in your home can be a great way to finish projects or consolidate debt.

A HELOC is a line of credit that is secured by the equity in your home. You only make payments based on the amount you draw. As you pay the balance down, you have access to borrow against it again.

This option is ideal to manage ongoing expenses, such as:

• Home rehabilitation, remodel, and renovations
• Medical bills
• Life events, such as a wedding or vacation

Questions? Ask a home lending expert.

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Home Equity Loan

A Home Equity Loan is a lump sum of funds that can be used one time. Like a car loan, you finance a set amount of money and pay it off monthly. Once the loan is paid off, it is closed.

This option is ideal if you’re managing a single large expense, such as:

• Major purchases
• Debt consolidation
• Home improvements

Paperwork you’ll need for an Equity Loan or Line of Credit

• Two most recent pay stubs
• Current Mortgage balance statement
• Copy of deed with recording information or copy of Certificate of Title
• Real Estate tax bill
• Copy of Homeowner’s Insurance Policy
• Two Years of W2s

Questions? Ask a home lending expert.

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