Northern Bank and Trust Company

Personal > Borrowing

Looking to make a major new lifestyle purchase? If you're in the market for a new home, new car, a kitchen renovation or a special anniversary vacation, we can help finance it.


Whether you are buying a new home or refinancing an existing mortgage, we offer a variety of programs with competitive rates, flexible terms, and quick turnaround. Give one of our lending specialists a call at (978) 805-4225 to determine the program that's best for you.

  • Fixed & Adjustable Rate
    Depending on the length of your loan, how long you plan to live in your house, current rates and points, choose the option that works best for you.
  • Jumbo Mortgage
    Especially for homeowners whose mortgage will be greater than $417,000.
  • First-Time Homebuyer Program
    A program offering flexible financing, lower rates, reduced fees and lower down payment requirements.
  • Construction & Renovation
    For new home construction or renovation projects. Convenient one-time closing for construction.
  • Specialty
    Specialized programs with smaller down payments and lower closing costs for multi-family homes, vacation homes and more.

Home Equity

Designed to help you get the most out of the equity in your home, we offer an affordable way to make home renovations, consolidate existing debt or fund a college education. Interest is often tax-deductible. Consult your tax advisor.

  • Home Equity Line of Credit
    An outstanding value for a flexible, revolving line of credit (owner occupied and investment properties)
  • Home Equity Loan
    When you need to borrow a fixed amount of money.

Consumer Loans

  • Auto Loans
    Put yourself in the driver's seat with pre-approved financing and be positioned to negotiate on your own terms at the dealership.
  • Personal Loans
    Let us help you quickly finance a personal purchase.

Overdraft Line of Credit

  • Credit Reserve
    Protect yourself from overdrafts on your checking account.

Please note, all loan requests are subject to credit approval.

Neighbors you can bank on

For more information about our products and services, please visit any of our offices, use our information request form, or call us at 800.273.6908.

NMLS #472275


Equal Housing Lender Member FDIC NMLS# 472275
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275 Mishawum Road • Woburn, MA 01801 • 800.273.6908
© 2017, Northern Bank & Trust Company. All rights reserved.


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