Envision Bank brings you home
You've probably heard that buying a home can be scary or intimidating. At Envision Bank, we don't think it has to be.
We’ve been at it since 1851, working to help people like you make their dreams of home ownership come true. We've made the process easy to understand so you know what to expect every step of the way. Oftentimes, we're able to close a loan in 30 days or less!
Our mortgage team is one of the best around - knowledgeable experts who take the time to listen, answer questions, and work closely with you to guide you through the process. And because we offer some of the best rates in the market and a wide variety of loan options, our advisors will find an affordable solution that fits your needs.
We're proud of the fact that Envision Bank is local. Not only do we know the area, but your loan will be handled right here, too – from application to close, it all happens locally. Because we know you want to get into your home as soon as possible, we strive for a speedy close.
Whether you’re buying your first home, refinancing your mortgage to save some cash, or preparing to build the home of your dreams, turn to Envision for your home financing needs. You'll see the difference with Envision Bank.
Want to get started? You can easily apply online, over the phone, or you can call us to schedule an in-person meeting with one of our experienced loan originators.
What are you looking for?
Discounts and other tools to find the right house with the right loan
If you’re a first-time homebuyer and meet income eligibility guidelines, you may be eligible for up to $15,000 in grant money to help with your down payment or your closing costs through our partnership with the Federal Home Loan Bank.
Low Down Payment Options
Don’t have a lot of money to put down on a home? At Envision Bank, we offer a variety of affordable fixed- or adjustable-rate mortgage products that, depending on your situation, could provide up to 100% financing (certain income restrictions and other guidelines may apply). Is an option like this right for you? Call us to review your specific situation.
We work with many partners to provide high-quality, affordable products, including: USDA, MassHousing and the Federal Housing Authority (FHA).
Putting less than 20% down? We also offer conventional mortgage products with private mortgage insurance. You can choose to pay the premium one time up front, or pay it monthly along with your mortgage payment instead.
JUMBO Loans & Other Portfolio Products
Are you looking for a large loan above the conventional loan limit of $453,100? Does your property have unique characteristics that may not fit the traditional profile? At Envision Bank, we pride ourselves on having a suite of products that can help you get the loan that is best-suited for your borrowing needs.
Building your dream home? While we can’t make it any easier to pick out your kitchen cabinets, we can take the guesswork out of the borrowing process with our Construction Loan Program. One closing and our team will be with you every step of the way until your new home is complete.
Traditional Loan Options
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that changes during the life of the loan according to movements in an index rate. These loans are sometimes called AMLs (adjustable mortgage loans) or VRMs (variable-rate mortgages). A variety of terms are available.
Fixed-Rate Mortgage (FRM)
A fully amortizing mortgage loan where the interest rate on the note remains the same throughout the term of the loan. Payment amounts and the term of the loan are fixed and we offer terms up to 30 years (click here for more information).