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Borrowing Personal Services

From first homes to new and used auto loans, The Village Bank is ready with the financing you need to make your dreams come true!

Home Financing

At The Village Bank we are committed to helping you achieve the dream of home ownership. We know the local markets, and care about our community. We will be your bank before, during and after the purchase of your home. We would be happy to set up an appointment for you at the Bank, or at your home or work. Call Denise Leonard (NMLS #3351) at (617) 340-1225.

Available in Massachusetts only. The Village Bank, NMLS #408536

  • Visit our Mortgage Web Center
    Your one-stop shop for information about our mortgage programs including rates, frequently asked questions and more.
  • Get pre-approved!
    The Village Bank team can provide you with a pre-approval letter within 2 to 3 business days.
  • First Time Home Buyers
    Our First Time Home Buyers Program is available to people who have never owned a home, and also to those who haven't owned a property in the last three years. You'll pay less up front and less to close your loan. We make buying a first home well within your reach!
  • Adjustable Rate Mortgage (ARM)
    If you're looking to buy or refinance, The Village Bank is a fantastic source of an affordable Adjustable Rate Mortgage. ARMs offer more flexibility, with rate adjustments during the term.
  • Fixed Rate Mortgages
    If you want set monthly mortgage payments, and don't want to worry about changing interest rates, a Fixed Rate Mortgage is just the ticket! Because you can choose a repayment term, a Fixed Rate Mortgage makes it possible to establish a monthly payment that fits your budget.
  • Jumbo Mortgages
    Rather than basing lending decisions solely on numbers, we look at the unique financial character and qualifications of each and every borrower – whether you need to finance $100,000 or $10 million. Best of all, you’ll get the same low rate no matter how much you need to borrow

Home Construction Loans

  • One-Step Construction Mortgage (for Home Owners)
    Now you can finance your home construction and your new home in a single step. This mortgage is construction financing and mortgage rolled into one. There's just one application process and one closing - saving you thousands of dollars. When your home is completed, there's just one thing left to do – move in!

Home Equity Loans & Lines of Credit

If you’re a homeowner, you can use the equity you have built up in your home to secure possibly the lowest rate financing available. And whether you select a variable-rate Home Equity Line of Credit or a fixed-rate Home Equity Loan, the interest may be tax-deductible (check with your tax advisor).

  • Convertible Home Equity Line of Credit
    Enjoy the flexibility of a variable-rate Home Equity Credit. At any time during the draw period, convert all or part of your credit line to a lower fixed-rate. Conversions are available up to 5 times during your draw period. Convert your outstanding balance to a fixed rate or advance your available balance to a fixed rate – get your check in just 10 minutes! Already have a  home equity loan or line somewhere else? Switch over to The Village Bank. It’s easy to do. 

Consumer Loans

Maybe your car has finally succumbed to New England winters. Or, your oldest has been accepted to an Ivy League school (with Ivy League tuition). Or, maybe you are looking to buy a new computer so your youngest can join her! If you live in Massachusetts, The Village Bank can help you finance those major purchases without breaking the bank.

  • Car Loans - New or Used
    Drive away with a great rate on a new or used car, with 100% financing available. Already have a car loan someplace else? Switch over to The Village Bank. It’s easy to do … at no charge.
  • Home Improvement Loan
    From small fixes to major renovations, we can help you get your house into tip top shape.
  • Personal Loans
    Our personal loans will let you finance major purchases at a very attractive rate.
  • Passbook Loans
    Get a lower rate on a personal loan using your The Village Bank savings account or CD as collateral.
  • Village Reserve Account
    Advance funds from your Village Reserve Account into your checking account to cover overdrafts. Extra cash needs can be set up ahead of time or can be made by simply writing a regular check.