Piscataqua Savings Bank consistently ranks as one of the Seacoast's leading home mortgage lenders serving Portsmouth and nearby towns in both New Hampshire and Maine. The Bank offers a variety of fixed and adjustable rate programs all at very competitive rates. Let us tailor a mortgage program to complement your future plans.

Unlike most mortgage companies, Piscataqua Savings Bank offers "conforming" as well as "in-house non-conforming" loans which are held in the Bank's portfolio. This important difference allows us to be more flexible in considering your needs.

Getting Advice
Call or email our Loan Department with your questions and let one of our experienced mortgage officers offer suggestions and guidance.


Prequalifying
 If you are interested in prequalification, we

can fax or send an application form to you to complete. Once you have returned the application, we can usually respond by the next business day with an initial answer, subject to an appraisal of the property plus verification of the information on your application.

Downpayment/Equity Requirements
Mortgage loans are available for home purchase with as little as 5 percent down. Equity requirements for refinancing vary depending upon the program you select.

Construction Loans & Construction/Permanent Mortgages
We offer both short-term construction loans, as well as a single-closing construction program, which automatically becomes a permanent mortgage. Typically, the rate on this loan is fixed for the first one to seven years of the loan and then adjusted annually within certain limits.

Home Equity Loans & Lines of Credit
The bank offers home equity lines of credit to a maximum of 80 percent of property value. Ask about obtaining a line at the same time as applying for a first mortgage.