In honor of Thanksgiving Day, Northern Bank branches and the Contact Center will be closed on Thursday, November 28. As always, mobile banking, online banking and our ATM network are available to you 24/7.

Spoofing schemes are on the rise and criminals are now pretending to be bank employees. As a reminder, Northern Bank will not call you and ask for personal information like PINs, passwords, social security numbers, or account numbers. Be wary of texts, calls, or emails that ask you to log into, or send money with, payment apps. If you receive a call matching this description, or alerts of suspicious activity on your account, please contact us immediately at 1-800-273-6908 Option "0".

Partner Site Disclaimer

By accessing the noted link you will be leaving our website and entering a partner site which is hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of our website. We encourage you to read and evaluate the privacy and security policies of the site which you are entering, which may be different than those of ours. 

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A home is more than just a building, it's a beginning.

Whether you're looking to buy your first home, a new home or want to tap into the equity in your current home, we're here to help you get started.

COMPLETE AN EXISTING APPLICATION

The Northern Bank difference.

There's nothing like the feeling of owning your own home. At Northern Bank, we get that. That's why we do everything we can to make the process of financing or refinancing your home as simple and straightforward as possible. Our seasoned mortgage specialists are here to provide the personalized service you deserve with the creative mortgage solutions and fast, easy closing you need to be successful in today's challenging market. 

Mortgage Type

The right financing solutions for all your homeownership goals.

Find your dream home.

Upsizing, downsizing, or just starting out? Wherever you are in life and whatever type of home mortgage you need, Northern Bank can help you find the right solution. We provide a variety of mortgage types to meet your unique goals.

SPEAK WITH A RESIDENTIAL MORTGAGE SPECIALIST

Lower your monthly payments.

Are current interest rates lower than you are paying? Refinancing your mortgage with Northern Bank can help you reduce your monthly payments, shorten your loan term or allow you to access some of the equity in your home.

SPEAK WITH A RESIDENTIAL MORTGAGE SPECIALIST

Tap into your home equity.

Need funds for major expenses like college tuition or home remodeling? Northern Bank’s Home Equity Line of Credit (HELOC) program allows you to borrow funds, as you need them, against the equity you have in your home to pay for those expenses.

SPEAK WITH A RESIDENTIAL MORTGAGE SPECIALIST

Explore mortgage options.

FIXED RATE MORTGAGE

If you plan to stay in your new home for the long term or prefer the certainty of monthly payments that won't change during the life of the loan, a fixed rate mortgage may be the best option for you.

  • Constant interest rate for the life of the loan
  • Variable term options
  • Consistent payment amount makes budgeting easy for homeowners
ADJUSTABLE RATE MORTGAGE (ARM)

If your priority is minimizing your monthly payment or you plan to move or refinance within five years, an ARM may be the best option for you.

  • Interest rate fluctuates over the course of the loan
  • Initial interest rate is set below the market rate on a comparable fixed rate loan
  • The rate rises (or possibly lowers) as time goes on
JUMBO LOANS

If you need a mortgage greater than $484,350, you may need to look at a Jumbo Loan. Jumbo mortgages are similar to regular fixed or adjustable rate mortgages, but may have:

  • Slightly different interest rates
  • Different requirements in terms of down payments
  • Different requirements in terms of qualifying credit scores
SPECIAL SITUATION MORTGAGES

Thanks to Northern Bank's ability to hold mortgages in our portfolio, we can often be more flexible than many other lenders when parts of your application don't fit the standard industry criteria. Non-traditional situations we can consider include:

  • Non-Conforming Condominium Financing
  • Trust and LLC mortgages
  • Vacation and Seasonal Property mortgages

It takes a team.

My loan officer, Donna, at Northern Bank was always available for questions via text, phone
calls, emails, whenever I needed her, she was so responsive. There were times when I didn’t
know what a certain number meant or why I was signing a document and she walked me
through everything. I felt much more comfortable knowing she was behind the scenes
reviewing all the mortgage paperwork.

Risa F.
First Time Homebuyer

Ready to take the next step? We’re here to help!

Contact our Team to learn more about how Northern Bank can help you realize your goals and dreams. 

Contact Us