Your Dream. Our Purpose.

Mortgage Solutions

From first homes to forever homes, we make homeownership happen with our real expertise.

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Outside-the-Box Banking Since 1854

Fixed-Rate? Adjustable-Rate? How much can you afford? When should you refinance?
Buying a home is stressful enough. Your banking partner shouldn’t make it harder. Our mortgage team cuts through the confusion with straight answers and creative solutions. We offer competitive rates with 0 points on all mortgages, plus specialized programs for first-time buyers and local heroes.

Why We're Different

All mortgage rates feature 0 point options: Competitive rates and zero points
Flexible loan types: Long or short-term loans with fixed or adjustable rates
24/7 online applications: Start your mortgage application anytime
Construction to permanent loans: One loan, one closing, saving time and money
Considerations for First Time Homebuyers and Local Heroes

Dream Homes Start Here

Ready to start building? Get flexible financing and expert guidance from day one.

Start Your Application

Rate	APR	Points
5.99%	6.032%	0%
5.75%	5.82%	0%
5.5%	6.149%	0%
5.5%	5.718%	0%

Important Loan Information

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Premier 30-Year Fixed require direct deposit into a Lowell Five checking account and automatic payment withdrawal.
Massachusetts residents only: Completion of a Homebuyer Education Course is required to qualify for the 15/1 ARM, 1st Time Homebuyer Program. Use the link below to access the Merrimack Valley Housing Partnership’s courses designed to help you feel confident and informed as you take the next steps toward homeownership.
Payments shown include principal and interest only. Taxes and insurance premiums, if applicable, are not included, and your actual payment obligation will be greater if an escrow account is required. Rates shown are subject to change without notice. Other programs are available. Other terms and conditions may apply. Subject to approval.
As of 1/29/26

Build It. Remodel It. Fund It.

Construction & Renovation Loans

Building or remodeling your dream home? We’ve got the team and the tools to make it happen. From jumbo to conventional loans at fixed to adjustable rates, our Mortgage Advisors work with you to find financing as unique as the project itself.

We Make Complex Projects Simple

Flexibility on loan and rate options with competitive rates
Interest-only payments during construction
Customizable construction schedules
Efficient coordination of construction requisitions to keep the project moving along
Dedicated contact person to assist with construction advances
Single loan combining construction and mortgage with one closing – saving you time and money!

Tailored Mortgage Solutions

Special Offers

Whether you're buying your first home or serve our community, we have programs designed to make homeownership more accessible.

First-Time Homebuyers

Buying a home is stressful enough. Lowell Five Bank is here to assist you and eliminate stress with special discounts to our first-time homebuyer clients.

First-Time Homebuyer Courses

Frontline Heroes

Healthcare Workers, Active Military, Veterans, Police, and Fire Personnel
Receive special mortgage considerations including lower-cost options and certain fee waivers. It’s our way of saying thank you for your service.