BUY A HOME We offer a wide range of affordable mortgage options designed to fit your unique needs. Whether you’re purchasing your first home, upgrading, or settling into your retirement spot. Our experienced team will help you find the best financing solution. Lending in Massachusetts, Rhode Island, and New Hampshire. Mortgage ResourcesMortgage RatesYour Mortgage loan Officers Get Pre-Approved Start here to set yourself up for success. Get Started Mortgage Options Conventional Fixed Rate Set it and forget it. The interest rate remains fixed, providing predictable payments and peace of mind. + Conventional Fixed-Rate Set it and forget it. With a fixed-rate mortgage, your interest rate, monthly principal, and interest payments are set for the life of the loan. Contact a Mortgage Loan Officer Close Jumbo Mortgages Designed for larger, high-value homes exceeding $806,500. Available in fixed or adjustable-rate options, jumbo mortgages help you finance homes, including primary residences, second homes, and condominiums. + Jumbo Mortgages Big house, big loan. Jumbo loans let you finance homes above $806,500. Features · Fixed and adjustable rate options· Available for single-family and condominium primary residences, as well as second homes Contact a mortgage loan officer Close Construction Loans Whether you’re building a new home, renovating, or expanding your current residence, our construction loans feature competitive fixed and adjustable rates. They include interest-only payments during construction and a single closing process for both construction and permanent financing. + Construction Loans Buying land, building or re-building a house, renovating or adding to your home? It’s all covered with a construction loan. Features An experienced team of construction loan professionals Competitive fixed and ARM rates with zero points Single closing for construction and permanent financing Interest-only payments during the construction period Inspections and disbursements handled quickly and in-house Contact a mortgage loan officer Close FHA Mortgage Backed by the federal government, FHA loans require as little as three and a half percent down. They are designed for buyers with less cash available upfront and are suitable for those looking for a manageable, flexible financing option. + FHA Mortgage The federally insured, low down payment option. Government-backed FHA loans help eligible homebuyers purchase a single-family home with as little as 3.5% down. Features Less than 20% down payment Fixed-rate loans that fully amortize over their term Contact a mortgage loan officer Close TruBlue The TruBlue Mortgage requires only a 5% down payment and does not include private mortgage insurance. Additional benefits include a $500 down payment supplemented by gift or grant funds, along with local decision-making and quick closing times. + TruBlue Breathe easier with the TruBlue mortgage option, requiring no PMI1 and only 5% down. Features Local decision-making and quick closings Only 5% down2 and no PMI $500 down payment supplemented by a gift or grant Pre-approval available with Lock & Shop program Available for first-time and repeat homebuyers in Bank’s primary lending area3 TruBlue has expanded guidelines for Attleboro, Brockton and Taunton, including lower minimum down payment of 3% and qualifying income of up to 100% of area median income. 1Private Mortgage Insurance. 2Mortgage loans are available to qualified applicants who meet Bluestone Bank’s current loan guidelines for owner-occupied single-family residential properties within the Bank’s primary lending area. Borrower cannot own any other property at the time of closing, can have qualifying income of no more than 80% of area median income, and must have a credit score of at least 660. Financing up to 95% loan-to-value for home purchase loans, with only $500 minimum contribution from the buyer and remainder by gift or grant. Ask about interest rates and terms available. Offer is subject to credit history, loan amount, loan-to-value and debt-to-income ratios and is subject to change without notice. Some conditions/limitations apply. All loans are subject to credit approval. 3Available for eligible homebuyers of a single-family home or condominium in Abington, Attleboro, Bellingham, Berkley, Bridgewater, Brockton, Carver, Dighton, Duxbury, East Bridgewater, Easton, Foxborough, Franklin, Halifax, Hanover, Hanson, Kingston, Lakeville, Mansfield, Marshfield, Middleboro, Norfolk, North Attleboro, Norton, Norwell, Pembroke, Plainville, Plympton, Raynham, Rockland, Scituate, Sharon, Taunton, Walpole, West Bridgewater, Whitman, and Wrentham. Contact a mortgage loan officer Close MassHousing Programs These programs provide low down payments, reduced private mortgage insurance premiums, and access to state-sponsored down payment assistance grants and loans. They are ideal for first-time buyers and those seeking affordable, sustainable homeownership. + MassHousing Mortgage The low-PMI1, low down payment option and the most successful state housing program in the nation. Bluestone Bank also offers the MassHousing Down Payment Assistance Program (DPA), which allows qualified first-time homebuyers to finance up to 100% of the price of a single-family home or condo.4 Features Fixed rate option Low down payment option Low PMI premiums with job loss insurance 1Private Mortgage Insurance. 4Fixed-rate second mortgage provided in conjunction with a MassHousing first mortgage for up to 3% of the purchase price or $12,000, whichever is less. Available for first-time homebuyers with annual incomes at or below the area median income. Varies by county. Contact a mortgage loan officer Close VA Mortgage Veterans and active service members can take advantage of fixed-rate loans with no down payment required. These loans recognize your service and offer favorable terms to help you achieve homeownership. + VA Mortgage The fixed-rate, low- or no-down payment loan for veterans. VA mortgages recognize your service and help realize your dream of home ownership. Features Fixed-rate loans that fully amortize over their term No minimum down payment Contact a mortgage loan officer Close USDA Mortgage Available in eligible rural and suburban areas, USDA loans offer zero down payment and fixed-rate financing guaranteed by the federal government. They provide an excellent opportunity for qualifying buyers to purchase in rural towns with little to no upfront cash. + USDA Mortgage The zero-down option. Take advantage of fixed-rate loans guaranteed by the federal government with no minimum down payment when you buy a home in a USDA-eligible town and meet this program’s maximum income guidelines. Features Fixed-rate loans that fully amortize over their term No minimum down payment required Contact us for a list of USDA-eligible towns Contact a mortgage loan officer Close Chattel Loans If you’re in the market for a manufactured home we can help make the process easy with our fixed-rate loans with various terms. + Chattel Loans Personal property loans secured by a manufactured home and offered in bank-approved manufactured housing parks, including: High Pond Estates, Bridgewater Stone Meadow, Bridgewater Meadow Woods Estates, Carver Oak Point, Middleboro Plimoth Commons, Plymouth Leisurewoods, Rockland Colonial Estates, Taunton Titicut Estates, Taunton Features Fixed-rate loans with various terms Contact a mortgage loan officer Close Ready to Apply? Mortgages Construction Loans Refinance Home Equity Contact a mortgage loan officer Programs Lock & Shop Program Lock in your interest rate today while you shop for your new home. Our Lock & Shop program allows you to secure today’s rate for up to 180 days, giving you peace of mind during your home search. + Lock & Shop Program You invest a lot of time and effort into finding the perfect home. Our Lock & Shop Program takes some of the stress out of the process and puts you in the best competitive position by getting you pre-approved. Guard Against Rising RatesWorried about rising interest rates? Get the peace of mind that comes with pre-approval. Our Lock & Shop Program lets you lock in a rate and shop for a home at your own pace, knowing you’re fully pre-approved. Boost Your CompetitivenessWhether you’re up against a hot market or sellers seeking pre-approval before considering an offer, Bluestone Bank can help. We’ll underwrite your credit, employment, income, and assets and issue a Home Buyer Certificate to verify your borrowing ability. Apply Now Get pre-Approved Close Save Your WayHome Account Start saving for your dream home withpersonalized support and other helpful perks. + Save Your Way Home Account A place to save for down payment and closing costs on your dream home and the personalized support to make sure you get there—that’s the Save Your Way Home account. Whether you’re saving up money from family gifts or monthly direct deposits from work,the Save Your Way Home account offers 3.30% APY5 on balances between $1,000 and $100,000. Plus, you’ll benefit from a free pre-approval from Bluestone Bank6, monthly progress reviews with one of our expert Mortgage Loan Officers, and a $250 closing cost credit7! 5This is a variable rate that is subject to change after the account has been opened. Minimum balance to open account is $1,000. Minimum balance to receive APY: $10.01-$1,000.00 (0.05% APY), $1,000.01-$100,000.00 (3.30% APY), & over $100,000.01 (0.05% APY). Fees may reduce the earnings on the account. Rates effective 02/18/2026. 6Pre-approval from Bluestone is required to open an account. 7A credit of $250 towards closing costs will be issued at time of settlement on the Closing Disclosure. Please speak to your Loan Officer for further details. Contact a Mortgage Loan Officer Close Down Payment Assistance Programs Makes homeownership more accessible with grants and low-interest loans designed to help cover your down payment and closing costs. Many programs in our area offer support for qualifying buyers, reducing upfront costs and making your dream home more affordable. + Down Payment Assistance Programs Equity Builder Available through the Federal Home Loan Bank (FHLB), the Equity Builder Program (EBP) serves income-eligible homebuyers with grants of up to $32,099 for down payment and closing costs. Bluestone Bank supplements EBP grants with a $4001 closing cost credit for eligible recipients. Grant funds are limited and awarded on a first-come, first-served basis. EBP grants are forgivable after five years, subject to conditions. Offered in Massachusetts, Rhode Island, and New Hampshire. Housing Our Workforce (HOW) Also available through the FHLB, the HOW grant program provides up to $25,000 in assistance to homebuyers whose incomes exceed the EBP grant level. Grant funds are limited and awarded on a first-come, first-served basis. HOW grants are forgivable after five years, subject to conditions. Offered in Massachusetts, Rhode Island, and New Hampshire. MassHousing Down Payment Assistance (DPA) MassHousing’s Down Payment Assistance (DPA) programs provide funds of as much as $30,000 through a 2nd mortgage in connection with a MassHousing 1st mortgage and allow qualified first-time homebuyers to finance up to 97% of the purchase price of the home. Eligibility for DPA is subject to income and acquisition cost limits, and repayment terms vary, with the balance due and payable on the sale of the home or payoff or refinance of the 1st mortgage. Offered in Massachusetts. Contact a Mortgage loan officer 1A credit of $400 towards closing costs will be issued at time of settlement on the Closing Disclosure. Please speak to your loan officer for further details. Close Helpful Calculators RefinanceCalculator CALCULATE How much homecan I afford? CALCULATE Mortgage Glossary Learn More Buying Your First Home Learn More How Credit ScoresImpact Home Loans Learn More
