Mortgage Loans from Rollstone Bank | Apply for a Mortgage

Residential Mortgages from Rollstone Bank & Trust

dream & move

with a mortgage
from a bank you know & trust

Get a mortgage that fits your needs and budget with Rollstone Bank & Trust. We offer a range of flexible financing options tailored to your needs, including fixed-rate home loans, adjustable-rate mortgages (ARMs), jumbo options, first-time homebuyer programs, and land loans.

Whether you’re purchasing a new home or refinancing your current one, our team will guide you every step of the way, ensuring you have the support you need to close on your loan with confidence.

Ready to get started? It’s never been easier. View our options below or contact us today.

Fixed & Variable Rate Mortgages

Whether you’re purchasing your first home, a vacation property, or an investment, Rollstone Bank & Trust is here to guide you every step of the way. Our experienced lenders will help you explore a variety of mortgage options and choose the one that best fits your needs—today and in the future.

Local decision-making and servicing for a personalized experience
First-Time Homebuyer and Affordable Housing programs available
Financing for Primary Residences, Second Homes, Jumbo Loans, and Investment Properties

Let Rollstone Bank & Trust help you make your homeownership goals a reality.

40-Year Mortgage

If you’re ready to move from renting to owning, our 40-Year Fixed-Rate Mortgage could be the key to making it possible. This unique program offers more flexibility and affordable monthly payments — all with the personal guidance you expect from your community bank.

With Rollstone’s 40-Year Mortgage, you can:

Enjoy lower monthly payments than traditional loan options
Qualify for a higher loan amount, giving you more home for your budget
Work one-on-one with our local loan officers for personalized support every step of the way
Lock in your rate with the stability of a fixed-rate mortgage

Home Equity Flex Line of Credit

With Rollstone Bank & Trust, you can get the flexibility you want and the stability you need — all in one convenient home equity line of credit. Lock in part of your balance at a low fixed rate, while keeping the rest at a low variable rate, and manage it all with just one simple application.

Here’s what you’ll enjoy:

No closing costs or application fee
Choose to fix a portion or all of your credit line
Low variable rate — Wall Street Journal Prime minus 0.50%
Fixed Flex Rate options for added stability

Affordable Homebuyer Programs

Rollstone Bank puts your needs first. That’s why we’re proud to offer competitive, specialized programs that empower more homeowners in Massachusetts.

Equity Builder program

Begin your journey toward homeownership with the Equity Builder program (EBP), funded by the Federal Home Loan Bank of Boston (FHLB) and available at Rollstone Bank & Trust.

This grant provides eligible first-time homebuyers with up to $29,000 toward their down payment and closing costs. Learn more about the Equity Builder program and see how it can help you buy your first home. Learn more.

Housing Our Workforce (HOW) program

Get the support you need to buy a home with the Housing Our Workforce (HOW) Program. HOW, funded by the Federal Home Loan Bank of Boston (FHLB) and available at Rollstone, offers generous down payment assistance, up to 10% of the home’s price or $25,000, whichever is lower. This allows you to put more money down for a more affordable mortgage payment. Learn more.

Purchase-rehab Loans

Realize your property's potential with a purchase-rehab mortgage from Rollstone. This financing option combines the costs of property acquisition and renovations into one convenient home loan.

Construction Loans

Financing your new home doesn’t have to be complicated. With single closing for a construction loan, you’ll enjoy a smooth process from start to finish. During construction, you’ll make "interest-only" payments, helping you manage costs while your home takes shape. When construction is complete, your loan automatically converts to a traditional mortgage — no need for a second closing.

Building your home should be exciting, not stressful — and we’re here to make it easy every step of the way.

Bridge Loans

Make your move with confidence — and without the stress of a sale contingency. Our short-term bridge financing gives you the flexibility to purchase and close on your new home before your current one sells.

With this financing option, you can:

Purchase and close on your new home first
Take the time you need to sell your current home — and possibly secure a better price

It’s a smoother, simpler path to your next home — backed by the local lending team you know and trust.

Marcio Cirino

Marcio brings excellence in customer service to his role as Vice President / Retail Lending Officer. After earning his Bachelor’s Degree from Fitchburg State University, Marcio came to work at RBT, and has experience in both consumer and mortgage lending. His patience, attentiveness, and great service will help guide our customers through the process from beginning to end.

NMLS #1224234
Phone 978.343.2217
Email [email protected].