Building the Community - One Home at a Time
Behind every home, there’s a story — a vision for the future. At Profile Bank, we understand that no two stories are alike.That’s why we offer personalized service, ensuring you receive the attention you deserve throughout the entire loan process.
- Free Pre-qualification
- Fixed Rate Mortgages
- Adjustable Rate Mortgages
- Construction Loans
- Land Loans
- Refinancing
- Multi-Family Investment Properties
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Refinance Special
Refinance your mortgage with Profile Bank.
We'll pay your Loan Costs.*
*Applicable "Loan Costs" are listed on your Loan Estimate. Terms and conditions may vary. All loans are subject to credit approval. Not applicable to existing Profile Bank residential mortgages. Offer valid through 12/31/2025. Cannot be combined with other offers.
Fixed Rate Mortgage
Experience the confidence of a fixed interest rate for the life of the loan - whether it's 10, 15, 20 or 30 years. Our Fixed Rate Mortgages offer low down payment options and make home ownership more affordable. Take advantage of our special programs - such as our Access to Housing Program or Mortgage Rate Relief Program to unlock even more savings.
Adjustable Rate Mortgage
Discover the flexibility of an Adjustable Rate Mortgage (ARM), featuring a lower interest rate during the first few years of the loan. Looking to invest? We also offer specialized financing for multi-family investment properties.
Helping Our Neighbors Thrive
Profile Bank's fixed-rate mortgage programs are designed to make homeownership more accessible for individuals and families across New Hampshire and Maine. These programs are not limited to first-time home buyers.
Access to Housing Program
With a down payment requirement of only 3%, we're proud to offer a new path to homeownership!* As your community bank, we've developed a program for those purchasing a 1-unit, 2-unit or manufactured home on its own land. This program has a maximum loan amount of $400,000 and your household income cannot exceed $150,000.
After purchasing your home, relax and stay a while! At no additional cost, you can request a one-time rate reduction during the first 36 months of the loan.
Rate Relief Program
Take advantage of lower rates! At no additional cost, request a one-time rate reduction within the first 36 months of the loan.** At the time of the rate reduction request, the rate will be reduced to either Profile Bank’s 30-Year fixed rate or 1% less than the borrower’s current rate, whichever rate is higher.
Construction Loans
Our construction loans offer flexible terms and interest rates with the benefit of a one-time closing. We allow twelve months to complete the construction and inspection. You also have the option of being your own general contractor. Payments will be interest only during the first 12 months, then the loan converts to regular principal and interest payments.
Land Loans
Purchasing land can be the first step to building your new home. Our land loans allow you to finance up to 75% of the purchase price or appraisal value, whichever is less. It's a great way to acquire land while you plan the building process.
Purchasing land to begin construction? We also offer Land Purchase Construction Loans.
*Qualified borrowers must meet eligibility requirements. The dwelling must be an owner-occupied primary residence. The maximum household income limit is $150,000. The maximum loan amount is $400,000. Maximum loan-to-value ratio of 97% with a minimum 3% down payment required. Homebuyer education is required. The Access to Housing program applies to the purchase of a 1-unit, 2-unit, or manufactured home on its own land. At a 6.375% interest rate, the APR (Annual Percentage Rate) for this loan type is 6.453%. Based upon the current market conditions, the monthly payment schedule for a loan amount of $100,000 would be: 360 payments of $623.87 at an interest rate of 6.375%. Payment example does not include taxes, insurance or mortgage insurance premiums; if applicable, your total payment obligation will be greater. Escrow of taxes and insurance are required. Rates are subject to change without notice. Within the first 36 months of the loan, if the borrower is current on the loan payments during the most recent 90 day period, they may request a one-time rate reduction at no additional cost. At the time of the rate reduction request, the rate will be reduced to either Profile Bank’s 30-Year fixed rate or 1% less than the borrower’s current rate, whichever is higher. All loans are subject to credit approval.
**Mortgage Rate Relief is restricted to a primary residence, 1-4 unit dwelling, 30-Year fixed rate conventional loan. Payment example: At a 6.875% interest rate, the APR (Annual Percentage Rate) for this loan type is 6.956%. Based upon the current market conditions, the monthly payment schedule for a loan of $100,000 would be: 360 payments of $656.93 at an interest rate of 6.875%. Payment example does not include taxes or insurance premiums; if applicable, your total payment obligation will be greater. Rates are subject to change without notice. Within the first 36 months of the loan, if the borrower is current on the loan payment during the most recent 90 day period, they may request a one-time rate reduction at no additional cost. All loans subject to credit approval.