Middlesex Federal

Mortgages Are Our Business 

Great Rates   |   Experienced Lenders  |   Condo & Jumbo Loan Specialist   |   Local Decisions  |  Quick Close

A Better Mortgage Experience Is Waiting For You
Middlesex Federal is a local community bank that understands the greater Boston market.  Whether you're looking to purchase or refinance a house, we offer first-time homebuyer programs and specialize in condominium and jumbo mortgage financing.    Middlesex Federal is committed to helping you prepare for a successful homebuying journey.  The benefit of working with a community bank is that we're here for you before, during, and after your loan closes. 

  • Great Rates with a Rate Lock Option
  • Fixed and Adjustable Rate Mortgages (ARMs)
  • Personal Service & Local Decisions
  • 30-Day Quick Close & $250 Off Closing
  • In-House Loan Servicing

First-time Homebuyer Programs
Middlesex Federal is an approved lender for the Federal Home Loan Bank Boston Equity Builder Program (EBP), Housing Our Workforce (HOW), and Lift Up Homeownership (LUH) homebuyer assistance programs. These programs are offered on a first-come-first-served basis with limited funds available.  We can help determine if you are eligible for one of these grants. Applications cannot be submitted directly by the borrower, a Middlesex Federal Loan Specialist can submit a request for funding on behalf of eligible applicants.*

Condominium & Jumbo Financing Specialists
Not all lenders are the same when it comes to understanding and processing condominium and jumbo loans.  Working with an experienced lender who understands the uniqueness of these loans can help you close on time and avoid increased costs associated with delayed application processing.  Talk to our Home Loan Specialists if you would like to discuss condominium or jumbo mortgage financing.  


Quick Close - 30 Days or Less

Most homebuyers close in less than 30 days from a signed purchase and sale agreement with a Middlesex Federal Pre-Purchase Review. We're ready when you are! 


$250 Off Closing Costs

Complete and submit the form above to request $250 off closing costs or to speak to a Home Loan Specialist about your mortgage options. 


Rate Lock Option

Stop worrying about rates changing. Lock in your interest rate for 30 to 45 days so you can focus on other things. 


In House Loan Servicing

It's nice to know that the people who helped you with your loan will still be there after it closes. 

Middlesex Federal offers new purchase and refinance home loan solutions for primary and secondary Massachusetts properties.
$250 Off Closing: $250 Off Closing will be issued upon request and must be processed before closing documents are finalized. $250 will be credited to the homebuyer at closing. Offer valid for new Middlesex Federal purchase transactions only. Limited to one per closing.
Quick Close/Pre-Purchase Review: Most homebuyers close in less than 30 days from a signed purchase and sale agreement with a Middlesex Federal Pre-Purchase Review. Pre-Purchase Review includes a review of credit report, income, and assets.  
Homebuyers Assistance:  Middlesex Federal Savings is an approved Federal Home Loan Bank Boston lender.  Our Home Loan Specialist will determine eligibility based on the FHLB guidelines and work with eligible applicants that have a signed Purchase & Sale Agreement to complete and submit a request for funding on your behalf. Applications for funding cannot be submitted directly by the borrower. All programs are offered on a first-come, first-served basis, while funds remain available. Some conditions apply, including application approval, income eligibility, and Individual program restrictions. All loans are subject to credit approval.