Middlesex Federal

Home Loans

Purchase. Refinance. Home Equity Line of Credit.

Wherever you are in your home buying journey, we're here to help.

If you're considering purchasing a new home, refinancing your existing home, or applying for home equity, work with a local lender who knows your neighborhood.   

Our mortgage lenders specialize in assisting first-time homebuyers and are condominium and jumbo loan specialists.  If you're just starting from the beginning, we'll assist you through the entire loan process, explain "what is a mortgage," help you decide if a fixed or adjustable rate mortgage (ARM) is right for you, and support you through all the steps to buying a house.

Put your trust in Middlesex Federal.  Enjoy a better mortgage experience, contact us today.

We're here to help every step of the way,
offering a better mortgage experience with a quick closing.


Here's what our customers have to say . . .

Made dream home possible
"We are so grateful to you for helping make it possible to purchase our dream home.  Without your patience, experience, and overall financial acumen, our house hunting project would not have succeeded.  Thanks so very much!"

Great service!
"We want to thank you and your staff for the many years of great service we have received from Middlesex Federal. Michael was all around outstanding; words cannot express our appreciation."

Handled refinance professionally
"Michael was extremely professional and responsive. He was on point with the handling of our refinance."

Quick approval process made it possible.
"I was able to buy the home of my dreams, thanks to the quick approval process at Middlesex Federal Savings."

Always available
"Michael was available to me at all times, answering any questions I had and walking me through the entire home buying process."

Very patient.
"Thank you (Michael) for all of your help in making our dream home come true. We really appreciate your patience while working with us through the hurdles that we encountered with this house. We are so excited to make this the home where our children will grow up!"

Best decision!
"Michael, I want to say thanks again for making this refinance and my decision to come to you first the obvious and right decision. Especially with our limited ability to be face to face or do things in person. Your regular and clear communication via email, phone and text, especially as we got going, and with lots of items to gather made things easy and without stress. . ."

Strongly recommend! Knowledgeable loan officer with high integrity and kindness!
"As 1st time home buyers, we were lost and confused . . . we were super lucky and grateful to work with Frank. Ask Frank! He won’t let you down!"

Stress-free Refinance!
"From start to finish, Frank made our refinancing process smooth and stress-free! He is knowledgeable, efficient, and genuine. Working with Frank was a no-brainer!"

"Frank made the refinance process very easy, he answered all of our questions in a timely manner, great experience and would highly recommend Frank."

Fantastic Experience - would gladly work with Frank or recommend him again
"Frank . . . worked through each step of the process with me and the underwriters to make sure everything went smoothly. He was fantastic . . . He is extremely responsive and I would gladly recommend him to friends and family."

Great experience! I strongly recommend Frank
"Frank was very professional and great to work with. He walked us through each step of the refi process, was super responsive and delivered a quick and easy transaction. I'd be 100% comfortable referring friends, family and co-workers to Frank!"

Extremely Professioal and Friendly!
"Frank was extremely helpful throughout our refinancing process. He made himself available 24/7 even to answer all our silly questions as this was our first time going through a refinance. Frank was honest and gave us great tips. If you are looking for an amazing Loan Officer, Frank is that person for you!!!"

Five star service!
"Frank was extremely helpful throughout my entire home buying process and checked in at every step along the way. Very professional and would definitely recommend his services to others in the same position."

Outstanding Service!
"Frank was great to work with. As first time home buyers he was always available to answer any questions we had. He was great in communicating everything between agents, attorneys and others involved. Will definitely recommend his services to friends and family."

Top notch service and fantastic rate!
"After years of working with another lender the seller's realtor advised us to talk to Frank to get the best rate possible. We are thankful for that advice as working with Frank and his team was a great experience and we would not have our new home without the fantastic 30 year rate Frank secured for us. . . .We could not have hoped for more from Frank and the team and, again, the fantastic rate made all the difference in getting our new home and keeping it on budget. Thank you Frank!"

Easy and smooth refinance
"Frank was fantastic to work with. He was very responsive and easy to work with. He got me the documents I needed to sign very quickly and answered all my questions promptly. Thanks to him, I got in just on time before the rate went up. I would highly recommend Frank and Middlesex Federal for refinancing a mortgage."

Professional, knowledgeable, and dependable!
"Frank was key in making our refinance process go smoothly! He was extremely honest and reliable throughout the whole experience, . . . He went above and beyond to ensure that all of our needs were met and that everything was handled thoroughly and efficiently. I highly recommend him to anyone who is looking to get a mortgage, refinance or buy a home. He is exceptional in his field. Overall, it was a remarkable five-star experience!"

Home Purchase

Home Purchase

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Home Refinance

Home Refinance

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Home Equity Line of Credit

Home Equity Line of Credit

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Middlesex Federal offers new purchase and refinance home loan solutions for primary and secondary Massachusetts properties.
1Quick 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. 
2$250 Off Closing: $250 Off Closing coupon 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.