Phone: 978.443.3337

Sage Bank provides credit on a non-discriminatory basis.

  • 			    Welcome to the Bank of Interdependence

    Welcome to the Bank of Interdependence

  • 			    Welcome to the Bank of Interdependence

    Welcome to the Bank of Interdependence

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PRE-QUALIFY

See if you qualify for a new mortgage before you apply. Fill out this quick and secure form to Pre-Qualify

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BRANCH LOCATIONS

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Whether you are purchasing, refinancing or building your new residence, vacation or investment property, Sage Bank has a mortgage program to meet your individual needs.  Loan programs are available to qualified applicants, with as little as a 3.5% down payment. 

Fixed Rate Mortgage

  • The interest rate is fixed for the life of the loan
  • The principal and interest payment never changes
  • Loans with terms from 10 to 30 years
  • The shorter the loan term the faster equity is built up in the property
  • Prepaying loan principal will shorten the loan term

Adjustable Rate Mortgage

  • Initial rate is fixed for up to 10 years
  • Lower rate than Fixed Rate Mortgage allows higher price and loan qualification
  • Future rate changes limited by interest rate caps
  • Loan terms up to 40 years

First Time Homebuyer Program

  • Discounted Closing Costs
  • No points or origination fee
  • As little as a 3.5% down payment
  • No mortgage insurance with a 10% down payment for a single family or condominium

Reverse Mortgage Loans

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Home Refinance
Home Purchase
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By providing your SSN, our brokers will know you're sincere about obtaining a loan. You will get better rates & terms, and your credit will never be affected.

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Select Property Type
Single Family
Multi Family
Condominium
Townhouse
Manufactured Home
What Is The Property Use
Primary Residence
Vacation Home
Investment
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Very Good
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Estimated Purchase Price
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Down Payment
0% VA/USDA
3% Conv.
3.5% FHA
5%

10%
20%
Military Service?
Yes
No
You Expect To Buy Within?
30-45 Days
2-3 Months
6 Months
Longer
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Recent Articles

Oct
18
2017
Is Refinancing Right for You?
Thinking about refinancing your mortgage? Learn the facts before you decide if that's the right choice for you! Although refinancing offers the financial relief, rate stability, and access to money that you may not be able to get by other means, there are occasions that we caution our...
Oct
11
2017
All About Assumable Mortgages
An assumable mortgage is a home loan that allows you to take over a seller’s home loan instead of applying for your own mortgage. However, not all mortgages are assumable — typically only some FHA and VA loans are assumable. An assumable mortgage is best done with lender...
Oct
04
2017
Self-Employed? Here's How to Get a Home Loan
A critical factor for qualifying for a home loan is your income. Understandably, lenders need to know that you have a stable income that allows you to sustain a mortgage. While traditional homebuyers can prove this easily with a standard W2 from their employer, a self-employed borrower...
Sep
27
2017
What is a Second Mortgage and What are the Benefits?
Owning a home is one of the best investments you can make in your lifetime, but sometimes the budget can get tight. Along with the typical home-related bills like mortgage note payments, household utilities, and any required repairs—there's also the additional financial...