Refinance Your Home:  Let Your Home Work For You Icon

Refinance Your Home:  Let Your Home Work For You


Refinancing your home is a smart way to take advantage of your home’s equity.  By refinancing, you pay off your existing mortgage and replace it with a new one so you can shorten the term of your mortgage; convert from an adjustable rate to a fixed rate (or vice versa); or reduce your monthly payments so you can keep your money where it belongs—in your pocket.

If you refinance for more than what you owe on your mortgage, or if you own your home free and clear, you can take cash out and use it for any reason—fund a home improvement project, pay tuition, consolidate your bills or make a major purchase.

Our Mortgage Specialists can help you understand the choices available to you.  In addition to our great rates and variety of terms, we offer personalized services so you can be sure the decision you make is right for you.

RTN mortgages are available for primary residences as well as second homes located in New England. Rates are locked in for up to 60 days, and our closing costs are competitive and affordable.

Single Family Homes and Condos

Fixed Rates

  • Loans up to $1,000,000
  • 10, 15, 20 and 30 year terms
  • No point options
  • Financing up to 95% (with no cash out)
  • Additional terms and conditions may apply

Adjustable Rates

  • Loans up to $1,000,000
  • Three adjustment period options, 30 year terms
    • Rate is fixed for three years, then adjusts every three years thereafter (3/3)
    • Rate is fixed for the first five years, then adjusts annually (5/1)
    • Rate is fixed for the first seven years, then adjusts annually (7/1)
  • No point options
  • Financing up to 95% (with no cash out)
  • Additional terms and conditions may apply

Two-to-Four Family, Owner-Occupied

  • Loans up to $1,000,000
  • 10, 15, 20 and 30 year terms
  • Fixed and adjustable rates
  • Additional terms and conditions apply

No closing cost options also are available.

Tax Savings

Interest payments on your mortgage loan may be tax deductible (within qualifying IRS regulations). Check with your accountant or tax advisor.

Our Mortgage Specialists are available to answer your questions and concerns. Contact us at 781-736-9859 or mortgage@rtn.org. You may also visit an RTN branch to meet with one of our Mortgage Consultants.

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