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City Town Employee Loan Program

Contact a Mortgage Specialist

We offer a City Town Employee Loan Program that is available to full time employees who work in our CRA* areas. This program applies to both purchases and refinances of your primary residence.

  • Andover
  • Lawrence
  • Lynnfield
  • Melrose
  • Methuen
  • Middleton
  • North Reading
  • Reading
  • Saugus
  • Stoneham
  • Wakefield
  • Wilmington

We may also consider a real estate loan request for properties located anywhere in the Massachusetts counties of Middlesex, Essex, Worcester, Suffolk and Norfolk, as well as, properties located anywhere in the New Hampshire counties of Rockingham, Hillsborough and Cheshire.

Program Options:

  • Mortgage Loan
    • Free appraisal
    • Free credit report
    • Reduced closing costs
  • Home Equity Line of Credit
    • No attorney fees
    • No flood certificate fee
    • No credit report fee
    • No automated value fee
    • No recording fee
  • Fixed Rate Equity Loan
    • .25% discount on our already competitive rate

*CRA= Community Reinvestment Act