Ready to make a big move?
We're here to help.

House hunting in Massachusetts or southern New Hampshire? You'll focus first on floor plans and front porches, lot sizes and local schools. But at some point, you’ll need to turn your attention to how you’re going to pay for that perfect place. With so much at stake, it’s nice to work with people who have done this for decades.

Bank NMLS Number: 2478201




















Fixed-rate Mortgage Loans

With a fixed-rate mortgage loan, your monthly payment will stay the same for the life of the loan, making it easier to plan your finances well into the future.

  • Choose loan terms of 10, 15, 20 or 30 years
  • Attractive rates and low closing costs
  • Convenient online application
  • Refinancing options available
  • We service our mortgages locally, so you can direct any questions or concerns directly to us.

Adjustable-rate Mortgage Loans

Adjustable-rate mortgage loans have an interest rate that may change periodically depending on changes in a corresponding financial index that's associated with the loan. Generally speaking, your monthly payment will increase or decrease if the index rate goes up or down.

ARM loans are usually named by the length of time the interest rate remains fixed and how often the interest rate is subject to adjustment thereafter. For example, in a 5/1 ARM, the "5" stands for an initial 5-year period during which the interest rate remains fixed while the "1" indicates that the interest rate is subject to adjustment once every year thereafter.

  • Choose initial loan terms of 5 or 7 years.
  • A good option if you plan to move before the end of the introductory fixed-rate period, want an initial monthly payment lower than a fixed-rate mortgage usually offers and/or anticipate interest rates may go down in the future.
  • We service our mortgages locally, so you can direct any questions or concerns directly to us.

Accessory Dwelling Units (ADUs)

Accessory Dwelling Units (ADUs) are smaller, independent living units built on the same property as a primary residence, offering various benefits like increased housing options and potential for supplemental income. We offer a variety of financing options for ADUs to meet your needs, including construction loans, cash out refinancing, home equity lines of credit, and home equity loans.
 
Please email us or call 978-462-3106 for more information. 



























What Our Mortgage Customers Say


"Kate made the first-time homebuying process a breeze. We appreciated the personal touch of working with a local lender and found the rates to be more competitive than the larger banks we quoted


“Josh worked with us diligently over many months to help us get a mortgage for a townhouse that was under construction. He helped keep us on track so we were able to close on time with no last-minute surprises!”




 “Working with Nancy was a dream come true! As a real estate agent, it was wonderful to work with a lender that went above and beyond in the interest of my client. She not only secured the lowest interest rate, but also positioned him to receive a sizable grant."


"I cannot say enough good things about our experience with Dave and the IFS. Aside from a very competitive rate, Dave was available for any and all questions all the way through the process (and even after we closed!). He is detail-oriented, always follows through, and delivers on his promises."