Mortgages

Our Mortgage Advisors can help you buy, build or refinance your dream home.

Whether you're buying a single family, multi-family or condominium home, Salisbury Bank has mortgage programs to meet your needs. If you're a first-time buyer, trading up to a larger home, or looking for that perfect vacation home, our experienced team of mortgage advisors will work with you to help you buy a home that fits your finances - and your dreams.

• Our Mortgage Advisors offer knowledgeable, experienced and local professional service.
• Personalized service from application to closing.
• We welcome first-time homebuyers.
• We can help whether you are trading up to a larger home or downsizing to something smaller.
• We specialize in second home purchases.
• You can be pre-qualified in minutes.
• We partner with local appraisers, inspectors and attorneys.
• Fixed and adjustable rate programs available.
• Refinancing at competitive rates
• Specializing in Connecticut, Massachusetts and New York.

"Move-In Mortgage"

We understand that finding the perfect mortgage is sometimes harder than finding the perfect home. With a Salisbury Bank "Move-In Mortgage", closing day is closer than you think! Our Mortgage Advisors will work hand-in-hand with you to help you find your perfect mortgage match. Every effort is focused on closing a loan that delivers real value to fit your individual needs, while making the process educational, fast and easy.

"Blueprint Construction Loan"

We understand the unique demands associated with new home builds, pre-fabricated assembly and custom dream homes. Our "Blueprint Construction Loan" ensures that you will have personalized service from application to closing. Working with our Mortgage Advisors, you'll soon learn that our knowledge, experience and partnership make us one of the most important members on your crew.

• One closing - construction loan rolls into permanent mortgage
• Land purchase can be included in the loan
• In-house inspection department saves time and money

"Home Makeover Loan"

You are a visionary. You see a house or a property and see potential. A wise investment does not escape you. The work involved does not deter you. We understand the unique demands associated with teardowns and extensive renovations. Our "Home Makeover Loan" offers flexible financing on current property value plus the value of improvements rolled into one low cost mortgage.

• One closing - construction loan rolls into permanent mortgage
• 80% financing on current property value plus value of improvements
• In-house inspection department saves time and money

"Country Estate Loan"

Sometimes, the winding road to that idyllic country estate takes a detour when you try to obtain a mortgage. "Unique" and "special" properties with amenities such as excess acreage, farmland or outbuildings can create a paper trail of their own. Our "Country Estate Loan" offers a short cut to financing that special property and can help you sidestep potential road blocks by offering custom and creative mortgages.

• Executive properties
• Equestrian properties and hobby farms
• Excess acreage and outbuildings
• Homes with vineyards
• Jumbo and second home financing
• Multiple loan options to fit any situation

Mortgage Pre-Qualifications

• House shop with confidence.
• Find out how much house you can afford.
• Take the worry out of applying for a mortgage.

Call 800-222-9801 to talk to one of our experienced Mortgage Advisors.

Home Equity Loans and Lines of Credit

Your home's equity is as good as money in the bank.

Need a new kitchen? A big tuition bill around the corner? Home improvements? When you need money to pay for major expenses, the equity that is built up in your home can be a source of real borrowing power.

Salisbury Bank offers two ways to borrow against the equity in your home. Whether you choose our Home Equity Line of Credit or Home Equity Loan, you'll enjoy these advantages:

• Use your equity to finance a new addition, consolidate bills, buy a new car or pay college tuition.
• Competitive rates.
• Interest payments may be tax-deductible. (Ask your tax advisor for details.)

Home Equity Line of Credit

• Use your available credit line again and again just by writing a check.
• Money you don't use stays in reserve until you need it.
• Make interest-only monthly payments based on outstanding balance.
• Make principal payments any time.
• Convenient monthly statement.

Home Equity Loans

• Fixed interest rate and term.
• Fixed monthly payments include both principal and interest.
• Make principal payments any time. 

Consumer Loans

Auto Loans 

If you are purchasing a new or used car, we can help!

• Fixed rates for predictable monthly payments.
• Rate discounts with auto pay from your Salisbury Bank checking account.

Personal Loans

Our unsecured personal loan offers an easy way to obtain cash for personal needs.

• Fixed rates for predictable monthly payments.
• Rate discounts with auto pay from your Salisbury Bank checking account.

Home Improvement Loans

Whether you need a new furnace, updated plumbing, or new carpeting, we can help!

• Fixed rates for predictable monthly payments.
• Rate discounts with auto pay from your Salisbury Bank checking account.

Overdraft Line of Credit

Protect yourself from embarrassing overdrafts by linking your checking account to our Overdraft Line of Credit. In the event of an overdraft, funds will be automatically transferred from your line of credit to your checking account to cover your checks.

Savings and Stock Secured Loans

Our Savings and Stock Secured Loans let you borrow against your certificates of deposit, savings accounts, and stocks or bonds.

• Both installment and demand options available.
• Attractive, competitive rates.