Buy or Build a Home

If you are an Athol Savings Bank residential lending or home equity customer, please visit our welcome page for helpful information about your accounts and services.

Speak With Our Experienced Loan Officers

Are you looking to build or buy a home? Whether you’re building a house for the first time or you’re a seasoned veteran when it comes to mortgages, our experienced Loan Officers will lead you down the right path.

What Our Customers Say

Highly recommend using Cornerstone Bank for any mortgage loans. Communication throughout the whole process was clear and concise. 

-Dan

The team at Cornerstone Bank was great to work with. They kept me informed along the way. The online application portal is a very useful tool.

-Karlin

Down Payment Assistance Programs

At Cornerstone Bank, we’re committed to making homeownership a reality for borrowers of all income levels. Assistance programs offer loans and grants to eligible homebuyers.

Closing Cost Incentives

Buying your home is a big financial step and we have many options that can help you achieve home-ownership. We are offering great closing cost incentives!

First-Time Homebuyers

Ready for your first home? At Cornerstone Bank, we’re committed to making homeownership a reality for borrowers of all income levels.

Adjustable-Rate Mortgages

Adjustable-rate mortgages (ARMs) are a good alternative mortgage if you initially need a smaller monthly payment or haven’t yet moved up to your dream home. ARMs usually have rates lower than the fixed-rate mortgage. Features include:

  • Fast turnaround on application
  • No points, no application fees and no pre-payment penalty fees
  • Protective rate caps
  • Competitive rates

Fixed-Rate Mortgages

The rate is determined at the start of the mortgage term and does not change for the life of the mortgage.

  • Fast turnaround on application
  • No application fees and no pre-payment penalty fees
  • No point option available
  • Not subject to rate fluctuations
  • Competitive Rates

Construction Mortgages

Are you interested in building a home? We can get you started with a construction mortgage, which covers costs as you build your own house, and is then converted to permanent traditional financing for a fixed term. Cornerstone Bank offers fixed-rate mortgages for all types of home construction.

  • Fast turnaround on application and inspections
  • No application fees and no pre-payment penalty fees
  • Converts automatically to permanent financing upon completion of construction phase with no additional closing costs

Investment Property Mortgage

Are you looking to finance your investment properties? If so, we’re focused on investing in you.

At Cornerstone Bank, our 1–4 family investment mortgage can help you purchase your first rental property or add to your portfolio.

Please contact one of our Loan Officers for additional information or to apply today!

Homebuyer Resources

Ready to begin your journey towards homeownership? Use our Homebuyer Resources page to get started with what you need to know.

Looking for a loan?

Our team of professionals is here to help with personal and business loans.

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