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Loans
Borrowing has the potential to enrich and improve lives. We’re here to empower you with our lending services.
Keeping Lending Under Our Own Roof
We never have to check with “corporate” or with third-party underwriters in another state, because most of our loans are true portfolio loans. That means your loan originates with us and is retained by us, and all your payments are made here. That’s really important to us as Portsmouth’s local bank. It’s our way of maintaining superior customer service, while making a genuine investment in the community.
We Put Your Interests First
Not only does our team offer exceptional and diverse borrowing ideas, we’re very dedicated to customer service. One way we support this dedication? Our loan officers don’t work on commission, and therefore they always put your best interests first. If you haven’t visited our bank yet, come in and talk with one of us.
New England Loans: What We Do Best
Our loan officers will guide you through the entire lending process, from the initial application to closing and beyond. We believe designing a loan that truly meets your needs takes a commitment from a loan officer who has the knowledge and experience to accommodate you. We look forward to working closely with you to satisfy your objectives — it’s what we do.
Leader in Mortgage Loans in NH, ME, & MA
We take pride in being one of the Seacoast’s leading home mortgage lenders. We’re here for you, with clear and prompt communication during every step of the process. And since everything we do is under one roof, if we don’t have an answer to one of your questions, we know who to ask. There’s also no waiting for the “main bank” to review and approve your application. It all happens right here, with real people you know and trust.
Your Options
Offering fixed and adjustable rates is just the beginning. Our friendly and experienced team of loan officers will guide you through a variety of financing options. You’ll see why our customers trust and rely on us to secure the best, most flexible lending plans for their needs.
A Family Bank First
We’re dedicated to our customers — and our community. Many of our customers have been with us for generations, but we’re always excited to welcome new people. Whether you’re new to the area or just new to us, please come see us anytime.
Benefits
Enjoy superior service from the Seacoast’s oldest financial institution, including:
- Prequalification “on the spot,” at no charge
- Preapproval in 48 hours or less, at no charge
- Competitive rates
- Tailored terms to fit your personal needs
Loan Options
We offer a variety of loans for life’s most important moments.
Local Mortgage Loans
Piscataqua Savings Bank offers the advantage of both conforming and non-conforming mortgage loans.
New Hampshire Consumer Loans
From automobile to collateral, we offer a wide range of flexible consumer loans for our customers.
Home Equity Loan in New Hampshire and Southern Maine
At Piscataqua Savings Bank, we offer an all-purpose solution with the only loan you’ll ever need — including HELP, or Home Equity Line Plus.
Unique Offerings
Because there’s no “standard loan” that can possibly work for every individual customer, we offer a variety of customized options.
Loan Rates
We take pride in offering the best Adjustable Rate Mortgage portfolio loans in the area.
Loan Resources
Need to fill out a change of address form or set up automatic transfer authorization for your loans?
Loan Application and Approval
Applying for a personal loan at Piscataqua Savings Bank is designed to be straightforward and efficient. Customers can easily fill out the online application form, which requires personal and financial information, including credit history and income details. Once submitted, our dedicated lending team will review the application and make a decision based on the customer’s creditworthiness.
If approved, customers will be offered a loan with a competitive annual percentage rate (APR) and a maximum loan amount tailored to their credit history and income. Customers can then review and accept the loan terms, and we will promptly disburse the funds.
To qualify for a personal loan, customers must meet our minimum credit score requirements and demonstrate a stable income. We also offer a loan discount for customers who maintain an active checking account, set up automatic payments, and have an active credit card product with us.
Meet Our Loan Officers
Don’t hesitate to contact any one of our knowledgeable team members directly to see how we can find the right product for your unique needs.
Cheri DeLorge
Vice President/Loan Officer
NMLS: 785692
Michael Schulenberg
Loan Officer
NMLS: 313608