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Home > Loans > Piscataqua Savings Bank is committed to helping our community achieve financial goals with competitive and flexible loan options. Whether you’re purchasing your first home, refinancing your mortgage, or seeking financing for a personal project, our loan rates are designed to fit your unique needs.
With a focus on personalized service and local expertise, we make the borrowing process simple and convenient, so you can focus on what matters most. Explore our loan rates today and discover how we can support your financial future.
By focusing on you, and limiting our geographic service area to Portsmouth and the surrounding towns, we’re able to provide the superior banking experience — and exceptional rates — our customers have counted on since 1877.
We offer both fixed and adjustable rates across a wide range of loan types. Review our competitive rates below and check back often, as this page is updated daily.
Please call us at 603.436.5250 to speak with an experienced, knowledgeable loan officer about your special requests, or apply online now.
All rates are subject to change without prior notice and offers of credit are subject to credit approval.
Call 603.436.5250 for correspondent rates.
Conforming fixed rate loans are ideal for individuals looking to purchase or refinance a home that meets loan size limits set by Fannie Mae and Freddie Mac. These loans offer a predictable monthly payment with a fixed interest rate, ensuring financial stability over the life of the loan.
Piscataqua Savings Bank always offers competitive interest rates, personalized service, and a commitment to helping customers achieve their homeownership goals.
Owner occupied rate loans are designed for homeowners intending to live in the property they purchase or refinance. These loans provide favorable terms and lower rates, reflecting the reduced risk of owner-occupied properties.
With Piscataqua Savings Bank, you can trust in a tailored loan experience that prioritizes your unique needs, paired with expert local knowledge and guidance throughout the process.
Non-conforming or jumbo loans cater to buyers or homeowners seeking financing for properties exceeding the conforming loan limits. These loans allow borrowers to purchase luxury or high-value properties while still enjoying competitive rates.
Choosing Piscataqua Savings Bank for jumbo loans ensures access to personalized loan options, expert local decision-making, and a reliable partner focused on your financial success.
|
Product |
Rate |
APR |
|---|---|---|
|
30 Year Fixed |
7.00% Information based on a mortgage loan to purchase a single-family, primary residence located within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR calculation assumes a $400,000 loan amount with a 20% down payment. The estimated monthly payment for this loan would be.
Estimated payments do not include amounts to be held in escrow for property taxes, homeowners’ insurance, mortgage insurance & flood insurance if applicable. Rates and payments are for informational purposes only. Your actual rate and payment will depend on various factors including loan product, loan amount, occupancy, and other factors. This is not a commitment to lend. Rates are subject to change without notice. |
7.073% |
|
15 Year Fixed |
6.875% Information based on a mortgage loan to purchase a single-family, primary residence located within the Piscataqua Savings Bank lending area. Rate lock period is 45 days. The APR calculation assumes a $400,000 loan amount with a 20% down payment. The estimated monthly payment for this loan would be.
Estimated payments do not include amounts to be held in escrow for property taxes, homeowners’ insurance, mortgage insurance & flood insurance if applicable. Rates and payments are for informational purposes only. Your actual rate and payment will depend on various factors including loan product, loan amount, occupancy, and other factors. This is not a commitment to lend. Rates are subject to change without notice. |
6.865% |
|
Product |
Rate |
APR |
|---|---|---|
|
3/1 ARM |
5.625% Information based on a mortgage loan to purchase a single family; primary residence located • 36 payments of $4,605.25 at an interest rate of 5.625% Estimated payments do not include amounts to be held in escrow for property taxes, |
6.897% |
|
5/1 ARM |
5.750% Information based on a mortgage loan to purchase a single family; primary residence located • 60 payments of $4,668.58 at an interest rate of 5.750% Estimated payments do not include amounts to be held in escrow for property taxes, |
6.721% |
|
7/1 ARM |
5.875% Information based on a mortgage loan to purchase a single family; primary residence located • 84 payments of $4,732.30 at an interest rate of 5.875% Estimated payments do not include amounts to be held in escrow for property taxes, |
6.613% |
|
10/1 ARM |
6.125% Information based on a mortgage loan to purchase a single family; primary residence located • 120 payments of $4,860.88 at an interest rate of 6.125% Estimated payments do not include amounts to be held in escrow for property taxes, |
6.575% |
|
Product |
Rate |
APR |
|---|---|---|
|
30 Year Fixed |
7.50% Information based on a mortgage loan to purchase a single-family, primary residence located • 360 payments of $5,593.72 at an interest rate of 7.50% Estimated payments do not include amounts to be held in escrow for property taxes, |
7.575% |
|
15 Year Fixed |
7.375% Information based on a mortgage loan to purchase a single-family, primary residence located • 180 payments of $7,359.39 at an interest rate of 7.375% Estimated payments do not include amounts to be held in escrow for property taxes, |
7.495% |