With so many mortgage types offered,
one is bound to suit your needs.
Jump down to today's low ratesIS UNIQUE
Construction
Loans
From application to
certificate ofoccupancy,
we'll be with you.
Construction Loans
We are here to help every step of the way from application right through to obtaining a Certificate of Occupancy. You can count on us to:
- Help you through the application & appraisal process
- Review your budget
- One closing
- Timely inspections for project payment draws
MAKING
Residential
Mortgages
Offering competitive
rates and attractive
mortgage solutions
Residential Mortgages
Whether you are buying a new home or refinancing an existing residence, you can talk to us about:
- Fixed and Adjustable Rate Mortgages
- Jumbo Mortgages
- Second Home & Investment Property Mortgages
- Primary Residence Mortgages
- First-Time Home Buyer Purchase Program
- Home Partnership Loans
SERVICE
Home Equity
Line (HELOC)
You decide how much
and when to borrow
Home Equity Line of Credit
Put your home's home equity to work with a line of credit.
- Personalized checks to use when you need them
- Property Insurance Required
- Borrow up to 80% of the equity in your primary home
- Only make payments on the amount you borrow
Home Equity & Solar Loans
Up to 80% of your home's equity.
Up to $50,000 for solar.
(Please call for current pricing.)
#1 Resource for Solar Loans
Martha's Vineyard Bank is your #1 resource for your home improvement financial needs, including solar loans. Trust our experienced, local team to help make one of your biggest investments a sunny experience!
Help the Environment, Reduce Costs
Going solar can help the environment, reduce your energy costs over time, and even earn you tax credits and other rebates, but it can also be a big investment up front.
Local Decisions.
With fast, local decision-making and friendly, personal service, we'll help you navigate your financing options to ensure you make the most of one of the most important investments you can make in your home or business.
Call 508-627-4266
Contact a Residential LenderSolar and home loan interest rates are subject to change. Primary and second home within bank CRA lending market and copy of contract for solar installation on the subject property by licensed installer required at time of application.
(Rates Effective: February 17, 2026)
| RATE* | 6.125% | 6.000% |
|---|---|---|
| Points | 0 | 1 |
| A.P.R. | 6.272% | 6.238% |
| Monthly payment per $1000 | $6.08 | $6.00 |
| RATE* | 5.875% | 5.750% |
|---|---|---|
| Points | 0 | 1 |
| A.P.R. | 6.119% | 6.146% |
| Monthly payment per $1000 | $8.37 | $8.31 |
Call for jumbo rates and purchase specials:
Toll-free 855-470-8623 or 508-684-4180.
* Requires an automatic monthly payment debit from a Martha's Vineyard bank checking or savings account. Without automatic debit for payment add 0.125% to the interest rate. All interest rates, Annual Percentage Rate (A.P.R.), points and caps are subject to change without notice. Rates are provided for illustrative purposes only and may vary based on loan details such as the loan amount, loan-to-value, your credit, property type and occupancy. Quoted rates are based on a refinance no-cash-out loan and owner occupied single family residence. Rates and APRs assume that an escrow account is set up for payment of property taxes, hazard insurance and mortgage insurance if applicable. A.P.R.s above assume an 80% loan-to-value.
Solar loan interest rates are subject to change.
Primary and second home within bank CRA lending market and copy of contract for solar installation on the subject property by licensed installer required at time of application.