Residential Lending

Manage Your Application

Check your application status and upload documents.
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Financing Options

Explore our lending solutions below, with local decisions and personal service at every step from team members with deep market expertise. If you're buying a home, our Homebuying Guide and Application Checklist can help.
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Residential Mortgages

We offer competitive fixed, adjustable, and jumbo mortgages, whether you're purchasing your first home, your next home, or looking to refinance.

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ADU Loans

Fund and build an accessory dwelling unit (ADU) to create more living space on your property for family, guests, or renters and maximize your home's potential.

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Construction Loans

Get financing for a new property or major renovation with competitive rates, one closing, and support through appraisal, budgeting, and inspections. 

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Home Equity Lines of Credit (HELOCs)

Whether you're renovating, consolidating debt, or funding a major expense, our HELOCs offer a flexible line of credit based on your home's value.

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Home Equity & Solar Loans

Access up to 80% of your home's equity or up to $50,000 for solar upgrades that may lower energy costs and qualify for tax credits.

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MassSave® Heat Loans

Get 0% interest financing on qualifying energy-efficient home upgrades, including heat pumps, insulation, hot water equipment, and more. 

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Home Partnership Loans

We help employers support employee homeownership with one closing for both the primary mortgage and employer-sponsored loan.

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Rates Effective: August 3, 2026

Today's Residential Mortgage Rates

30-Year Fixed

30-Year

Fixed-Rate Mortgage

for loans up to $832,750

Rate* 6.500% 6.375%
Points 0 1
APR 6.651% 6.619%

15-Year Fixed

15-Year

Fixed-Rate Mortgage

for loans up to $832,750

Rate* 6.000% 5.875%
Points 0 1
APR 6.244% 6.272%

For jumbo loan rates, please contact a lending specialist.

 

*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 (APR), 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. APRs 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.

Home Loan or HELOC Calculator Calculate and compare a home loan versus a home equity line of credit.
Consolidating Debt with Home Equity Calculate your debt consolidation with a home equity loan or line of credit.
Mortgage Rates View the latest mortgage rates.
Home Buying Guide A step-by-step look at what to expect when buying a home.
Home Loan Application Checklist Everything you'll want to gather before you apply, from income and asset details to the documents ...
Mortgage Payment Calculator Calculate your mortgage payment with loan terms, interest rate, insurance, taxes and more.

Contact a Lender

Tell us a little about what you're looking for and we'll connect you with the right person on our Lending team. Prefer to call? You can reach us at 501‑281‑2180 or toll-free at 851‑271‑2623.

Find quick answers in our FAQs.








Why Choose Martha’s Vineyard Bank

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Certified B Corporation™

We are Massachusetts’ first Certified B Corp bank, which means we are held to the highest standards of social and environmental responsibility.

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Community Impact

We reinvest in our communities through local lending and our Charitable Foundation, which funds scholarships, grants, and sponsorships.

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Local Service

Every interaction here is personal. Our bankers know you, decisions are made locally, and support you can count on is always nearby.