Mortgage & Home Equity

Residential Mortgage

With over 90 years of lending experience and community dedication backing us up, we are the bank you can trust your home financing needs to. Whether you're looking to purchase a home, considering refinancing your current loan, or cashing out for a special home project, we're here to assist you.

We offer flexible home financing options to fit your individual needs. Plus, the personalized service you deserve and the professionalism you expect.

  • Free Pre-Qualifications
  • Conventional Fixed and Adjustable Rate Mortgages
  • First Time Home Buyer Programs
  • New Construction Loans
  • Investment Mortgages
  • Jumbo Mortgages

Contact us today to discuss your financing needs:
mortgages@firstscotia.com

Make your dream a reality
Borrow more, pay less

  • Up to 90% financing available*
  • Purchase or refinance
  • No Private Mortgage Insurance
  • No Points
  • Escrow Available
  • Competitive fixed rate programs with 10-30 year terms

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For Example: With 10% down payment, $100,000 for 30 years, fixed at 4.056 APR, principal and interest would be $476.84 per month and have a finance charge of $72,786.54. Payment does not include amounts for taxes and insurance premiums.

*Purchase transactions based on the lower of the appraised value or purchase price. Refinance transactions based on third party appraised value.

Home Equity Connection

From our Preferred Home Equity Line to our Fixed Rate Home Equity loan, we have the option that is right for you. A home equity loan is a smart, affordable way to pay for just about anything your family needs or wants. It's also a great way to consolidate your debts and dramatically lower your monthly payments.

Title Insurance

Purchasing your home is one of the largest financial decisions you will make. Title insurance can help protect you against losses that could occur if you discover, after closing, that someone else can claim ownership of your property. Protect your real estate investment with Title Insurance.

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