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  1. First-Time Homebuyer
  2. Conventional Fixed Rate
  3. Adjustable Rate (ARM)
  4. Jumbo Loans
  5. Refinancing
  6. Construction
  7. Home Equity Line of Credit
If your mortgage loan is serviced by Leader Bank and you are having difficulty paying your mortgage, or have questions regarding loss mitigation programs,
please contact our Loss Mitigation Team at 781-641-8686.
If you have submitted paperwork for a possible loss mitigation and have not received a response, or are not satisfied with how your request was handled, please contact our Vice President, Loss Mitigation at 781-641-8686 or Within 3 business days we will acknowledge your request in writing and within 15 days we will resolve your request.
A flexible financing program available for first-time homebuyers to make purchasing a home as easy as possible. Advantages include a lower down payment, lower interest rates, and reduced closing costs. Be sure to check out our Homebuyer Education page for helpful tips on how to get started.
The most common type of mortgage program where the interest rate is fixed and never changes. Many term options are available.
These loans generally begin with a lower interest rate compared to a fixed rate mortgage. However, the interest rate is only fixed for a short period of time and then changes at specified intervals depending on changing market conditions, thereby increasing or decreasing your monthly mortgage payment.
A few options are available to fit your individual needs and your risk tolerance with the various market instruments.
ARMs with different indexes are available for both purchases and refinances. Choosing an ARM with an index that reacts quickly lets you take full advantage of falling interest rates. An index that lags behind the market lets you take advantage of lower rates after market rates have started to adjust upward. The two most commonly used indexes are the 1 Year U.S. Treasury Index and the 1 Year LIBOR (London Interbank Offered Rate) Index. The interest rate and monthly payment can change based on adjustments to the index rate.
Jumbo loans, also called non-conforming loans, are ideal for buyers who need a larger mortgage. Since 2009, nonconforming loans are any loans that exceed the following: $417,000 for single family, $533,850 for 2-unit, $645,300 for 3-unit, and $801,950 for 4-unit.
Refinancing pays off your existing loan with a new loan. Borrowers usually refinance to lower their existing interest rate and/or to obtain cash from their equity.
A home equity line of credit is a loan in which the lender agrees to lend a maximum amount within an agreed period, where the collateral is the borrower's equity in his/her house (akin to a second mortgage). Because a home often is a consumer's most valuable asset, many homeowners use home equity credit lines only for major items, such as education, home improvements, or medical bills.
Loans subject to credit approval.
Lender NMLS# 449250
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