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Personal Banking

Mortgages & Loans

Finance your investment with FSB!

We know the mortgage and loan process can be daunting.

That’s why our friendly mortgage professionals are dedicated to helping you find the right loan. Whether you’re thinking of purchasing your first home, refinancing your current mortgage, or are interested in investing in a second home, your loan officer will assist you through the application process.

Husband and wife unpacking boxes

Residential Mortgages

Find the home of your dreams!

First-Time Home Buyer Mortgages

Looking to purchase your first home? Franklin Savings Bank has a program to help you realize your dream of home ownership! FSB’s professional and experienced staff can help you navigate through the maze of purchasing and financing your home. FSB is here to help you make smart choices about one of the largest investments you will make in your lifetime.

  • Fixed rate
  • Low down payment
  • Interest may be tax deductible*
  • No prepayment penalty
  • Eligible for down payment and/or closing costs assistance when funds are available
  • Maximum income guidelines apply

*Consult your tax advisor for more information

Construction Mortgage

Planning to build your dream home? We have an exciting loan option for you. Franklin Savings Bank’s one-step Construction Mortgage allows you to pay interest-only on the funds  as they are used — making that tough transition period from your current home to your new home a much easier one.

  • Interest only payment for 9 months while you construct your home
  • Interest only accrues on the amount that is outstanding each month
  • Fixed or variable interest rate
  • Interest may be tax deductible*
  • No prepayment penalty
  • Stick built or modular construction

*Consult your qualified tax advisor for more information


Residential Mortgages
  • Fixed or variable rates available
  • Various terms
  • For purchase or refinance
  • Interest may be tax deductible*
  • Low down payment
  • Minimal processing time
  • Automatic Payments Available

*Consult your qualified tax advisor for more information

NH Housing Home Loans

Specially designed for low- to moderate-income homebuyers, New Hampshire Housing Loans offer you some of the lowest fixed-rates on the market today. If you are a first-time homebuyer, this is a great option for you!

*Consult your qualified tax advisor for more information

Second Home Mortgage

Looking to purchase a ‘home away from home’? Our Second Home Mortgage is a great option for those looking to purchase a camp, summer home, or vacation property. As an added bonus, seasonal property owners can use this loan to access equity. Our seasonal home mortgage loans are so easy, you’ll have no problem kicking back and relaxing.

  • Can be used to purchase a property or refinance an existing property
  • Fixed and Adjustable interest rates
  • Interest may be tax deductible*

*Consult your qualified tax advisor for more information.


Land Mortgage

Find that perfect spot for your new house? Want to purchase the land now? Get a great deal on a loan through Franklin Savings Bank and begin building equity.

  • Adjustable interest rate
  • May purchase land for use in the future

Manufactured Home Mortgage

Franklin Savings Bank’s Manufactured Home loan offers an adjustable rate program for your single- or double-wide home on your own property.

  • Adjustable interest rate
  • May qualify for specific New Hampshire Housing loans
  • Interest may be tax deductible*
  • Homes must be manufactured within the last 25 years; homes older than 15 years, require a home inspection

*Consult your qualified tax advisor for more information

Home Equity Options

Put the equity in your home to work for you! A home equity loan or a home equity line from FSB allows you to use your home’s equity to help you finance repairs, new appliances, a fresh coat of paint, or whatever you need! Our home equity products are only available to existing FSB mortgage customers. 

Home Equity Loan Details:

  • Fixed interest rates
  • Fixed monthly payment
  • One lump sum disbursement at closing
  • Interest may be tax deductible*
  • Quick processing time
  • Variety of terms
  • Competitive Rates

Home Equity Line of Credit Details: 

  • Variable interest rate
  • Access simply by writing a home equity check
  • Advances may be used at the discretion of the borrower
  • Interest may be tax deductible*
  • Automatic Payments available
  • Variety of payback options available
  • Competitive Rates

*Consult your qualified tax advisor for more information

Switching Banks

Is As Easy As 1.2.3

Consumer Loans

We make lending easy!

Home Improvement Loans

Need to do some home improvements?  Does your furnace or roof need replacing? Let Franklin Savings Bank help you.

  • No collateral required
  • Fixed interest rate
  • Automatic Payments available
Personal Loans
  • No collateral required
  • Variety of terms available
  • Assortment of payment schedules
  • Fixed interest rate
  • Automatic Payments available
Auto Loans

Need a new set of wheels? Whether you want to buy a brand new vehicle or a ‘new-to-you’ car, we have the auto loan that’s right for you.

  • Can be used to purchase a new or used car
  • Automatic Payments available

Click here for an estimate on how much your vehicle is worth.

Recreational Vehicles

In the market for a new “toy”? Go ahead—you deserve a little fun! Whether it’s built for the snow, the open road, or the water, FSB will help you finance your dream vehicle!

  • Can be used for 4-wheelers, boats, snowmobiles, jet skis, and more!
  • Automatic Payments available

Visa® Debit Cards

Shopping has never been easier!

Mortgage & Home Equity Lending Team

We’re with you every step of the way!

Ronald Poitras, Residential Loan Originator

Ron Poitras

Residential Loan Originator

NMLS #47643

Direct Line: 603.934.0421

Mobile: 603.455.8841


Nancy Watson, Home Equity Lender & Boscawen Branch Manager

Nancy Watson

Home Equity Lender & Boscawen Branch Manager

NMLS #1294784

Direct Line: 603.934.0461


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