Home Loans and Mortgages from RTN

Buying or refinancing a home is one of the most important financial decisions you’ll make. At RTN, we work with you every step of the way to make sure you get the credit union mortgage product or home loan that best suits your needs.  Whether you’re purchasing a home, refinancing your mortgage or tapping into the equity in your home to pay for a major purchase, we can help you.

RTN home loans and mortgages are available for one- to four-family, owner-occupied properties. Home loans with less than 20% equity require Private Mortgage Insurance (PMI).  The rate can be locked in for up to 120 days, and the mortgage application has an origination fee of $250. Our mortgage professionals will provide you with details as to when the application, appraisal and credit report fees should be paid.

If you are looking to purchase or refinance a home in New England, we offer:

FLEX Life Home Equity

Qualified members can receive a low variable home loan rate of 0.50% below the prime lending rate (as listed in the Wall Street Journal on the statement cycle date).  The current minimum Annual Percentage Rate (APR) is 3.25%.  Click here for more information

Vacation Homes and Homes for Your Retirement

We finance vacation homes and homes you plan to use for your future retirement through various Credit Union home loans, with great rates and terms. Call our Mortgage Department at 800-338-0221, ext. 9859 for details.

Apply for Your RTN Mortgage.


Before you begin looking for a home, be sure to visit our Mortgage Center for a mortgage pre-approval. Pre-approval allows you to negotiate from a position of strength, knowing in advance what you can borrow. You  also will be able to determine whether there are any issues or factors (such as credit rating) that need to be addressed before filing a formal home loan application. Mortgage pre-approval is a fee-free service for our members and their families.

Apply online for your pre-approval at RTN today!

Compare and Save with RTN Insurance Agency, LLC

Many members have found great savings on their insurance policies with RTN Insurance Agency, LLC, a subsidiary of RTN Federal Credit Union. Specialists will research, review and compare products from multiple vendors to make sure you receive the best value for the coverage you seek. Find out more about the RTN Insurance Agency and request your free quote today.


We do business in accordance with the S.A.F.E. Act and are registered with the NMLS (Nationwide Mortgage Licensing System & Registry). View our NMLS and verify our registration. RTN is an equal opportunity lender.

Upcoming Seminars

During the year, RTN offers the following free seminars:

How to Sell Your Home

Careful planning and preparation are key to selling your home. Learn how to market your home to attract the right buyer.

Wednesday, February 8, 6 to 7 pm
Danvers Branch
29 Andover Street, Danvers, MA 01923

Saturday, April 1, 9 to 10 am
Waltham Branch
600 Main Street, Waltham, MA 02452

Presented by RTN Realty Advisors, LLC. View our affiliated business disclosure information at rtnrealty.com.

Register for How to Sell Your Home

Ten-Hour, First-Time Home Buyers†

RTN partners with Massachusetts Affordable Housing Alliance (MAHA) to offer a comprehensive ten-hour, first-time home buyers seminar. Those completing all four classes become eligible for a certificate that may help them qualify for a mortgage at many financial institutions or assist with down payments and closing costs.

Tuesday, February 28 (class 1), Tuesday, March 7 (class 2), Tuesday, March 14 (class 3), Tuesday, March 21 (class 4) — 6 to 8:30 pm
Waltham Branch
600 Main Street, Waltham, MA 02452

Register for Ten-Hour, First-Time Home Buyers

Two-Hour, First-Time Home Buyers†

Learn how to find a home, why good credit is important for financing and what types of first-time home buyer programs are available.

Thursday, March 9, 6 to 8 pm
Dorchester Branch
1205 Adams Street, Dorchester, MA 02124

Wednesday, March 15, 6 to 8 pm
Frohsinn Club
25 North Quinsigamond Avenue, Shrewsbury, MA 01545

Wednesday, March 22, 6 to 8 pm
Amesbury Public Library
149 Main Street, Amesbury, MA 01913

Wednesday, March 29, 6 to 8 pm
Waltham Branch
600 Main Street, Waltham, MA 02452

Jueves, 30 de marzo, 6 to 8 pm
Presentación en Español
Oficina de Waltham
600 Main Street, Waltham, MA 02452
Para más información acerca de esta clase, por favor llame a Brian as 781-736-9864.

First-time homebuyers who complete these courses receive a $250 closing cost credit when taking a mortgage at RTN.

Register for Two-Hour, First-Time Home Buyers