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:

RTN Mortgages are available in all New England states.  RTN Home Equity Loans, Home Improvement Loans and Home Equity Lines of Credit are available in MA, ME, NH and RI.

 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 781-736-9859 for details.

Apply for Your RTN Mortgage.


Before you begin looking for a home, be sure to visit our Mortgage/Home Equity Loan 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 for Your Pre-Approval.


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 registered NMLS representatives.. RTN is an equal opportunity lender.

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.

Financial Education Seminars

RTN offers free, two-hour First-Time Home Buyers Seminars during the year. These seminars cover the home buyer process in detail – from pre-approval to move-in day. Topics include how to find a home, why good credit is important for financing, and what types of first-time home buyer programs are available.

Those who attend one of RTN’s first-time home buyers seminars will receive a $250 closing cost credit when taking a mortgage at RTN. Details on all financial education seminars can be on our financial education page. For more information, email FinancialEducation@rtn.org or call 781-736-9945.

Two-Hour Seminar for 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. Those attending who take a mortgage with RTN will receive a $250 closing cost credit.

Wednesday, September 26, 6 to 8 pm
Tewksbury Branch
345 Main Street, Tewksbury

Wednesday, October 17, 6 to 8 pm
Brookline Branch
365 Boylston Street, Brookline

Wednesday, November 7, 6 to 8 pm
Waltham Branch
600 Main Street, Waltham

Register for Two-Hour, First-Time Home Buyers