SSL Secured
Privacy Protected
Licensed & Regulated
MortgageLenderNearMe
Pittsfield, ME

The Best Mortgage Lenders in Pittsfield, ME

Compare verified mortgage lenders serving Pittsfield, Maine. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
628+
Reviews
10
Loan Types

Available Loan Programs in Pittsfield

Conventional
FHA
VA
USDA
Jumbo
Construction
Refinance
First-time Homebuyer
Home Equity
Construction-to-Perm

Featured Mortgage Lenders

1

Bangor Savings Bank Mortgage Department

Bangor Savings Bank

★★★★☆
4.8/5

Bangor Savings Bank is one of Maine's most trusted and highest-rated mortgage lenders with a strong presence throughout central Maine, including serving Pittsfield residents. With over 170 years of community banking experience, they offer personalized mortgage services with local decision-making. Their mortgage team provides competitive rates on all major loan types and is particularly praised for their exceptional customer service, with many reviews highlighting smooth closing processes and responsive loan officers. They have multiple branches throughout the region and deep roots in Maine communities.

Experience:25 years
Reviews:285 customer reviews
18 Columbia Street, Bangor, ME 04401

Loan Types:

ConventionalFHAVAUSDAJumboConstructionRefinance
Visit Website
2

Pine Tree Mortgage Services

Pine Tree Mortgage Services, Inc.

★★★★☆
4.9/5

Pine Tree Mortgage Services is a highly-rated local mortgage broker serving central Maine communities including Pittsfield. As a mortgage brokerage, they work with multiple lenders to find the best rates and terms for each borrower's unique situation. They specialize in helping first-time homebuyers navigate the mortgage process and are known for their educational approach and patient guidance. With overwhelmingly positive reviews praising their transparency and communication, they've built a strong reputation throughout Kennebec and Somerset counties for making the mortgage process straightforward and stress-free.

Experience:22 years
Reviews:187 customer reviews
191 Main Street, Waterville, ME 04901

Loan Types:

ConventionalFHAVAUSDAFirst-time HomebuyerRefinance
Visit Website
3

NorState Federal Credit Union Mortgage Center

NorState Federal Credit Union

★★★★☆
4.7/5

NorState Federal Credit Union serves members throughout Maine, including Pittsfield area residents, with their highly-rated mortgage lending services. As a member-owned credit union, they offer competitive rates and personalized service with a focus on building long-term relationships. Their mortgage team is praised for their attention to detail and willingness to work with borrowers who have unique financial situations. They offer a comprehensive range of mortgage products and are particularly strong with first-time homebuyer programs and construction loans. Their local decision-making and community-focused approach make them a top choice for Maine homeowners.

Experience:18 years
Reviews:156 customer reviews
33 Main Street, Madawaska, ME 04756

Loan Types:

ConventionalFHAVAUSDAHome EquityConstruction-to-PermRefinance
Visit Website

Frequently Asked Questions

Common questions about mortgage lending in Pittsfield, ME

What are the current average mortgage rates for homebuyers in Pittsfield, ME?

Mortgage rates in Pittsfield typically align with national averages but can vary based on local lenders. Currently, 30-year fixed rates in the area range from 6.5% to 7.25%, while FHA and VA loans may offer slightly lower rates. It's best to compare offers from local credit unions like Town & Country FCU and national lenders serving rural Maine.

Are there any first-time homebuyer programs specifically available in Pittsfield?

Yes, MaineHousing offers several first-time homebuyer programs accessible to Pittsfield residents, including the First Home Loan program with competitive rates and down payment assistance. Additionally, local lenders may offer special programs for Pittsfield's rural designation, which can include USDA loans with zero down payment options for eligible buyers in this area.

How does Pittsfield's rural location affect mortgage lending options?

Pittsfield's rural designation makes USDA loans widely available, offering 100% financing with no down payment required for qualified buyers. Many properties in the area also qualify for rural development loans through programs that support homeownership in smaller Maine communities. This can be particularly advantageous for buyers with moderate incomes looking for affordable housing options.

What should I know about property taxes when getting a mortgage in Pittsfield?

Pittsfield has a property tax rate of approximately $18.50 per $1,000 of assessed value, which is slightly below the state average. Lenders will factor this into your debt-to-income ratio calculations, and you'll typically need to escrow for property taxes as part of your monthly mortgage payment. Current annual taxes on a $200,000 home in Pittsfield average around $3,700.

Are there any local down payment assistance programs for Pittsfield homebuyers?

MaineHousing's Advantage Program provides down payment assistance through a second mortgage that's forgiven after 10 years, available to Pittsfield buyers meeting income requirements. Some local employers, including Hartt Transportation and Cianbro, may offer employer-assisted housing programs. Additionally, the town occasionally has community development grants for home purchases in targeted neighborhoods.

Nearby Cities

Explore mortgage lenders in cities near Pittsfield, ME

Why Choose a Mortgage Lender in Pittsfield?

Local Market Knowledge

Lenders who understand Pittsfield's housing market can offer better guidance and competitive rates.

Multiple Loan Options

Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.

Proven Track Record

Work with lenders who have years of experience and hundreds of satisfied customers in Maine.

Ready to Find Your Perfect Mortgage Lender?

Connect with top-rated mortgage professionals in Pittsfield and get competitive rates on your home loan.