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What to Expect
Today's Featured Rates APR (Annual Percentage Rate)
Conventional
30 Year Fixed Rate
 Rate  APR  Points
 3.875%  4.074%  1.000%
 4.000%  4.115%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 3.250%  3.597%  1.000%
 3.375%  3.576%  0.000%
3 Year Adjustable Rate - 30 Year Term
 Rate  APR  Points
 3.125%  4.481%  0.000%
5 Year Adjustable Rate - 30 Year Term
 Rate  APR  Points
 3.375%  4.362%  0.000%
7 Year Adjustable Rate - 30 Year Term
 Rate  APR  Points
 3.625%  4.325%  0.000%
10 Year Adjustable Rate - 30 Year Term
 Rate  APR  Points
 3.875%  4.318%  0.000%
Home Equity
10 Year Fixed Rate Home Equity Loan
 Rate  APR  Points
 4.500%  4.500%  0.000%
15 Year Fixed Rate Home Equity Loan
 Rate  APR  Points
 5.000%  5.000%  0.000%
Promotional Home Equity Line of Credit
 Rate  APR  Points
 2.490%  2.490%  0.000%
Home Equity Line of Credit
 Rate  APR  Points
 5.250%  5.250%  0.000%

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Julie Cosgrove
Mortgage Loan Officer

Office: 603-342-1440
Toll Free: 1-800-442-6666, Ext. 2895
Fax: 603-342-1441
jcosgrove@northwaybank.com

Business Hours: Monday through Friday, 8:00am – 5:00pm EST - Mortgage Hours: APPLY ONLINE 24/7

Julie L Cosgrove comes to Northway Bank with 19 years banking experience, as a Mortgage Loan Originator.  Julie is a member of Portsmouth Rotary, and  The Chamber of Commerce. Julie has experience in every aspect of the banking industry from retail, origination, title and closing. Her desire to be part of her community makes her a strong asset to a local bank. She will be covering the territory from Concord to Seacoast.

Read more about Julie

Northway Bank Benefits

Too busy to find the time to come in during bank hours?



By applying online, Northway Bank allows you to choose when it’s convenient for you to start this exciting process. Only have spare time in the evening or first thing in the morning? You can get on with your life and get started with your purchase or refinance transaction anytime, day or night.

Still want personal assistance while applying online?

We’re only a phone call away. Your Loan Officer will strive to be there for you when you need help and if they are unavailable, Northway Bank’s Mortgage Hotline is your salvation! When you place a call to our hotline, a mortgage specialist will be there to assist you.

Want to have a local bank deal with your special needs?



We believe listening is important. By taking the time to understand our customer's needs, we have modified our programs to reflect the demands of the areas we do business in. Simply put, it’s the Northway.

Want to know what you can afford before you shop for a home?



Utilize our resources to play with numbers and remember that we offer free pre-approvals, so you can shop for your home knowing how much financing you will obtain through Northway Bank.

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