On Target Mortgage

Don’t make plans around your mortgage.
Customize your mortgage around your plans.

With our On Target Mortgage, you are no longer locked into the traditional mortgage terms of 15 or 30 years.  We let you choose any term you want from 5 to 30 years.

Our On Target Mortgage allows you to:

  • Target your mortgage to be paid off before you retire
  • Target a set amount you want to pay each month
  • Target a term that allows you to pay off your mortgage when you want


5 years to 10 years 10-year rate See Rates
11 years to 15 years 15-year rate See Rates
16 years to 20 years 20-year rate See Rates
21 years to 30 years 30-year rate See Rates

Let us know what your goals are and we can work with you to find the best solution.

Let’s assume Mr. Tom Brady is considering retiring soon and would like to pay off his mortgage as soon as possible, but doesn’t want his payment to increase. In this example, Mr. Brady has 24 years remaining on his original 5.00%, $250,000, 30 year mortgage.

If Mr. Brady uses our On Target Mortgage, and refinances to a 4.25% rate, he can take nearly 3 years off his mortgage term (now only 21 years) and save more than $44,000 in interest, all while keeping his monthly payment the same.

You can use our mortgage calculator to estimate your payment under different scenarios, or call us and we’ll be happy to review it with you.

  • Let’s Talk

    Request a call from us, at a time that’s convenient for you, and we will call you

    Request a Call

    You can always call one of our branches directly

    Fitchburg – Main Office
    (978) 353-0000

    (978) 897-3211

    (781) 449-0770