Cape Cod 5 offers a variety of loans with competitive rates and flexible terms to meet your needs.
Mortgages
Whether you are buying or refinancing, we have solutions to help and our experienced mortgage team will be by your side throughout every stage of the process, from your first inquiry to your closing - and beyond.
Learn about mortgage options Apply now
Home Equity Loans or Lines of Credit
Put the equity in your home to work for you. Check out our Home Equity Lines of Credit and Loans.
Learn more Apply for a Home Equity Loan Apply for a Home Equity Line of Credit
Solar Loans
Switching to solar? Cape Cod 5 can help with solar financing, offering flexible terms and competitive rates to qualifying homeowners.
Accessory Dwelling Unit (ADU) Loans
Cape Cod 5 offers a home equity loan and a mortgage program to support the creation of ADUs to help meet the needs of homeowners, while also addressing the demand for diverse local housing options.
Mass Save® HEAT Loans
HEAT loans are available to qualified customers participating in the Mass Save® Program and is designed to promote energy efficiency in your home or condominium. Customers are eligible to apply for a 0% Annual Percentage Rate (APR) loan and obtain applicable utility rebates.
If you are interested in a HEAT Loan for your house or condo:
- Contact Mass Save® at 866-527-7283 to find out what is eligible for financing and schedule a Home Energy Assessment to determine if you qualify for a HEAT loan
- Complete the necessary forms received from a Mass Save® representative and secure a signed contractor proposal for each improvement
- Submit Mass Save® forms and contractor proposal to your Mass Save® HEAT Loan Administrator
- Receive a HEAT loan Authorization Form from your Mass Save® HEAT Loan Administrator
- Apply for a HEAT loan with Cape Cod 5
Apply Now Learn more at the Mass Save® website
Storm Preparedness Loans
Build your home's resilience to weather events. Cape Cod 5 offers a Storm Preparedness Loan to qualifying homeowners at competitive rates.
Sewer or Water Connection Loans
Make the connection with Cape Cod 5. Communities across the Cape, Islands and Southeastern Massachusetts have initiated projects to transition home wastewater management from septic to municipal sewer systems and switch water sources from well to public. That's why we're offering a Sewer or Water Connection Loan to qualifying homeowners at competitive rates.
Overdraft Lines of Credit
Linked to your checking account, funds automatically transfer in $50.00 increments to cover the overdrawn amount (as long as the required funds are available within the predetermined credit limit). As a loan, finance charges on the outstanding loan balance will apply until the amount is repaid. A loan application and credit approval are required for a line of credit.
Unsecured Personal Loans
Unsecured personal loans can be used to consolidate debt, fund a major purchase or for other unexpected one-time expenses. No collateral needed. Funds are not intended to be used for business, educational or other recurring expenses (i.e. taxes, insurance).
Collateral Loans
A short term collateral loan can provide cash for many purposes and is secured by your savings account or certificate of deposit (IRA accounts are ineligible).
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Automatic Transfer Feature
Make loan payments automatically from your Cape Cod 5 checking or Savings account — and you may even qualify for a discount on your rate!
