Lisa Reilly at Cape Cod Five 

The Pinehills
One Village Green Dr, Ste 111R
Plymouth, MA 02360
(508) 247-1885
lreilly@capecodfive.com

https://www.capecodfive.com/Locations-Plymouth.aspx

Our Mission
The Cape Cod Five Cents Savings Bank is an independent community bank committed to serving our customers with quality financial products and services delivered with the highest level of ethics and superb service, while creating a positive work environment driven by good corporate and community citizenship.

Our Values
These are the values that matter most at Cape Cod Five. They guide us in every interaction with our customers, staff, and communities.

-Fairness
-Mutual Respect
-Highest Ethical Standards
-Trustworthiness

We want to ensure that we meet your needs with options that are understandable and affordable. We have a wide range of options for all types of properties: primary and second homes, investment and seasonal properties, land and construction, available those living on Cape Cod, Martha’s Vineyard, Nantucket and Southeastern Massachusetts.

Fixed Rate Mortgages – A traditionally popular mortgage for homebuyers, this mortgage provides the security of a fixed monthly payment over the life of the loan. Cape Cod Five offers options such as 15 and 30 year terms or you choose something in between. The shorter the term, the less interest you’ll pay.

ARM Mortgages -An adjustable rate mortgage has a fixed rate for an agreed-upon period of time and then converts to an adjustable rate for the remainder of the term of the loan. Some of the benefits of this loan are:

• More affordable monthly payments – typically lower than longer term fixed rate mortgages
• A good, short-term solution when not planning to be in the same home for long

Land Loans – When considering the purchase of a buildable lot, Cape Cod Five can provide the clarity and generous terms you need, including:

• Adjustable rate loans that carry a fixed rate for one or three years
• The ability to use the equity in your land as part or all of the down payment on your construction loan when you are ready to build your new home

Construction Loans – Offers one-step financing with construction and permanent financing in one loan closing, saving you money on closing costs. Only one application, one loan and one closing – that’s it! Fixed and adjustable rate programs are available.

Jumbo Loans – Loans up to $3 million, with flexible options, are available for both primary and second homes.

Blanket Mortgages – A Cape Cod Five Blanket Mortgage will allow you to use the equity in your yet-to-be-sold home as a down payment on the one you want to buy. With a Blanket Mortgage, you will be able to:

• Apply your current home equity toward the purchase of a new home or second home
• Lock in an interest rate immediately – even before you sell or buy
• Simplify the process by having only one loan and one closing
• Enjoy the peace of mind of knowing you won’t miss out on the home you really want

For the 10th year in a row, Cape Cod Five has been recognized as MassHousing’s Number One Lender in Barnstable County. Recognizing the critical need for workforce and affordable housing on Cape Cod, Cape Cod Five has undertaken a number of initiatives in conjunction with MassHousing, the state’s major housing finance agency. Through our partnership with MassHousing, we offer reduced closing costs, below market rates, extended terms, plus a number of other special financing options to qualified individuals and families. Our team of experts have compiled a list of the most frequently asked questions about MassHousing mortgages.

8 Samoset Street
Plymouth, MA 02360
(508)591-4801
rpolleys@embracehomeloans.com
www.embracehomeloans.com/ronda-polleys

Ronda Polleys joined the Embrace Home Loans family in early 2017 as a Loan Officer. She works out of our branch in Plymouth, MA.

Before joining Embrace, Ronda was a Loan Officer at Fairway Mortgage. An experienced mortgage professional, Ronda works directly with customers, guiding them through the loan application process, whether they are first-time buyers, upgrading to their dream home, purchasing a second home or refinancing. If you’re looking to remodel, Ronda specializes in renovations loans, including 203(k) and HomeStyle loans.

Joel Sugarman
147 Center Street
Pembroke, MA 02359
Phone: 781-686-9885
joel.sugarman@rocklandtrust.com
www.rocklandtrust.com