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Online Mortgage Center

The advantages of a locally-owned bank.

We are here to offer you personal assistance. Our goal is to provide you with a higher level of service. If you have any questions, please don’t hesitate to contact one of our loan officers.

Local decision-making is here for you.

As a commercial bank in New Hampshire, we make all of our loan decisions locally. That means a quicker turnaround on a loan decision for you.

Not sure which program is the best fit?

We offer a variety of loan options to choose from including fixed rate mortgages and adjustable rate mortgages. We also offer you the option to receive a prequalification which will help you during your home search.

Applying online with Optima Bank & Trust is simple.

  • You will be asked to answer questions about your personal finances and the property you are financing. The entire application should take you about 20 minutes to complete.
  • If you don’t have time to finish the application, you may save the information at any point. When you are ready to continue, you may return to the site to complete the application.
  • Once you have submitted the application, a notice will be sent to our team of knowledgeable loan officers. One of the loan officers then will contact you as soon as possible to answer any questions you may have.

Our goal is to provide you with the highest level of service and responsiveness you deserve from your bank.

Rate Watch

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Home Equity

Need to consolidate debts or make home improvements? Apply for a home equity loan or line of credit.

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Unsure of which way to go? Use our mortgage calculators to help you make the right decision.

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