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MountainOne Bank Mortgage Center

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About Jack Ciesinski:

Jack has over 30 years of mortgage lending experience. He takes pride in sharing his knowledge and experience with homebuyers, finding the best mortgage product for their needs. He graduated from Framingham State University with a Bachelor of Arts degree in Economics. Jack is very involved in the local community, with active roles in Danvers Babe Ruth, as well as other student sports programs and coaching, including: golf, salt water fishing, boating, scuba, hunting, skiing, Boston Sports, wrestling, and boxing. He lives in Danvers with his wife and 3 children. He is also the proud dad of adopted twin boys from South Korea.                  

John Ciesinski

Senior Mortgage Originator
NMLS Registration #50305

140 Commonwealth Avenue
Suite 108
Danvers, MA 01923
CELL 978-407-4561
FAX 978-290-4330
Email: john.ciesinski@mountainone.com

Business Hours: Monday-Friday 9:00AM-4:00PM
Contact me by cell phone anytime

MountainOne Bank Benefits

Your goal is to own your own home. Mine is to hand over the keys. I’ll guide you every step of the way and help simplify the home buying process.

Use our handy Calculators to decide what type of mortgage is best for you, whether you are considering purchasing a new home or deciding if it is the right time to refinance. 

At MountainOne Bank we offer:

  • Conventional Fannie/Freddie fixed and adjustable rate products
  • First-time buyer options
  • Special affordable housing loans
  • Mass Housing/USDA Loans
  • Local underwriting
  • Direct VA Lender
  • Construction and renovation loans
  • Equity lines to 80% CLTV (combined loan to value)

    All loans subject to credit approval.

Applying online is as easy as 1-2-3. You can apply now in as little as 20 minutes.

  1. Apply Now and complete the application.
  2. When you have completed the application, click submit and we will review your information.
  3. A MountainOne Bank Mortgage Lender will follow up to answer your questions.

Our goal is to provide the highest level of service at competitive rates. Our Mortgage Lenders are only a phone call away if you need help. Contact us at 978-407-4561.


The following scenario is based on a single family home, 740 credit score and an 75% loan to value. Rates are subject to change without notice. The final rate is determined by appraised value, property type, credit and purpose. Click on rates for important information.

Mortgage Loans
30 Year Fixed Rate
 Rate  APR  Points
 4.750%  4.842%  0.000%
20 Year Fixed Rate
 Rate  APR  Points
 4.500%  4.624%  0.000%
15 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.407%  0.000%
10 Year Fixed Rate
 Rate  APR  Points
 4.250%  4.475%  0.000%
 Rate  APR  Points
 4.625%  5.185%  0.000%
 Rate  APR  Points
 4.625%  5.098%  0.000%
MassHousing 30 Year Mortgage
 Rate  APR  Points
 5.250%  5.349%  0.000%

MountainOne Bank NMLS #528054

Mortgages: All loans subject to credit approval.