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Bar Harbor Bank & Trust-Mount Desert

Ready to finance your home purchase or renovation? We can help!

Your Choice
You can choose from our wide variety of loan options including fixed-rate and adjustable-rate mortgages, construction loans, and home equity lines of credit. A range of payment terms are available to suit your needs.

Free Pre-approvals
Even if you haven’t yet found your perfect home, we can issue a pre-approval certificate that you can use to assure real estate brokers and sellers that you are a qualified buyer. When you find the perfect home, you'll simply call your Mortgage Originator to complete your application. For pre-approval, visit our mortgage website, call us toll-free at 1-888-853-7100 or stop by one of our convenient hometown branches.

Educational Information and Calculators
Visit our mortgage website for easy-to-understand explanations of each loan program. Use our online calculators to get an estimate of your monthly payments or to compare different loan options and payment choices.

Sign up for Rate Watch Notices
If you’re not quite ready to lock in your rate, but want to stay informed as rates change, visit our mortgage website and sign up for our free rate watch email service.

Apply Online
You’re always welcome to stop by a branch or contact one of our hometown mortgage professionals for advice or answers to your questions. If you don’t have time to make the trip, enjoy the convenience of our online application process.

About Us
Bar Harbor Bank & Trust, founded in 1887, is a 15-branch independent community bank committed to enhancing lives in the coastal Maine communities where we are fortunate to live, work, and play. Learn more about us online at


1055 Main Street Route 102
Mt. Desert, Maine   04660
Phone: 207 244-4417
Fax: 207 244-7291

Locations & Hours

Bar Harbor

Bangor Trust and Financial Services Office

Blue Hill

Deer Isle





Northeast Harbor



South China

Southwest Harbor


Winter Harbor