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Let CSB and MassDREAMS

help get you in your first home!

MassDREAMS is a federally funded grant program, offered in conjunction with the Mass Housing Partnership ONE mortgage, designed to provide eligible first-time homebuyers, currently residing in one of the towns disproportionately impacted by Covid 19, up to $50,000 in down payment and closing cost assistance for the purchase of a primary residence in any town in the Commonwealth of Massachusetts. Click here to visit MassDREAMS for more information and to see if you are a current resident in one of the communities that qualify. Once you qualify you can apply online with Clinton Savings Bank.

There's nothing quite like peace of mind. That's why we're introducing our new Safeguard Mortgage!

You can modify your mortgage rate within the first five years of closing your loan, for a low $250 fee*, even if you are a first-time homebuyer. That way, if rates go down you can easily modify your mortgage rate - and lower your monthly payment.

*Effective for mortgage applications submitted beginning January 30, 2023. Clinton Savings Bank 30 year fixed rate portfolio mortgages only. Property must be a 1-4 family, owner-occupied residence. All applicants are subject to complete underwriting based on program guidelines. Mortgage and Note can be modified once during the first 60 months from the date of closing. At time of modification, mortgage payments must be current and payment history must be free from any delinquencies. Modification fee is $250.00 and will be collected at the signing of the modification agreement. Payment at modified interest rate will be based on the remaining outstanding principal balance and term at the time of modification. Tax implications may apply. Other restrictions may apply. Offer may be withdrawn at any time.

If you have any questions or need help applying, call one of our Mortgage Originators and they will walk you through the process! 

Note: If you have a credit freeze please contact the credit bureau prior to applying for a loan in order to temporarily remove the hold so that your credit may be pulled.


  • Competitive rates
  • Options of no Private Mortgage Insurance (PMI)
  • Conventional Loan Amounts
  • We provide competitive programs and rates for First-time home buyers
  • Down Payment assistance with FHLB Equity Builder Program, Housing Our Workforce or the MassDREAMS program.

Please note that all mortgage loans are subject to income and credit approval. Other restrictions may apply. All applicants are subject to complete underwriting based on program guidelines.