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Rates

CSB offers competitive rates for various long and short-term loan options. Since 1851, we have been committed to providing a multitude of services to Massachusetts residents, including home mortgage loans, savings accounts, checking accounts, and more. In the market for a new home or looking to refinance? Apply for a home mortgage loan with us. It's easy to apply online for a mortgage or call Our Mortgage Originators.

Key Features

  • Free Pre-Qualification
  • Ask Us About Current Specials
  • Quick Decisions
  • Local Processing

Are you interested in applying for a home mortgage loan or refinancing your home with a local Massachusetts bank? Whether you're interested in purchasing a vacation home, or refinancing your current home, or buying a home for the first time, Clinton Savings Bank has the right solutions for you.

  • Competitive rates for home purchase or refinance
  • Available for primary residences, second homes, vacation homes, or investment properties
  • A wide range of financing programs available including:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • JUMBO Loans over $548,251
    • VA Loans
    • First-Time Homebuyer programs
    • Federal Housing Administration (FHA) mortgages
    • Construction Loans
  • Helpful mortgage advisors with working knowledge of the Central Massachusetts and beyond real estate market
  • Free pre-qualification for extra confidence on your house hunt
  • Refinance your current home to potentially lower your rate
  • Repayment terms customized to fit your unique needs
  • Local decision-making, processing and servicing

Benefits of a Massachusetts Home Mortgage:

  • A mortgage is an economical way of borrowing: Because mortgage loans are secured against your property, their interest rates tend to be lower than any other form of borrowing.
  • A mortgage makes homeownership affordable: The amount you'll pay back every month on your home mortgage may be more manageable than renting because you can spread out the repayments over several years. At the end of your loan you will own your home.

What Is a Home Mortgage Rate?

  • Mortgage interest rates prescribe your monthly payments over the life of the loan. Knowing what determines your rate and how interest rates factor into your loan will help you assess lender estimates with more precision.
  • As a cost of lending you money, you will pay interest on your mortgage loan. The amount of interest you pay may be determined by your mortgage loan rate, along with the loan balance, or principal, and credit score for your mortgage term.

At Clinton Savings Bank, we understand the importance of finding a reliable lender for your mortgage needs. That's why we take pride in providing personal, attentive service to homeowners and those looking. We offer various types of home mortgage loans including fixed rate, variable/adjustable rate, and JUMBO — learn more below!

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.

  • The interest rate on a fixed rate mortgage stays the same throughout the life of the loan
  • A stable monthly payment also allows you to budget for your monthly mortgage payment and not lose sleep worrying that rising interest rates will force you to cut back in other areas or even put your payment out of reach in the future
  • Serviced locally by CSB lenders
  • We provide competitive rates for home purchase or refinance

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.

  • An adjustable-rate mortgage is typically providing lower initial interest rates during the fixed period of the loan. After a specified period, the interest rate adjusts, generally subject to periodic and life-of-loan interest rate caps and floors
  • May be ideal for those who plan to own a home for a short period of time
  • Allow borrowers to take advantage of falling rates without refinancing
  • Serviced locally by CSB lenders
  • We provide competitive rates for home purchase or refinance

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.

 

 

  • A jumbo loan allows you to borrow more than you could with a conventional mortgage, which could allow you to get into a home you otherwise wouldn't be able to.
  • If you're looking to borrow more than $548,251 then you will need a jumbo mortgage
  • Serviced locally by CSB lenders
  • We provide competitive rates for home purchase or refinance

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.

 

 

 

  • Competitive rates
  • No Private Mortgage Insurance (PMI) requirements
  • Conventional Loan Amounts
  • We provide competitive programs and rates for First-time home buyers
  • 100% financing available through Mass Housing
  • Down Payment assistance with FHLB Equity Builder Program and Housing Our Workforce

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.

 

  • If you have been a member of the U.S. Military, you may qualify for a VA loan to help you purchase or refinance a primary residence
  • Fixed interest rate – lower average interest rates than other loan types
  • No monthly mortgage insurance
  • No down payment required in most cases
  • 100% financing
  • We provide competitive rates for VA home purchase
  • VA certificate of eligibility required

 

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.

 

If you are planning to build or remodel a home, we can help finance it through a residential construction loan. With flexible terms and decisions made locally, your project will be completed even quicker. With our competitive rates, you could even consider some of those upgrades. 

  • One closing
  • Interest-only payments during construction phase; converts to principal and interest payments upon completion
  • Maximum 80% LTV 

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.

Federal Housing Administration (FHA) Loans provide a channel for first-time homebuyers or borrowers with limited financial resources.

  • Low down payments
  • Flexible credit qualifications
  • No pre-payment penalties

 

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.

Up to $15,000 available in down payment & closing cost assistance!

This program is available on a first-come, first-served, home-buyer by home-buyer basis.
Borrower must be using the property as their primary residence.

Program Requirements:

  • Borrower must be a first-time homebuyer
  • Borrower must meet income guidelines for the city/town they are purchasing in
  • Available for use on 1- to 4- family homes, condos and townhouses.
  • Completion of a First Time Homebuyer Class

For more information on this program please reach out to one of our Mortgage Originators.

 

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.

HOW provides assistance to FHLBank Boston financial institution members to help local homebuyers earning more than 80 percent and up to 120 percent of the area median income with down payments on owner-occupied primary residences.

This program offers up to $20,000 with a 2-for-1 home buyer match.

For more information on this program please reach out to one of our Mortgage Originators.

 

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.