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Work with local lenders who care.

Elisa Cuddy - NMLS #857471

Elisa was the prefect individual to work with. She was very personable. She was in constant contact with me and made this home buying process so seamless. I couldn’t of asked for a better person to work with. She will always have a client in me. I look forward to working with her again in the future. Thank you so much for your time, dedication and excellent, top notch service.

John Ryan - NMLS #27261

John was the first lender to call me back when I began the home-buying process and he earned my business from the start of the process to the end. He clearly communicated all of the mortgage options available to me, and always made the bottom line clear so I knew the best path forward for myself and my family. At every step along the way, John's communication was clear and crisp, always making sure I had all the information I needed. Whether it was an email or a phone call, John was available and responsive when I needed him and he was proactive in reaching out to me when he needed something from me. This isn't just a business transaction or an exchange of funds—it's the beginning of a long-term relationship. If you want to talk to robots in a call center, keep looking for an online lender; but if you want a local lender who's got your back and will give you the facts (even if they hurt a little), call John.

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.

Applying online only takes minutes or call one of our Mortgage Originators!

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. 

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 $726,201
    • First-Time Homebuyer programs
  • 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 $726,201 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
  • 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 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.

 

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.