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Rates

In the market for a new home? Apply for a home mortgage loan with us, and receive up to a $750* in credit to be used toward closing costs! 

 

PLUS, ask Our Mortgage Advisors about our Lock & Shop** option and the 2019 Equity Builder Program sponsored by the Federal Home Loan Bank that provides down-payment and closing costs grants. 

 

*New mortgage customers only. Credit is based on loan amount. Credit will be applied to offset closing costs. Credit cannot be combined with any other offers. Other restrictions may apply. All applicants are subject to complete underwriting based on program guidelines. Offer may be withdrawn at any time. Equity Builder, FHA and VA programs are ineligible for the credit.

**This is not a contractual offer of mortgage financing from Clinton Savings Bank.  Final mortgage approval is conditional upon a satisfactory appraisal of the subject property, private mortgage insurance approval if applicable, and there being no material adverse change in employment, credit, assets, or income prior to the closing of the loan.  Rate lock is good for 90 days from pre-qualification. Offer valid on portfolio mortgages only. All applicants are subject to complete underwriting based on program guidelines. Other restrictions may apply.  Offer may be withdrawn at any time.  

Key Features

  • Free Pre-Qualification 
  •  Ask Us About Current Specials 
  • Quick Decisions
  • Local Processing
  • 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 $484,350
    • 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

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.

A fixed rate mortgage provides you with the security of a monthly payment that doesn't change for the term of your mortgage. 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 (ARM) may offer lower initial interest rates. After a specified period, the interest rate adjusts, generally subject to periodic and life-of-loan interest rate caps and floors. ARMs can be an excellent choice for financing if you expect an increase in income or plan to own your home for a short period of time. We provide competitive rates for both purchases or refinancing. 

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.

Buying or refinancing a home means putting all the pieces together. At Clinton Savings Bank, we have the Jumbo Mortgage that fits your dreams. If you're looking to borrow more than $484,350 and want a competitive rate, come see us now — we can put together a great Jumbo Mortgage for you. And because we're local, we work with local appraisers, attorneys and brokers to make sure we give you an informed decision right away. We provide competitive rates for both purchases or refinancing. 

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.

Clinton Savings Bank is a participating lender with the Federal Housing Administration (FHA), Massachusetts Housing Partnership (MHP), and MassHousing Finance Agency (MHFA) that enables the first-time homebuyer to choose amongst the best options that fit their situation — including competitive rates, no points/no closing costs, even no Private Mortgage Insurance (PMI) options — credits may also be available at closing.

Or choose our own CSB First-time Homebuyer mortgage offering: Maximum 97% LTV with PMI on single family and FNMA eligible condominiums; serviced locally by CSB lenders; maximum 95% LTV with PMI on two family homes; conventional loan amounts.

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. VA loans are federally guaranteed, which can make home buying more affordable with a fixed interest rate, no monthly mortgage insurance, and in some cases, no down payment requirement. That’s 100% financing with a VA certificate of eligibility.

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.