Your Move In Just Got Easier with our Safeguard Mortgage*. 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.
Take advantage of a 30-year fixed rate but with the ability to modify* if rates go down!
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Modify Your Rate If Rates Go Down* -
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Fast Decisions
Modify Your Rate If Rates Go Down* 
Rate will not increase.
The interest rate on a fixed rate mortgage stays the same throughout the life of the loan. A stable rate means a stable payment. So, you don't have to worry about rising interest rates affecting your budget.
Modify your loan if mortgage rates decrease.
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.
Are you a first-time homebuyer?
The Safeguard Mortgage* can be used in conjunction with the CSB First-Time Homebuyer Program. Get all the benefits of the Safeguard Mortgage along with a $5001 credit toward closing costs, competitive rate and up to 95% loan to value available on 2-4 family units.
Work with hands-on originators.
Our experienced mortgage originators will help you every step of the way - from pre-qualification to closing and everything in between.
Not sure where to start, join John Ryan, Mortgage Originator, for his weekly Key to Home Ownership Teams® Meeting to discuss the fundamental steps of the mortgage process! Register Now.
Looking for other mortgage options?
We offer several other mortgage types including adjustable rate, jumbo, construction and government backed assistance programs. Check out our full array of mortgage products.
How do I apply for a mortgage loan?
To apply for a Massachusetts mortgage loan, you can begin with our easy online application. The application has a series of questions about personal finances, your debt and your future home. You can complete the application in one sitting or save your progress and finish it later.
Or, if you prefer, you can come into one of our convenient branch locations and work with a Relationship Banker to fill out the application.
Once you've submitted your application you’ll receive a confirmation response. However, because every application is unique, approval times may vary. We will reach out with any additional questions if we need more information about your financial situation or if we need additional information on your application.
If you are curious about a pending application, check your loan status online or give us a call.
How do I choose the mortgage program that is best for me?
Contact one of our Mortgage Lenders directly to discuss your options and what may best fit your needs.
Will my application be saved online if I get interrupted and do not finish or need to get additional information to complete my application?
Yes, all information will be saved once you start an application, so you can complete it when it's most convenient for you!
What information do I need to submit an application?
Before you begin an application, we need to confirm your identity. We ask for your name, date of birth, address and contact information. The rest of our questions focus on your property details, desired loan and financial information.
The most important information you need for home mortgage loan is a verified source of income, such as a W-2 or a bank statement. Reach out if you need help submitting your application by calling 978-365-3700 or stop by a branch.
What are the requirements to get a home mortgage loan from Clinton Savings Bank?
At Clinton Savings Bank, we make the online application process easy for you to apply for your home mortgage in Massachusetts. Our mortgage loan application determines your eligibility based on income, debt, assets and property information.
What are the interest rates, and how are they determined?
Our competitive mortgage interest rates include fixed-rate and adjustable-rate plans. Mortgage rates in Massachusetts change based on various factors, including inflation, the Federal Reserve financial index and Fannie Mae.
Can I pay off my mortgage early?
You can pay off a mortgage loan before the intended completion date. Please contact our team at 978-365-3700 or [email protected] to discuss prepayment.
Do I need to get a home appraisal in order to get a home mortgage loan?
You need a home appraisal before officially closing on your mortgage loan. An appraisal helps us evaluate the loan details alongside the property's objective worth. A loan pre-qualification application does not require an appraisal.
How does my credit rating affect my interest rate?
Your credit score is a necessary part of your loan application. We use credit ratings to help us determine the potential risk of outstanding payments.
Does Clinton Savings Bank offer refinance options?
Yes, you can apply online to refinance your current mortgage. On the second screen of the online application select "Refinance My Mortgage" or "Refinance with Cash Out" based on your needs. The online application will guide you through the rest of the process to see if you're eligible to refinance your mortgage in Massachusetts. Or, simply call 978-365-3700 or contact one of our Mortgage Lenders directly.
*Effective for mortgage applications submitted beginning April 21, 2025. 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.
1Clinton Savings Bank FTHB portfolio mortgage customers only. 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, MHP, MHFA and VA programs are ineligible for the credit.