Mortgages

We realize that no two homes are alike and neither are their buyers. Therefore, we’ve found a way to combine outstanding customer service with a diverse product line. We are here to help you find the right mortgage program to meet your individual needs.

Are you a homeowner? Learn how you can make the most of your home’s equity.
Buying your first home? Learn more about our First-Time Homebuyer Program.

Opening the door to home ownership with great rates, flexible terms, expert advice and local servicing.

Fixed-Rate Mortgages

Consider a Fixed-Rate Mortgage Loan which allows you to have a consistent mortgage payment for the term of your loan.

Adjustable-Rate Mortgages

An Adjustable-Rate Mortgage Loan might be something you would consider if you plan to sell your home or refinance in the first few years. The initial interest rates are typically lower compared to other mortgages, which can help you save money.

We offer adjustable rates up to $750,000 as well as jumbo adjustable rates for loans over $750,000.

Construction Loans

Construction Loans are a great way to do it all. One loan with one closing that provides for the financing to purchase your land, build your home, and finally, when completed, we will roll it into a permanent mortgage.

An experienced mortgage specialist will walk you through the steps, answer all of your questions, and simplify the application process. Most importantly, they will help you decide which options make the most sense for you.

Where we lend

We are happy to consider a real estate loan request for properties located anywhere in the Massachusetts counties of Middlesex, Essex, Worcester, Suffolk and Norfolk, as well as, properties located anywhere in the New Hampshire counties of Rockingham, Hillsborough, and Cheshire.

From our customers
“Love the employees at the North Reading Office. They are so friendly and helpful. The teller and the customer service representative are the BEST!!”

From our customers
“I’ve used TSB for approximately 40 years. They have always been helpful and kind. Never had an issue. Love banking with TSB and all of the wonderful employees.”

From our customers
“I have been banking with TSB for many years and I am very satisfied with them. Why wouldn’t you want to come and bank there?”

From our customers
“The staff in the Methuen office could not be kinder.”

From our customers
Friendly, helpful, and pleasant tellers in the Greenwood, Wakefield branch!

From our customers
“Love everything!”

From our customers
“Love the personal connections with the bank personnel.”

From our customers
“I feel you excel in all areas but I am very appreciative of the kindness with which I have been treated all these years, by everyone at the TSB, whether in person or on the phone.”

From our customers
“Your staff is the best.”

From our customers
“I stay with TSB because I know if I have an issue, I can reach out to an actual person and get help. It is what separates TSB from the big banks.”

From our customers
“I like the real hometown feel you get with The Savings Bank. Staff at ALL branches are wonderful, making the personal interaction very pleasant. I have been banking with you since 1978 and have never had even one issue.”

From our customers
“Just great!”

From our customers
“The people I encounter at Lakeside and Main Street are always helpful and friendly. I enjoy that they actually care about me even though I am not one of your bigger clients.”

From our customers
“I have been banking here for a number of years. I love this bank! Customer service is awesome. Anytime I had a problem it was resolved professionally.”

Talk to The Savings Bank

To find out how The Savings Bank can help you achieve all your financial goals, visit one of our offices, use our contact form, or call us at 800-246-2009.

You are now leaving The Savings Bank

By accessing the noted link you will be leaving The Savings Bank's website and entering a website hosted by another party. Please be advised that you will no longer be subject to, or under the protection of, the privacy and security policies of The Savings Bank's website. We encourage you to read and evaluate the privacy and security policies of the site you are entering, which may be different than those of The Savings Bank.