Lock in a great low rate with payments you know you can make today and tomorrow, with one of our low-cost fixed rate mortgage loans. With our flexible terms (10 years to 30 years) you can tailor your loan to the monthly payment you can afford! Our application process is one of the easiest around, and you know you won’t be overcharged when it comes to closing costs. You can apply at any branch or online.

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Looking for a lower rate? An adjustable rate mortgage may be the right solution for you. Our 1/1, 3/1, 5/1 and 5/5 ARMs adjust your interest rate so you can take advantage of the interest rate market. Adjustable rate loans can be beneficial for Members looking for a lower initial rate or those who might only be staying with a property a few years. At Mass Bay, we can consult with you to determine the right loan for you and help you make the best, most informed choice possible.

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For many, buying a first home will be the most challenging financial transaction they will face in their lifetime. With so many decisions to be made and usually so little personal financial history to go by, it can seem like a real sink-or-swim proposition. At Mass Bay, we can help first-time buyers feel more comfortable with the process. Our individualized services can help you take the guesswork out of determining what you can afford.  Just call us or come in and we’ll get you going!

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It has been said that real estate is the best investment. For our members looking to invest in certain real estate ventures, Mass Bay can make your investment even better! Our low-cost investment property loans can free up extra cash to use in improvements or to pay other expenses to keep your investment paying off! Talk to us today to see how we can help you.

When it comes to borrowing money for a new home or using your home as collateral to finance another expense, you want to be sure that you are dealing with a lender you can trust. For more than 75 years, Mass Bay has been meeting Member loan needs in a fair and upfront manner, and that has made us one of the most trusted lenders around. For the best loan that fits your individual situation, just call us or stop by. We’re always here to help!


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*Must meet eligibility requirements. Limited funds available.

NMLS Registry Information for Mass Bay Credit Union & Mortgage Loan Originators