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Mortgages

Get the support you need to make empowered home-buying decisions.
Whether you’re buying a new home or refinancing your current home, we believe that you and your family deserve the very best.
 
Our application process is one of the easiest around. You can apply at the South Boston branch or online.
 
We are committed to offering:
  • Affordable payments through low rates
  • Terms flexible enough for your unique situation
  • Education & resources to reduce your stress

 

                                                                     View Today's Rates

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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 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 our South Boston Branch or Online.

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Looking for a lower rate? An adjustable rate mortgage may be the right solution for you. Our 5/1 ARM adjusts 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 help 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 may be the most challenging financial transaction they will face in their lifetime. With so many decisions to be made 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, visit our South Boston Branch or go online and we’ll get you going.

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HOME EQUITY FINANCING

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 80 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, stop by or apply now. We’re always here to help.

Because they are secured by the equity built up in your home, Home Equity Loans can be the least expensive way to pay for things you need. At Mass Bay, we have various Home Equity Financing options to choose from, at rates that let you afford more.

FIXED RATE HOME EQUITY LOANS (SECOND MORTGAGES)

A low fixed rate Home Equity Loan from Mass Bay may be the right option for your home improvements, education costs, and large purchases. With flexible terms, our fixed rate loans let you know exactly how much you'll need to repay every month so you can fit it comfortably into your budget. You can even use one of our convenient auto payment options to make recurring payments each month.

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VARIABLE RATE HOME EQUITY LINES OF CREDIT

For those unexpected expenses that you know are on the horizon such as vacations, furnishings, home repairs, miscellaneous education expenses and more, we are happy to offer our very flexible Home Equity Line of Credit. Simply, you qualify for a specific amount and a length of term. Then you may draw as much of it as you like, whenever you like, to pay for expenses as they occur.

The competitive low rate may adjust monthly based on changes to the WSJ Prime Rate, but there is a rate cap and floor. Your minimum monthly payments are low and you only pay interest on what you draw. There is no added annual or monthly fees resulting in higher costs. 

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