Get the right home loan for you at a great rate.

Save thousands of dollars at Bay State Savings Bank with mortgage rates as low as 4.875% (5.106% APR)!*  We offer low and no closing cost programs and 100% financing!**  Click here for our mortgage rates and products or call us at (508) 890-9000 for details.

Are you a first time homebuyer?  Let us help you get a mortgage that you can afford today and always.  Click here to check out our first time homebuyer programs.

If you're a homeowner age 62 or older, a Bay State Savings Bank Reverse Mortgage could change your life.  Want more information?  Click here.

Interested in buying a home in Worcester?  We provide discounts on new mortgages for homes in Worcester.  Click here for more information.

*Annual Percentage Rate is accurate as of 7/4/09 and is based on a 20% down payment and 2 points paid.  APR quoted by lender may vary and is subject to change without notice.  Payment amount based on a $200,000 loan for 360 months at 5.106% APR is $1,058.42.  Property insurance is required.  Interest rates are subject to your credit history, loan amount, loan-to-value and debt-to-income ratios.  Your actual rate may vary. **An example rate for 100% financing is 5.750% with an Annual Percentage Rate of 6.514%, which is accurate as of 7/4/09.  Payment amount based on a $200,000 loan for 360 months at 6.514% APR is $1,167.15.

Click here for more information about getting a mortgage from a Massachusetts bank.

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