Choose your application below.

Fixed Rate

Fixed rate mortgages offer the peace of mind knowing your interest rate and principal and interest portion of your monthly payment remain the same over the life of the loan term.

Construction-to-Permanent Mortgage

Whether you’re looking to build the home of your dreams or finally getting around to putting on that addition, Bay State Savings Bank has the solutions to meet your needs. With our Construction-to-Permanent mortgage, we offer a flexible product with just one loan closing. For the first 12 months, pay the interest only on the amount of funds you draw. We will work closely with you and your builder to help make your dream home a reality.

When construction is complete, no need to refinance. The loan automatically converts to a conventional mortgage, with the added security of knowing you’re locking in at today’s market rates.

Home Equity Loan

Home equity loans (or HELOANs) offer you the convenience of tapping into your home's equity with a fixed interest rate and monthly principal and interest repayment, often with no closing costs.*

Home Equity Line of Credit (HELOC)

Home equity lines of credit (or HELOCs) offer the convenience and flexibility of tapping your home's equity. Advance only the funds you need.  

Adjustable Rate Mortgage (ARM)

Adjustable rate mortgages (or ARMs) offer the benefit or a lower initial interest rate that may change over the term of the loan. Good for borrowers who may not be planning to stay in their current home or are planning to pay off the loan in a short period.