Buying a home is one of the most important financial decisions you'll ever make. Having a lender who takes the time to understand your needs, to explain the mortgage process and to answer your questions can help to reduce the natural anxiety that comes with buying a home. Our experienced loan officers will make the entire process as easy as possible for you from beginning to end.

Get Pre-approved Before You Start House Hunting

The best way to start looking for your new house is with a pre-approved mortgage from EBSB. With your mortgage pre-approved before you start looking, the home-buying process will be quicker and easier, and you'll have more negotiating power when you find the home of your dreams.

Choose From A Variety Of Loans

Whether you're looking to buy, build, refinance or remodel, EBSB has a variety of programs to meet your needs. Please select your situation from the table below to receive information about our Residential Mortgage solutions.

If this is your situation:		This is your solution:
You want to know exactly what your payment will be each month for the life of your loan.		FIXED RATE
You want to pay-off your mortgage as quickly as possible by making half of the monthly payment every two weeks.		BI-WEEKLY
You want to maximize the amount you qualify for and get a lower interest rate than a fixed rate mortgage.		ADJUSTABLE RATE
You're purchasing your first home and want a loan with flexible underwriting criteria to help you qualify.		FIRST TIME HOME BUYER
You're looking to purchase residential property for investment purposes.		INVESTMENT PROPERTY
You're building your own home and want a flexible mortgage loan that easily converts to a conventional mortgage without having a second closing.		CONSTRUCTION MORTGAGE
You're looking to build your own home and want to purchase the land first.		LAND LOANS
You need funds in one lump sum to make home improvements or repairs.		SECOND MORTGAGES
You've built-up equity in your home and want to borrow against it to make home improvements or major purchases.		HOME EQUITY
You are 62 and older and have a large portion of your wealth built up in the equity of your home and you want to access some of it without obtaining a home equity loan or selling the home.		REVERSE MORTGAGE

Mortgage loans are available for residential properties located in Massachusetts and New Hampshire

If you have any questions about East Boston Savings Bank's residential loans or services, please consult one of our Residential Loan Officers by calling (800) 657-EBSB (3272), or click "Contact Us" to e:mail our Residential Lending Division.