Meet Our Home Financing Specialists
With experienced mortgage originators on staff, we know the business and we know the territory. We help our members through each step of the home buying process, from pre-approval to closing and beyond. Click here to see a listing of our mortgage originators.

Lock In Your Rate!
We know that interest rates often fluctuate while waiting for your mortgage to be approved. Protect yourself from rate increases by locking your rate - Your rate can be locked for $500. Full Rate Lock Policy furnished upon application.

Fixed Rate Mortgage Apply online!
Here is the perfect solution if you don't want to worry about fluctuating interest rates. You can establish a monthly payment that fits your budget, with repayment terms from 10 to 40 years. Best of all, your down payment can be as low as 3%.

Adjustable Rate Mortgages (ARMs) Apply online!
One, three, three/one, five/one and seven/one ARM programs usually offer a lower rate during the early years of the loan term, which is later adjusted in accordance with recent average Treasury rates. We protect you from "rate shock" with interest rate caps that limit rate changes at each adjustable period and over the entire mortgage term.

Land and Construction Loans Apply online!
If you're planning to build your new home, we have the financing to make it possible. Structure a mortgage to finance just the construction, or the home and land together.

One-Step 95% Construction Mortgage
Our One-Step Construction Mortgage is construction financing and mortgage financing rolled into one.

There’s just one application process, one appraisal and one closing – saving you thousands of dollars. And because you lock in your mortgage rate at closing, you won’t have any unpleasant surprises later on. In fact, when your home is completed, there’s just one thing left to do: move in!

VA Loans
Both fixed and adjustable rate loans are available for any eligible veteran looking to buy, build or refinance. 100% financing is also available for qualified borrowers.

Massachusetts Housing Finance Agency (MHFA) Loans
Available to qualified first time borrowers, with reduced interest rates. Funds are available based on income limits and certain geographic areas. Potential borrowers should check with us for funds availability and lending criteria.

Need more information?
If you have any questions, or would like more information, please stop by any office, complete our information request form, or give us a call at 1-877-STANNES.