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St. Anne’s Credit Union is a leading mortgage lender with a full range of competitive solutions including:

  • Fixed and Adjustable Rate Mortgages
  • Land Purchase
  • One-Step Construction Mortgage
  • No Closing Cost Program
  • Jumbo Mortgages
  • First-time Homebuyer Programs
  • MassHousing Loans
  • Refinancing

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Meet Our Team

Our mortgage specialists help our members through each step of the loan process, from improving credit scores, providing pre-qualification to closing and beyond – they are local, know the area and understand your needs and the entire process.  Click on the “Meet Our Team” button above to contact one of our specialists who can work with you directly to achieve your homeownership goals.

Down payment & Closing Cost Assistance

Through the Federal Home Loan Bank’s Equity Builder Program, St. Anne’s is providing up to $15,000 in assistance for eligible homebuyers on a first-come, first-served basis. Qualified buyers are subject to credit approval and must meet specific criteria to include income limits. For more information and eligibility requirements, please contact one of our mortgage specialists at 1-877-STANNES or 1-877-782-6637.

St. Anne’s Credit Union provides Free pre-qualifications so that you can shop for a home knowing exactly what you can afford. Contact one of our mortgage specialists today or apply online 24/7.


Together with MassHousing (Massachusetts Housing Finance Agency), St. Anne’s Credit Union offers even more options to get you into the home of your dreams. As an approved MassHousing lender, we offer several first time homebuyer or refinancing options – all with affordable down payment requirements.

Mass Save® Heat Loan

Save money and energy with a 0% APR Mass Save Heat Loan from St. Anne’s Credit Union.

Improve your home's energy consumption and lower monthly energy usage with an energy Efficient loan offered through St. Anne's Credit Union. Qualifying customers can receive no-interest financing to install heating and cooling equipment and other qualifying energy efficient improvements. Unsecured loans are available from $2,001-$25,000 for terms up to 60 months.


  • Interest rate is 0%
  • More efficient home = lower energy costs
  • Environmentally friendly
  • Opportunity to make qualified energy efficient home improvements

Eligible improvements may include:

  • Attic, Wall And Basement Insulation
  • Heating Equipment
  • Central Air Conditioning & Heat Pumps
  • Digital And Wireless Enabled Thermostats
  • ENERGY STAR®- Qualified Replacement Windows
  • Domestic Hot Water & Solar Hot Water Heaters

How to apply:

  1. Call Mass Save At (866) 527-7283 To Schedule Your No-Cost Home Energy Assessment.
  2. Fill Out The Heat Loan Intake Form, Which Will Be Provided To You During Your Home Energy Assessment By Your Mass Save Representative.
  3. Submit Your Intake Form And Receive Your Heat Loan Authorization Form From Mass Save.
  4. Send Us Your Completed Heat Loan Authorization Form After Applying.

*Customers must meet program eligibility requirements to participate. Eligibility for the Heat Loan is based on findings from the Home Energy Assessment and require pre-approval. Some restrictions apply and offers are subject to change or cancellation. Financing is subject to credit approval with a minimum loan amount of $2,000. APR refers to Annual Percentage Rate. The monthly payment would be approximately $16.67 per $1,000 borrowed based on 0.00% APR for 60 months. Additional fees may apply when title is held in any type of Trust ownership. Eligible Mass Save Heat Loan customers will need to obtain cost estimates from licensed contractors and submit them to the Home Assessment Vendor for approval. Visit Mass Save or call 1-866-527-SAVE (7283) for details and to learn more about the program.

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