From custom built dream homes to that first condo, we love working with our neighbors on projects of any scale or complexity. Every East Cambridge loan includes a dedicated lender available to you every step of the way, ready to provide as much or as little guidance as you would like.

Home purchasing and mortgage options at East Cambridge:
  • Fixed and Adjustable Rate Mortgages with a variety of terms and rate options
  • Easily accessible First-Time Homebuyers Program
  • Investment Property Loans
  • Owner-Occupied Construction Loans
  • Rehabilitation Loans
  • Pre-approval process available so you can move quickly once you find the home you desire
  • Apply online for a mortgage loan
Loans that leverage your equity:
  • Home Equity Lines with adjustable rates, flexible repayment periods, and easy access to funds when you need them
  • Home Equity Loans with fixed rates and a broad range of repayment terms
  • Rates as low as 2.74% APR*
  • Apply online for a home equity loan
Options for your current loan: Homebuying Seminar:
  • In the market for a new home? Learn everything you need to know from local experts at East Cambridge Savings Bank
  • Click here to register for a virtual homebuying seminar or watch our webinar


*Variable Annual Percentage Rate (APR) is subject to change. The APR will be based on The Wall Street Journal Prime Rate (Prime) published on the first Bank business day following the 24th of each month. As of 4/14/21, the Prime Rate was 3.25%. Minimum 2.74% APR; maximum 18% APR. If the monthly payment is automatically deducted from an East Cambridge Savings Bank (ECSB) checking/savings account, APR will equal Prime - .51%, currently 2.74% APR. If the monthly payment is not automatically deducted from an ECSB checking/savings account, APR will equal Prime + 1%, currently 4.25% APR. Minimum line $25,000; maximum line $250,000. Maximum combined loan-to-value based on satisfactory value of the property as determined by East Cambridge Savings Bank equaling 75%. Early termination fee equal to ECSB closing costs (approximately $0 to $900) applies if the line is closed within the first 24 months. All lines will be assessed a $50 annual fee. Available for 1-4 family owner-occupied in Essex, Suffolk, and Middlesex counties only. Property insurance required, including flood insurance if applicable. Property must be in Massachusetts. Properties where title is held in trust are not eligible. Maximum term is 240 months. Minimum payment of interest-only during the 120 months of line access (draw period). Principal and interest payments during the 120 months of no line access (repayment period). Other restrictions may apply. Offer subject to change without notice. Subject to credit approval.

East Cambridge at Your Service

  • Thomas Jung Image

    Thomas Jung

    Residential Loan Officer
    NMLS ID: #704305
    Email Thomas
  • Michael O'Donnell Image

    Michael O'Donnell

    Residential Loan Officer
    NMLS ID: #645801
    Email Michael
  • Patricia Rizzo Image

    Patricia Rizzo

    AVP, Residential Loan Officer
    NMLS ID: #477127
    Email Patricia
  • Tim Tuttle Image

    Tim Tuttle

    Residential Loan Officer
    NMLS ID: #477021
    Email Tim