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Make East Cambridge Savings Bank your home loan center.  With competitive rates and fast financing options, we can be the key to your dream home. 

  • A variety of financing options and terms so you can choose the one that suits your needs
  • Portfolio and secondary market programs (Fannie Mae, Freddie Mac)
  • Knowledgeable residential loan officers who can help guide you in the mortgage process every step of the way
  • Pre-approval commitment program provides you with the strongest letter available, making your offer more competitive, particularly with cash offers
  • An easy and convenient online application 

 Conventional / Agency MortgagesFirst-Time Homebuyer Mortgages Portfolio Mortgages
Perfect for... These programs often offer the lowest rates and are frequently selected by buyers with stable income and good credit historyA buyer who needs to make a smaller down paymentA buyer who wants their loan serviced locally by ECSB
Features
  • Often have the lowest rates
  • Low downpayment options
  • Provide options for small down payments
  • May have income restrictions
Larger fixed-rate loans and competitive adjustable-rate mortgages (ARMs)
Products
  • Fixed-rate mortgages
  • Adjustable-rate mortgages (ARMs)
  • Primary Residences
  • Second Homes and Investment Properties
  • Fixed-rate mortgages - FTHB
  • Adjustable-rate mortgages - FTHB
  • Mass Housing Partnership One and One+ Mortgages
  • FHLB Grant Programs
  • Down Payment Assistance Programs
  • Mass Housing Financing Agency Mortgages
  • Arch Community Heroes (1% Down)
  • Conforming fixed-rate mortgages
  • Jumbo fixed-rate mortgages
  • Adjustable-rate mortgages (ARMs)
  • Investment property mortgages
  • Second homes
 Contact lender button Contact lender button Contact lender button

  • 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
  • Get a $1,000 Closing Cost Credit when you attend a First-Time Homebuying Seminar**

**Seminar attendees who apply for our First-Time Homebuyer Loans will receive a $1,000 Closing Cost Credit toward an East Cambridge Savings Bank mortgage for property located in Arlington, Bedford, Belmont, Billerica, Burlington, Cambridge, Carlisle, Charlestown, Chelsea, Concord, Everett, Lexington, Lincoln, Lynn, Lynnfield, Malden, Medford, Melrose, Nahant, Natick, Needham, Newton, North Reading, Reading, Revere, Saugus, Somerville, Stoneham, Sudbury, Wakefield, Waltham, Watertown, Wayland, Wellesley, Weston, Wilmington, Winchester, Winthrop, and Woburn (good for one year from event). Closing Cost Credit subject to credit approval.

Click here to review our different programs and options for low down payments for primary residences.

Whether you’re a first-time homebuyer looking for a mortgage, an existing homeowner who wants to refinance or are simply comparing mortgage rates, East Cambridge Savings Bank offers a range of competitive variable-rate mortgage and fixed-rate mortgage solutions for residential mortgages.

Home Equity Loans

Product RATE APR
10-Year Fixed 5.740% 6.015%1
15-Year Fixed 5.990% 6.187%2
1Annual Percentage Rate (APR) as of 12/15/2025 and subject to change without notice and based on owner-occupied 1-4 family homes or condominium primary residences only. Home Equity Loan Minimum is $25,000.00. Maximum loan amounts are $250,000.00 with an 80% max combined loan-to-value ratio (CLTV); $500,000.00 with an 75% max CLTV; and $750,000.00 with a max 70% CLTV. Homeowner’s Property Insurance is required. Flood insurance and other fees may be required. Payment example: based on a $250,000.00 mortgage, 120 monthly principal and interest payments of $2,742.98 (10-year amortization). The payment example does not include property taxes, so the actual payment obligation may be higher. Maximum CLTV based on an automated valuation model at the bank’s expense for loan amounts under $400,000.00. A full appraisal may be requested at the borrower’s expense at a fee of $550-$950. All loans are subject to credit and property approval. Product restricted to second mortgages only. Other restrictions may apply. Bank’s NMLS ID #441396.

2Annual Percentage Rate (APR) as of 12/15/2025 and subject to change without notice and based on owner-occupied 1-4 family homes or condominium primary residences only. Home Equity Loan Minimum is $25,000.00. Maximum loan amounts are $250,000.00 with an 80% max combined loan-to-value ratio (CLTV); $500,000.00 with an 75% max CLTV; and $750,000.00 with a max 70% CLTV. Homeowner’s Property Insurance is required. Flood insurance and other fees may be required. Payment example: based on a $250,000.00 mortgage, 180 monthly principal and interest payments of $2,108.29 (15-year amortization). The payment example does not include property taxes, so the actual payment obligation may be higher. Maximum CLTV based on an automated valuation model at the bank’s expense for loan amounts under $400,000.00. A full appraisal may be requested at the borrower’s expense at a fee of $550-$950. All loans are subject to credit and property approval. Product restricted to second mortgages only. Other restrictions may apply. Bank’s NMLS ID #441396.
 

Put Your Home to Work with a Home Equity Line of Credit!





12 Month Fixed Introductory Rate with Autopay



HELOC Rate
 


East Cambridge at Your Service

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