Buying your first place, upsizing, downsizing, refinancing, or building from scratch? Whatever home means to you, we’ll help you get there with less stress and more support.
Find the right fit for you
Fixed Rate Home Loan
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A fixed rate home loan1 offers consistency and peace of mind. Your interest rate stays the same for the life of the loan, which means your principal and interest payment remain predictable from start to finish.
Benefits of a fixed rate home loan
Stable interest rate that won’t change if rates rise
Looking for flexibility? An adjustable rate home loan1 offers an initial fixed period followed by adjustments based on market conditions, giving you options as your plans evolve.
Benefits include:
Lower initial rate during the fixed period
No prepayment penalty, giving you flexibility
Rate adjusts after the fixed period based on market conditions
“While in the process of buying a summer home, my family and I had the fortunate experience of working with Jeff Locke and the wonderful people of Bay State Bank. He made our dream a reality, expediting the process in a caring and efficient manner. ”
- Mike H.
“The entire Bay State Bank Team was super helpful during the buying process of our home. They were always available for questions and that continued after the purchase. I would go back to them as the opportunity comes up. ”
- Jonathan G.
“"I have had a home loan with Bay State for years and it’s been a great experience. I am working on another now, and it’s been a very easy process." ”
– Sean M.
First-Time Home Buyer Programs
If you’re new to the homebuying process, or haven’t owned a home in the last three years, together we’ll find the program that’s right for you.
All loans are subject to credit approval. Additional restrictions may apply.
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