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  Security Information
Protect Yourself From Fraud! Read Full Message

The banking industry continues to see an increase in fraud attempts targeting customers. Staying alert and knowing how to respond are important steps you can take to help protect yourself and your accounts.

If you receive a fraud alert or suspicious phone call, even if the caller ID says Spencer Savings Bank, never provide personal information such as your Social Security number, account or debit card number, PIN, password, or one-time code. End the call and contact us directly to confirm whether the call is legitimate and whether any action is needed.

We encourage you to visit our Fraud Center for best practices and safety tips to help protect yourself from fraud. If you have any questions or concerns, please contact our Customer Service Center immediately at 1-800-363-8115.

Mortgages

Spencer offers a wide array of mortgage products to meet all your borrowing needs. Our mortgage experts take the time to get to know you and your needs so we can match you with the right mortgage for your unique situation. Whether you’re looking to buy a new home, build that dream home you’ve always wanted, or simply save more money by refinancing your current mortgage, Spencer has the right loan for you.

The following NMLS Consumer Access website will provide you with NMLS numbers for all Spencer lenders. Spencer Savings Bank’s NMLS number is 421318. Please view our Mortgage Servicing Notice for Error & Information Requests.

Ready to apply for a Spencer Mortgage? For your convenience, you can now apply online from any device that you prefer- desktop, tablet, or smartphone!

Loan Types Eligible Properties Loan Features

Business Entity (LLC) Mortgage

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  • 1-4 Family Homes & Mixed-Use Properties up to 4 Units
  • Investment Properties
  • No Prepayment Penalty
  • Borrow up to $2,000,000
  • Achieve Investment Goals

Investment Property Mortgage

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  • 1-4 Family Homes
  • Investment Properties
  • No Prepayment Penalty
  • Borrow up to $2,000,000
  • Achieve Investment Goals

Fixed Rate Mortgage

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  • Owner-Occupied (1-4 Family)
  • Investment Properties
  • Fixed Monthly Payments
  • Stability, Predictability and Easy Budgeting

Adjustable Rate Mortgage (ARM)

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  • Owner-Occupied (1-4 Family)
  • Investment Properties
  • Variable Interest Rate
  • Lower Rates
  • Annual/Lifetime Cap on Interest Rate Adjustments

Jumbo Mortgage

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  • Owner-Occupied (1-4 Family)
  • Investment Properties
  • More Borrowing Power
  • Flexible Qualifying Ratios
  • Loan Amounts up to $2 Million

Community Worker Mortgage

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  • Owner-Occupied (1-2 Family)
  • Rate Discounts
  • No Application Fee
  • 10% Down w/No PMI

First Time Homebuyer Mortgage

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  • Owner-Occupied (1-2 Family)
  • Half of Application Fee Waived
  • 10% Down w/No PMI
  • Relaxed Qualifying Standards

HomeHelper Mortgage

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  • Owner-Occupied (1-2 Family)
  • Discounted Loan Rates
  • No Application Fee
  • 10% Down w/No PMI

Home Enhancer Mortgage

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  • Owner-Occupied (1-4 Family)
  • Investment Properties
  • Borrow up to 30% of Improved Value
  • Option to Roll Construction Fees into Mortgage Loan

Neighborhood Mortgage

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  • Owner-Occupied (1-4 Family)
  • Investment Properties
  • Discounted Loan Rates
  • No Application Fee
  • Owner-Occupied: 10% Down w/No PMI
  • Investment: 20% Down
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