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  Holiday Closing
Spencer Savings Bank will be closed Monday, October 14th in observance of Columbus Day. Read More

For your convenience, account information can also be accessed 24/7 through our online banking, mobile banking and telephone banking platforms.

Fixed Rate Mortgage

If you plan on owning your home for a while, then you should lock into a great rate with Spencer. Our fixed rate home mortgages are structured so interest rates and monthly payments remain constant throughout the life of the loan. You’ll have the security of knowing that your interest and monthly payments will never increase. You can choose to either lock into a long term with lower monthly payments, or you could lock into a shorter term and save thousands of dollars in interest because your loan will be paid off faster.

Fixed Rate Mortgage features:

  • Fixed Monthly Payments
  • Variety of Terms Available
  • Stability, Predictability and Easy Budgeting
  • Potential Tax Benefits (consult your tax advisor)

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Today’s Rates

Contact Us Today

Jim Harilaou

Mortgage Sales Representative
NMLS# 519891
1-201-703-3800 ext. 8336
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