Getting a mortgage or home equity loan has never been easier. With Spencer Savings Bank, you can apply online in 20 minutes or less. Whether you’re looking to make home improvements, leverage your home’s value for a big purchase, or buy a brand new home, Spencer is your local lender dedicated to helping you secure a loan that meets your needs.
Fixed Rate Mortgage
Lock in a great home mortgage rate with affordable, predictable, fixed monthly payments and flexible terms.
Adjustable Rate Mortgage (ARM)
Enjoy low interest rates and low monthly payments with an annual/lifetime cap on interest rate adjustments.
Fixed Rate Home Equity Loan
Use the equity in your home to borrow for debt consolidation, refinancing, home improvements, your children’s college fund or a family vacation, with fixed monthly payments.
SpencerFlex Line of Credit
Establish a cash resource for unexpected expenses, or to finance a major purchase. With our Flex conversion feature, you have the option of locking in a fixed rate on all or part of your current balance ($25,000 minimum), without having to reapply.
Need advice or assistance before applying online? Call us at 1-800-363-8155, or visit your nearest local branch to speak with a Spencer loan specialist. You can also view current mortgage rates here.