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Buying a home is probably the single largest investment you'll ever make. Make it the smartest one, too, by choosing a lender who knows and understands mortgage lending -- Bay State Bank. Select the loan that's right for you from Bay State's comprehensive list of financing options including both fixed and adjustable rate mortgage loans. And because Bay State is a community bank, you'll find our service to be exceptional. With more than 75 years of mortgage lending experience, Bay State has a proven record of commitment to home ownership. Our team of mortgage officers is trained to find you the best mortgage - and in today's complex market, that can translate into real savings. And don't forget to ask us about special financing programs for first time homebuyers. Click here to calculate monthly payments on any Bay State Bank loan.
MORTGAGE PROGRAMS AVAILABLE
One
Year Adjustable Rate Mortgage 
- Flexible repayment periods (up to 30 years)
- Available for one to four family properties
- Various rate and point options
- Flexible loan amounts
- Minimum downpayment of as little as 5%
- Multiple programs to choose from
- First-time homebuyer programs available
Fixed
Rate Mortgages
- Flexible repayment periods (up to 30 years)
- Rate is fixed for the term of the loan
- Various rate and point options
- Available for one to four family properties
- Flexible loan amounts
- Finance up to $300,000
- Minimum downpayment of as little as 5%
- Secondary market and portfolio programs available
Multi-Unit
Residential Mortgages
- Available for structures with five or more units
- Fixed or adjustable rate programs available
- Flexible underwriting
- Up to 25 year term and amortization
- Rate index based on Wall Street Journal Prime Rate
Commercial Real Estate Loans
Bay State Bank's Commercial Real Estate Loans combine competitive rates with flexible program options and terms. This type of loan can be used for purchases and refinancing. Call our Lending Center at (617) 739-9555 for an appointment. Click here to calculate monthly payments on any Bay State Bank loan.