Lending Products
There are many reasons why you should consider a loan from Spencer Savings Bank. Whether you are looking to purchase a home, refinance an existing mortgage, finance a large expense such as college tuition, home improvement, debt consolidation or secure a line of credit - Spencer Savings Bank can help make your dreams a reality. So, whatever your needs and goals, you can count on the knowledge and experience of our professionals to help choose a lending solution that works best for you.
| Home Equity Line Of Credit |
Fixed Rate Mortgage |
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Borrowing Flexibility |
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Variety of Terms |
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Revolving Line of Credit |
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Same Rate for Life of Loan |
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Pay Only on Money Borrowed |
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Conventional & Jumbo Available |
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| Home Equity Loan |
Spencer Passbook Savings |
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Low Fixed Rates |
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Competitive Rates |
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Terms to Meet Your Needs |
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Rate Adjusted Periodically |
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Fixed Monthly Payments |
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Variety of Terms Available |
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| Variable Rate Home Equity Loan |
HomeHelper Mortgage |
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Low Market Rate For 5 Years |
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Low to Moderate Income Families |
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Rate Adjusts According to Index |
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Lower Down Payment Required |
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Ideal for Short-Term Usage (3-5 Years) |
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No Application Fee |
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| 100% Equity Loan |
First-Time Home Buyer Mortgage |
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Borrowing Power of a Home Equity Loan |
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Relaxed Qualifying Standards |
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Unique Loan for Recent Finances/Refinances |
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Lower Down Payment Required |
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Loan Can Be Used Toward Down Payment |
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Discounted Application Fee |
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With a Spencer Mortgage |
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Call us today and speak with Alicja Sikora, our Polish speaking representative
at (800) 363-8115, extension 8505
Call us today and speak with Evelyn Rivera, our Spanish speaking representative
at (800) 363-8115, extension 8500
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