Mortgages

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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 Inquire Online	1-4 Family Homes & Mixed-Use Properties up to 4 Units Investment Properties	No Prepayment Penalty Borrow up to $3,000,000 Achieve Investment Goals
Investment Property Mortgage Apply Now	1-4 Family Homes Investment Properties	No Prepayment Penalty Borrow up to $3,000,000 Achieve Investment Goals
Fixed Rate Mortgage Apply Now	Owner-Occupied (1-4 Family) Investment Properties	Fixed Monthly Payments Stability, Predictability and Easy Budgeting
Adjustable Rate Mortgage (ARM) Apply Now	Owner-Occupied (1-4 Family) Investment Properties	Variable Interest Rate Lower Rates Annual/Lifetime Cap on Interest Rate Adjustments
Jumbo Mortgage Apply Now	Owner-Occupied (1-4 Family) Investment Properties	More Borrowing Power Flexible Qualifying Ratios Loan Amounts up to $2 Million
Community Worker Mortgage Apply Now	Owner-Occupied (1-2 Family)	Rate Discounts No Application Fee 10% Down w/No PMI
First Time Homebuyer Mortgage Apply Now	Owner-Occupied (1-2 Family)	Half of Application Fee Waived 10% Down w/No PMI Relaxed Qualifying Standards
HomeHelper Mortgage Apply Now	Owner-Occupied (1-2 Family)	Discounted Loan Rates No Application Fee 10% Down w/No PMI
Home Enhancer Mortgage Apply Now	Owner-Occupied (1-4 Family) Investment Properties	Borrow up to 30% of Improved Value Option to Roll Construction Fees into Mortgage Loan
Neighborhood Mortgage Apply Now	Owner-Occupied (1-4 Family) Investment Properties	Discounted Loan Rates No Application Fee Owner-Occupied: 10% Down w/No PMI Investment: 20% Down