Mortgages &
Home Equity

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Apply Online for Your Next Mortgage or Home Equity Line/Loan

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At Winchester Savings Bank, we offer a wide range of smart mortgage products to fit your needs. Whether you’re looking for a fixed rate, an adjustable rate, a Home Equity product, or any one of our other options, our experienced mortgage team will guide you through the process with great care. All of our loans are underwritten and serviced in-house, and we'll provide you with the exceptional service you can always expect from your community bank.

Now it's our pleasure to offer all of our exceptional mortgage services online. With Winchester Savings Bank, you not only have access to great mortgage products, you can also apply for a loan at your convenience - online 24 hours a day.

Click here to start the online application process.

Residential Mortgages

Residential Mortgages

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Conforming or Jumbo Fixed-Rate Mortgages

Choose a fixed term and enjoy a regular monthly payment with no surprises. Our great rates and shorter term options mean you can pay off your home and be mortgage-free before you know it!

Conforming or Jumbo Adjustable Rate Mortgages (ARM)

Our adjustable rate programs allow you to start with a fixed rate for a certain number of years, after which the rate will adjust on an annual basis. Payments during the introductory period are based on the introductory rate; subsequent payments are based on the fully-indexed rate and may adjust annually.

Construction-to-Permanent Loan

We offer a Construction-to-Permanent loan for all of your construction needs from building a brand new home or needing major rehab work on your existing home. No need to obtain two separate loans. We make things simple with one closing for both the construction and permanent financing. Contact one of our experienced loan originators for more details.

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First Time Homebuyer Program

First Time Homebuyer Program

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We make special concessions for you when purchasing your first home. These benefits include no points, no appraisal fee**, no credit report fee**, a loan term of 30 years, generous qualifying ratios, and low down payment requirements.

**Must be owner-occupied purchase. Borrower must pay an Appraisal Fee and a Credit Report Fee which will be refunded if the loan goes to closing.  If there is no loan closing, the funds will be applied as payment for that fee.

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Home Equity or Bridge

Home Equity or Bridge

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Home Equity Line of Credit (HELOC)

Our HELOC is a convenient revolving line of credit for your home improvements, debt consolidation, vacations, or whatever else you might need, and you’ll find no surprises. There are no balance requirements or annual fees. What you will find is a very competitive rate, quick turn-around, ease of use, and as always, outstanding customer service. 

Fixed-Rate Home Equity Loan (HELOAN)

This loan has a fixed rate and a fixed term and can be used for anything that requires a specific amount of money at one time. Enjoy some of the lowest rates available with the same convenience, customer service, and no hidden costs.

Bridge Loan Home Equity Line of Credit

Our bridge home equity line of credit is a short-term loan allowing a borrower to access equity in a presently owned primary residence for funds needed to purchase a new primary residence.

Get Started

View Home Equity application forms and other important information.

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If you prefer a paper application, please contact the Lending Team at (781) 729-2130, and we will be happy to help.