Take the first step towards homeownership.

Buying a home is one of life’s biggest and most important purchases! Make sure you’re prepared to start your homebuying journey by meeting with our mortgage professionals. From pre-qualification letters to finding the loan that’s right for you, our team is here and ready to help you every step of the way.

First-time homebuyer opportunities

As a first-time homebuyer, you may not be aware of the many programs designed to help save you money including programs like:

  • Low down payment programs
  • Closing cost and down payment assistance loans and grants
  • State and local housing finance agency programs

Want to buy a home, but worried you won't qualify?

Meet with us for a free financial checkup. We’ll work with you to:

  • Research loan options
  • View your credit score
  • Calculate your debt-to-income ratio
  • And more!

Ready to start your homebuying journey?


Fill out the form below to connect with a Bay State Savings Bank mortgage advisor!