Residential and Consumer Loans

Stafford Savings Bank offers loans to fit your needs. Whether to finance your first home, to help you purchase the home of your dreams, to utilize the equity you’ve built up in your home to purchase a new or used car or for other needs, come in and speak with us.

Our employees are friendly people who care about you and not a commission. Competitive rates, personal attention and fast local decision making make Stafford Savings Bank your best choice for lending services.

All of our offices are staffed with loan specialists who will be glad to assist you or you may contact us and we will get back to you quickly.

We will spend time with you, get to know you, listen to your needs, and then offer you a loan product that is right for you. And because we are a community bank, lending decisions are made locally by people who live and work in the local community.

Residential Mortgage Loans

We have been helping our customers realize their dreams of home ownership since 1872. Whether you are in the market for your first home, a vacation home or other property, we are the first place you should turn to for home mortgages. We offer fixed rate mortgages featuring competitive rates and a variety of terms. Click here for our current rates.

Sometimes the home of your dreams cannot be found. It has to be built. We are known as the Construction Loan Experts. Our Construction Loans can finance your land purchase and the actual home construction and then we automatically convert your loan to permanent financing after the construction term, eliminating the need for a second closing.

Consumer Loans

Is it time for a new vehicle or to remodel your kitchen? Is there a special purchase you want to make? Is there a college tuition bill looming in your future? We offer a variety of loan options that enable you to choose the one that best fits your lifestyle, finances and goals. Click here for our current rates.

There are different loan products designed for different needs. If you are a homeowner, using the equity in your home is one of the most cost effective ways to borrow money. Typically, the interest may be tax deductible. Please consult a tax advisor regarding the deductibility of interest.

Fixed Home Equity Loan

This is a fixed rate loan with a choice of terms to pay it back from 5 years to a maximum term of 15 years. These loans are ideal for one time large expenditure, remodeling cost or debt consolidation. This product is available for single family owner occupied properties. Property insurance is required. All loans are subject to credit approval. Click here for our current rates.

Home Equity Line of Credit (HELOC)

A credit line is the solution for those who want the flexibility to borrow on an as needed basis. You are billed for interest only on the funds that you have used and principal may be repaid at any time during the term of the loan. Once the principal is paid, it becomes available to borrow again. The Annual Percentage Rate (APR) is tied to the Prime Rate and only changes as the Prime Rate changes. The APR is capped at a lifetime maximum. This product is available for single family owner occupied properties. Property insurance is required. All lines are subject to credit approval.  Click here for our current rates.

Auto/Used Vehicles

Are you looking for financing to purchase a new or used car, truck or motorcycle? How about a recreational vehicle? Stafford Savings Bank offers a variety of financing terms depending of the age of the vehicle.  Click here for our current rates.

Personal - Secured or Unsecured

Whether you are improving your home, buying a car, consolidating bills, or taking a well-deserved vacation, a personal loan from Stafford Savings Bank can help you achieve your goals. Certain loan amount maximums apply. Contact us for our current rates.

For more information on all accounts and other services offered, contact us.

Online Banking         Routing # 211174262

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