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Residential Loan Programs

Home Purchase

The perfect loan for the perfect home

Since 1833 South Shore Bank has been taking care of the lending needs of the South Shore. Work with one of our lending specialists or start an application online to get your home buying process started today. You may even be able to receive a pre-qualification letter so you can comfortably begin searching for your dream home!

Our team of highly qualified lending officers are here to answer your questions and work on lending solutions for you. You can call to make an appointment with our team or start right now by using our apply online option. Choose which ever option is most convenient for you, we are ready to help no matter what!


  • Conventional Fixed Rate Loans
  • Adjustable Rate Loans (ARMs)
  • Jumbo Loans

Refinance your Current Loan

Lower your payment, take cash out, save on interest payments?

Do you think your rate is high? We might be able to offer you a lower rate and help you save on monthly payments!

Have you built up some equity and looking to make home improvements? Maybe you would like to pay down debt? We can potentially structure a cash out-refinance to get you the funds or need!

Or perhaps your financially savvy, and looking to avoid interest payment and pay that current mortgage off sooner? Well we have a wide variety of loan terms to help meet your needs!

Just like with purchases, our team of highly qualified lending officers are here to answer your questions and work on lending solutions for you or you can start your refinance online. As always, we’re here to help you either way.

Please use our calculator to determine if refinancing is best for you!

Construction & Renovation

Lets build or renovate your new home together!

Our construction programs are one time close and here to help you and your builder finance the home of your dreams. Create a funding schedule that pays out your construction needs to your contractor as planned! Pay interest only on the first 12 months of construction disbursements and have your loan automatically convert to a fixed rate loan after.

You will need to work with one of our lending specialists for Construction loans, please contact your nearest branch or lenders.

And you do have options on loan programs! Choose between a 30yr fixed or a 10/5 ARM, both in with conventional and jumbo loan limits.

Government Backed Loans

With lower down payments and special benefits, a government loan might be right for you!

FHA Mortgages
These loans backed by the US Government typically allow for smaller down payments (3.5%!!) and provide flexible credit requirements. Additionally, they allow for more closing cost freedom and more seller concessions than a typical conventional loan.

VA Mortgages
Let us honor your service by helping with your mortgage needs. Eligible veterans can finance up to 100% of the purchase price and may even be able to waive any mortgage insurance costs! However, proper documentation is required, so be prepared to provide a copy of you DD-124.

Even with flexible income, debt, and credit requirements we can still offer you a competitive rate. Ask about our fixed and ARM options.

You will need to work with one of our government loan specialist, please contact Vinny Tirabassi for assistance.

First Time and Affordable Housing Buyers

Buying your first home can be a stressful and intimidating decision but we’re here to help! We are a participating lender with MassHousing, an independent, quasi-public agency charged with providing financing for affordable housing in Massachusetts. Let us work together and make homeownership a reality for all qualified borrowers.

If you are interested in one of these programs then we would like you to reach out to one of our lending specialist, they will be more than happy to help you with the process. Please contact your nearest branch or lenders.

These programs are for home purchases only, but anyone can benefit from these programs. With 30yr fixed loans at competitive rates we can offer low to zero down payment options to qualified borrowers!

Home Equity Loan

A Home Equity Loan lets you borrow a single lump sum of money that will be repaid over the course of an agreed upon term. Since both the rate and term are fixed, loan payments will be predictable.


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South Shore Bank is licensed to do business in Massachusetts. Our NMLS # is 407656.