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Maine Mortgage Loans Made Easy

At Bath Savings, service makes the difference. Whether you’re looking for a land or construction loan, or financing for your mortgage, our knowledgeable lending team will lead you step-by-step through the mortgage loan process. And because we service our mortgage loans* ourselves, you’ll always have someone you can talk to.

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Talk to a neighbor. We know that every mortgage, refinancing or second mortgage represents a major purchase or opportunity for you and your family.

Construction and land loan specialists

As a primary lender of land loans and construction loans in Mid-Coast and Southern Maine, we understand the complexities of building projects and the need to be flexible when working with a builder. Your new home building project will be in good hands with Bath Savings.

First-time home buyer and affordable housing programs

We understand that becoming a first time home buyer can be as overwhelming as it is exciting. At Bath Savings, you’ll work with a friendly, experienced lender every step of the way. We’ll help you take advantage of financing opportunities and housing programs that can get you into a home of your very own.

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Apply for a mortgage or home equity loan online today. It's convenient, secure, and easy. Your home loan can be approved online in minutes.

Affordable housing programs

  • Maine State Housing Loans*
  • MSHA/Rural Housing Development (RHD)
  • VA/FHA and other government programs

Home equity builder program

Our Equity Builder Program helps moderate and low income home buyers. Grants of up to $11,000 are available for everything from down payment and closing costs, to rehab costs associated with their purchase. We don’t charge a processing fee with this program. Plus, other fees are reduced or even waived.

This program is not restricted to first-time home buyers, but you may not own another home when you apply. Your household income must be at or below 80% of the area median income as defined by HUD. Schedule a meeting to learn more and see if you qualify.

* Maine State Housing loans are not serviced by Bath Savings.