Mortgage Center

Personal Attention and Exceptional Service, Delivered Locally

Purchasing, building, or refinancing a home can be stressful. Kennebec Savings Bank is committed to doing everything we can to make the process a little easier for you, our customer and top priority.
 
Our lending team is committed to making the process as fast, simple, and affordable as possible. From flexible underwriting to rapid approvals, our team offers personal attention and exceptional service to help make your experience the very best possible.
 
As your partner, our team moves at your pace to find a loan tailored to your individual needs. Throughout the process, we avoid over-complication. Local decision-making and servicing ensure that we meet your needs. And we keep our fees and closing costs low: the Kennebec Savings Bank way.
 

View Current Mortgage Rates

Couple looking at new house.














KSB's Lydia T. posing for a photo

Local Lenders, Local Loans

At Kennebec Savings Bank, our mortgage customers don’t get shuffled from person to person.

Our residential lenders serve as a single point of contact for all your needs: they are your originator, underwriter, and closer. And they all live and work right here in our region, ensuring that they understand your needs and can jump in to assist at any time. Our lending team goes above and beyond to offer a smooth borrowing experience.

Kennebec Savings Bank knows how to turn homeownership dreams into reality. Meet our residential lending team and get started today.

Meet Kennebec Savings Bank's Residential Lenders

The Kennebec Savings Bank Difference

As a portfolio lender, Kennebec Savings Bank does not sell our loans. That means once your mortgage is with us, it stays with us—for the full life of the loan.

Our team streamlines the full process, eliminating secondary market rules and paperwork that do not apply to you.

If you have any questions, please call us at (207) 622-5801 or Contact Us today.


Tulips and the Kennebec Savings Bank sign



Apply for a Mortgage Today

The Kennebec Savings Bank team is eager to help bring your home buying dreams to life. Choose a lender and get started today!

Apply Online with a Kennebec Savings Bank Residential Lender















New build home at sunset

Home Equity Loans:

  • Allow you to take advantage of the existing equity you have in your residence.
  • Provide a fixed rate option that grants you the comfort of knowing your payment will always be the same.
  • Different loan terms and fixed payment options (biweekly or monthly) are available.

Home Equity Lines of Credit (HELOCs):
 
  • Excellent option for your future borrowing needs.
  • Offer access to the equity you have in your home when you want it.
  • Choose how you want to repay the loan.
home under construction

Construction Loans

  • Pay only interest during construction.
  • Seamless transition (and no additional closings) into a regular residential mortgage.
  • Different loan terms available.
  • Construction loans require an additional fee based on construction costs and the loan amount; contact us for details.
  • Approved general contractor required.





Additional Residential Loan Products

First-Time Homebuyer & Veteran Loans

  • Make a lower down payment as a qualifying first-time homebuyer or veteran.
  • Different loan terms and fixed payment options (biweekly or monthly) available.

Seasonal Homes

  • For camps, cottages, and other non-year-round properties.
  • Different loan terms, fixed payment options (biweekly or monthly), or adjustable payment options (3/3 ARM or 5/1 ARM) available.

Mobile Home with Land Loans

  • For mobile homes on foundations.
  • Mobile homes must be permanently attached to land.
  • Different loan terms, fixed payment options (biweekly or monthly), or adjustable payment options (3/3 ARM or 5/1 ARM) available.

Land Loans

  • For land-only purchases with variable interest rates.
  • Different loan terms and adjustable payment options (3/3 ARM or 5/1 ARM) available.














Financial Calculators


If you're considering a mortgage loan with Kennebec Savings Bank, please check out our financial calculators. Test different mortgage products, run through realistic scenarios, and understand the options available to you before you start your homebuying journey.