Energy Credit Union

Real Estate Loans

Real Estate Loans

Energy Credit Union offers mortgages and home equity loans at favorable rates. You can count on a smooth application process. Contact us to apply.


  • First mortgages for single family, multi-family and condominium purchases
  • Finance up to 97% loan-to-value for single-family property or minimum of 3% down payment
  • Finance up to 95% loan-to-value for two-family property or minimum of 5% down payment
  • Finance up to 80% loan-to-value for three and four family property
  • Local decision making
  • Call and speak to one of our loan officers at (617) 325-1999


  • FHA 3.5% Down
  • FHA Rehab 3.5% Down
  • VA Veteran 0% Down
  • HARP 2.0

Mortgage products offered in partnership with Allanach Mortgage Group.
Broker’s licenses MA# MB6033, NH# 5616, CT# 7160, FL# 345902, RI# 20051935LB


  • Consider refinancing your mortgage for substantial monthly savings
  • Refinance your rate/ term and consider cash-out for home improvement, etc.
  • Finance up to 80% of appraised value minus outstanding liens (up to credit union limits without PMI)
  • Check rates and terms

Home Equity Loans

  • Finance college tuition, home improvements and other large expenses
  • Consolidate bills
  • Borrow up to 100% of appraised value of your home minus outstanding liens (Up to credit union limits)
  • No closing costs; we pay appraisal fee (Fees subject to change without notice; Certain conditions apply)
  • Check rates and terms

Apply for a Real Estate Loan

Call us at (617) 325-1999 to apply. Loan approvals are subject to Energy Credit Union’s loan and underwriting requirements.