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Discover the joy of homeownership with Energy Credit Union's Mortgages, tailored to make your dream home a reality. Benefit from competitive rates, personalized service, and a seamless homebuying experience.


Whether you're a first-time homebuyer or looking to upgrade, our Mortgages are crafted to simplify the path to your dream home. Enjoy competitive interest rates that align with your budget. We believe in providing affordable financing options for your homeownership journey. Your dream home is unique, and so are our mortgage solutions. Benefit from personalized options that suit your financial goals and lifestyle.

  • 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

First Mortgage

Effective: January 17, 2024

First Mortgage
Please call us at (617) 325-1999 for current rates and terms.

Call and speak to one of our loan officers at (617) 325-1999.


Unlock new possibilities and optimize your homeownership experience with Energy Credit Union's Mortgage Refinancing. Whether you're looking to lower your monthly payments, access equity, or secure a better interest rate, we're here to help you achieve your financial goals. Refinance your mortgage with us to potentially secure a lower interest rate, leading to reduced monthly payments and increased savings.

Leverage the equity in your home for major expenses, such as home improvements, education, or debt consolidation, through our refinancing options. Tailor your mortgage to fit your current financial situation. Explore flexible terms and repayment options that align with your goals and lifestyle. Trust in our commitment to protecting your financial well-being. As a valued member of our credit union, your security is our top priority.

  • 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).

Mortgage Refinancing Calculator

This calculator will help you to decide whether or not you should refinance your current mortgage at a lower interest rate.

If you're not sure, multiply your current balance owed by 0.03.

Not only will this calculator calculate the monthly payment and net interest savings, but it will also calculate how many months it will take to break even on the closing costs.

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