Sensitive to the individual needs of our customers, we work closely with them through every step of the process. From application to closing, South Adams Savings Bank is there for you.

Click on a category below for more information on our lending programs.

Adjustable Rate Mortgages

• Available for owner occupied 1-4 family homes
• No point options available
• Rate adjustment periods of 1, 3 or 5 years
• A variety of terms available

• Low down payment options

Fixed Rate Mortgages

• Available for owner occupied 1 – 4 family homes
• Competitive interest rates
• A variety of terms available
• Low down payment options

• Bi-weekly payment options available

	Click here to access our interactive calculators with dynamic graphs and customizable reports!
	For Fixed Rate Mortgage Rates Click Here!
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Construction Loans

• Construction to permanent financing in one loan, no need for a second closing
• Flexible disbursement schedule
• Owner occupied, single family dwelling

• Available for fixed and adjustable rate mortgages

	Click here to access our interactive calculators with dynamic graphs and customizable reports!
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First Time Homebuyers Program

• Participant in Good Samaritan Home Ownership Program through the Berkshire Housing Development Corporation
• Below market fixed interest rates
• Low down payment requirements

• Income qualifying requirements

	Click here to access our interactive calculators with dynamic graphs and customizable reports!
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More information on any of our lending programs can be requested through e-mail or by calling us at 413-743-0040.
To best serve our customers, South Adams Savings Bank will grant loans within Berkshire County and Southern Vermont