Notice: In observance of Memorial Day, all SBSI locations will be closed Monday, May 27th, 2024. Normal business hours will resume Tuesday, May 28th, 2024.

Home Loans

Boost your buying power. Work with local lenders. Get loan decisions made right here in Saco.


Fixed or Adjustable Rate Mortgages with a wide variety of competitive rates and terms, processed and serviced right here in Saco. Finance your dream home with a mortgage from your hometown mutual bank.

Home Equity

Tap into your home's equity to make improvements, fund education or finance a big project. Our Home Equity Line of Credit comes with generous terms and a rate that’s fixed for at least the first two years.

Construction Loans

Thinking about building? Partner with our construction experts through every stage from lot purchase to permanent mortgage. One closing. Local decisions and servicing. 

First Time Homebuyer Program

First home? Lean on us to navigate the process and save time and money. Our First-Time Homebuyer Program offers mortgages with reduced down payment options and no PMI (private mortgage insurance), as well as reduced interest rates for additional savings over the life of your loan.

Land Loans

Shopping for property? Find the perfect piece of land right here in Maine. Our land loans give you perks like no construction needed, local decisions and servicing, and our trademark satisfaction guarantee.

Jumbo Loans

Get into the home of your dreams with no maximum mortgage loan limits and some of the best mortgage rates in the market. Local decisions and servicing. Your satisfaction guaranteed.

Government Loan Programs

Are you a veteran or homeowner looking for more flexibility and lower down payments on a mortgage or refinance loan? Find both with federally backed VA and FHA loans. Buy, finance home repairs and more. See if you’re eligible.

Medical Doctors Program

Are you a medical doctor? You may be entitled to a special Mortgage Loan with up to 100% financing, no Private Mortgage Insurance (PMI) and use of employment contracts for qualification.


Meet the SBSI residential lending team

Find more of what you're looking for