Zero reasons to wait.

With our 100% First Time Home Buyer program there’s no reason to delay your dreams of home ownership any longer. You’ll be home sooner than you thought possible with zero down and zero mortgage insurance.*

Sawyer Savings Bank is THE First-Time Home Buyer Bank. As a community bank, we understand the importance of home ownership and community. We want to help you achieve that feeling of pride and accomplishment when you are handed the keys to your first home!

We can guide first time home buyers through the entire residential loan process — from saving for a down payment, to the day you close on your first home, to information to consider beyond that day.

  • 100% financing available*
  • No Private Mortgage Insurance for loans up to $350,000.00
  • First payment due 30 days from closing, reducing closing costs significantly.
  • Those who have not owned a home in the last TWO years qualify for this program.
  • Loan servicing stays with Sawyer Savings Bank for the lifetime of the mortgage.

Are your looking for a first time home buyer renovation program with 100% financing?


*Certain restrictions apply. Must meet qualification guidelines.