Related topics you may be interested in:
Make A Payment

If you have an existing home loan with us and you’d like to make a payment follow the link below.

Home Financing Calculators

Are you looking to make a more informed decision by crunching some numbers? Follow the link below.

Mass Save HEAT Loan

As a Mass Save participant, Liberty Bay members qualify for a 0% interest loan toward select energy efficiency home improvements.

Home Insurance

Liberty Bay members receive exclusive rates through the Travelers Home Insurance Program. If you’re in the market for a new policy, follow the link below.

Start your home loan journey with Liberty Bay

Where you can expect competitive rates, in-house underwriting, and lower closing costs.

FA$Ttrack Financial Education

Buying a Home

Now that you’ve decided to purchase a home, it’s time to familiarize yourself with the buying process! Everyone’s journey to homeownership is different, but they are some common things that every homebuyer should prepare for before they jump in.

Review this short lesson to learn more about:

  • The steps associated with homebuying
  • How to stick to your budget
  • Resources available to help with your decisions
buying a home


There is a lot to understand when it comes to mortgages which can make having a mortgage seem overwhelming. However, taking out a mortgage can be manageable and rewarding as long as you prepare yourself to understand the terms, forms, and processes involved. In just 5 minutes, this lesson will teach you:

  • What mortgages are and how they are used
  • How to identify different types of mortgages
  • How the application process works and different loans to consider

Ask An Expert

Current HELOC Rates

Product/APR*Minimum FICO ScoreMaximum Loan-To-ValueMaximum Loan AmountPayment Per Thousand
Prime +0.25% APR162080%$1,000,000$4.87
Rehab HELOC/Prime +2.00% APR1,264090%$500,000$5.99
Prime +2.00% APR170090%$500,000$5.99

Rates effective as of January 1, 2022. Prime rate currently 3.25%.

Home Equity Loan Rates

Product2Interest RateAPR*Term (months)Payment Per Thousand
7 Year Fixed4.00%4.00%84$13.67
10 Year Fixed4.25%4.24%120$10.24
15 Year Fixed4.50%4.50%180$7.65

Rates effective as of January 1, 2022.

*APR = Annual Percentage Rate. Home Equities and Home Equity Lines of Credit for $400,000 or more require a full appraisal. Credit Union membership is required. Homeowners insurance and flood insurance (if applicable) are required for the life of the loan. Offer is subject to change at any time. Consult your tax advisor regarding the deductibility of interest on these loans.

1. Index is the Prime Rate as published in the Wall Street Journal on the last business day of the previous month. The rate may increase during the term of the loan. Minimum credit line is $15,000. The maximum APR is 18.00%. Floor rate is 3.00%.

2. Rehab Home Equity Lines require a full appraisal regardless of loan amount.