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Mortgage Services

There’s not much in life more exciting than buying a home.  Our experienced mortgage professionals will make the experience a positive one.  There will be no surprises – they spend the time to be sure you understand your mortgage or home loan every step of the way.  You can visit our loan offices in Watertown Square or use our Online Mortgage Center to explore various mortgage or home equity rates and terms, including closing costs.  From the comfort of your home you can "test" various mortgage and loan options to see how they will fit your budget.   Or use the “Rate Watch” feature to be notified when rates change.

FIRST-TIME HOMEBUYERS!  Take advantage of our great rate for first-time homebuyers.  The advertised rate requires a 20% down payment, a credit score of 740 or higher, and you must set up an auto-payment from a Watertown Savings Bank checking account.  If you have less than 20% to put down, add .50% to the rate- still a great deal!  Plus, you will receive a $550 discount on closing costs!

Click here for a printable mortgage rate sheet.

If you have any questions while on our site please call our Customer Support Line at 800-207-2525 during business hours:

Mon - Wed 8:30 to 4
Thursday 8:30 to 6
Friday 8:30 to 5
Saturday 8:30 to 12:30

or email them at

IMPORTANT: E-mail is generally not a secure form of communication. Please do not include account number or social security information in this correspondence.

The Secure and Fair Enforcement Mortgage Licensing Act (also known as the SAFE Act) was updated in June 2011 and requires that all Mortgage Loan Originators (MLO) be registered with the Nationwide Mortgage Licensing System (NMLS) and Registry, and their full name and registration number be accessible to the general public.  The NMLS ID for Watertown Savings Bank is 462041.  The following employees of Watertown Savings Bank have been registered (MLO Registration number in parentheses) and are fully compliant with the requirements of the SAFE Act.

Torrance Dean (#536926)
Virginia Gentile (#536929)
Cynthia Iskenderian (#40742)
Eileen Lauria (#536928)
Ronald LeSanto (#536927)


The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

The Federal Agency that administers compliance with this law concerning this creditor is:  Federal Reserve Consumer Help P.O. Box 1200 Minneapolis, MN  55480


Member FDIC | Member DIF | Equal Housing Lender

©2017 Watertown Savings Bank. All Rights Reserved. | Headquarters: 60 Main Street, Watertown, MA 02472 | tel: 800.207.2525