Mortgage Loans


Lusitania Savings Bank has been a mortgage specialist in your community for more than 30 years.  Our customers come back to us for their home financing needs again and again because they know Lusitania will work with them to make sure they get a customized mortgage loan that is right for their individual goals.  Whether you are a first-time home buyer or an experienced real estate investor, a Lusitania loan representative will always be happy to answer your questions before, during and after you close on your loan.

Fixed and Adjustable Rate Mortgage Loans

You’ve finally found your dream home or next investment property – now you need the financing that can make that property your own.  We offer a variety of purchase mortgage loans at both fixed and adjustable rates to accommodate your immediate and long-term financial goals.

  • Fixed Rate Mortgage: our most popular loan program. With a fixed rate mortgage loan, you get the security of a single interest rate over the life of your loan and the same payment on a monthly basis.
  • Adjustable Rate Mortgage: an adjustable rate mortgage (or ARM) offers a lower initial interest rate than a fixed rate mortgage, but the interest rate is subject to change after the initial period is over.

Take a look at some of our current fixed rate mortgage rates below:

APR Effective Date: 02/14/18

Home Equity Loans

Lusitania Savings Bank offers home equity loans that will allow you to put the equity that you’ve built up in your property to good use. Our home equity loans are available as either a variable rate home equity line of credit to be used as you need it or as a fixed rate home equity installment loan. Both types of home equity loans can be used for whatever you need – anything from home renovations to college tuition.

  • Home Equity Line of Credit: features a variable rate and can be drawn upon on an ongoing basis as you need it to pay for any unforeseen expenses that may come up.
  • Fixed Rate Home Equity Loan: features a fixed rate that won’t change over time and gives you the exact amount of money that you need now.

First-time Home Buyer’s Program

Let’s face it, buying a home for the first time can be a scary (and expensive) experience. But it doesn’t need to be – a Lusitania loan representative can guide you through the process every step of the way and with our First-Time Home Buyer’s Program, you may be eligible for up to 90% financing with no mortgage insurance required!

Investment Property Financing

Lusitania offers financing for every type of property you’re looking to add to your investment real estate portfolio. Better yet, with Lusitania’s Investment Property Loan Bundle Program, you will be amazed at how much we can save you each year.

  • Investment Property Loan Bundle Program: by taking out or refinancing two or more mortgage loans with Lusitania at the same time, you may be eligible for a discount of up to 1% off the mortgage interest rate on each investment property loan. Our mortgage loan rates are already super competitive –imagine how much you could save each year if your loan rate was discounted further down with this program.

Have a look below and then contact one of our loan representatives for more information:

APR Effective Date: 02/14/18

All Loan Products Subject to Credit Approval

Start your savings by contacting our Mortgage Professionals today!



Maria C Pequito-Duarte – NMLS#663718 Lorraine Oliveira – NMLS#663719
Vice President Lending Mortgage Lending Coordinator
Direct: 973 344-5125 Ext 118 Direct: 973 344-5125 Ext 129
Email: Email:
Ana De Jesus – NMLS#663720 Lucy Mota – NMLS#663722
Mortgage Processor Mortgage Processor
Direct: 973 344-5125 Ext 127 Direct: 973 344-5125 Ext 126
Email: Email:
Kelly C. Baptista – NMLS#1462996
Mortgage Processor
Direct: 973 344-5125 Ext 138
Lusitania Savings Bank