Residential Non-Conforming Loans - Eastern Savings Bank Skip Navigation

Residential Non-Conforming Loans

At Eastern Savings Bank, we specialize in niche, non-conforming portfolio loans. We understand that every homeowner’s situation is unique, and that’s why we offer tailored solutions to meet your specific needs.

Non-Conforming Mortgage Solutions

Unlike traditional conforming loans, which adhere to specific guidelines set by government-sponsored enterprises like Fannie Mae and Freddie Mac, non-conforming loans provide flexible options that go beyond the standard criteria. These loans are ideal for borrowers who don’t meet the stringent requirements of conventional mortgages but still deserve an opportunity to own a home. Whether you’re a self-employed individual, have a less-than-perfect credit history, or require a loan amount that exceeds conventional limits, our non-conforming mortgage loans are designed to help you achieve your homeownership dreams.

Our mortgage solutions give more flexibility in helping achieve your goals.

  • Customizable Solutions: We deliver personalized service by taking the time to understand your unique circumstances. Our experienced loan officers will work closely with you to find the best non-conforming mortgage loan that matches your needs, goals, and financial capabilities. We don’t believe in a one-size-fits-all approach because we know your situation and goals are unique, and a cookie cutter solution is not in your best interest.
  • Flexible Criteria: We recognize that not everyone fits into the box of traditional mortgage lending options. That’s why we offer flexible eligibility criteria for our non-conforming loans. Whether you’re self-employed with varying income, have a high debt-to-income ratio, or have experienced credit challenges in the past, we’re here to help find the right loan solution for you.
  • Higher Loan Amounts: Need a loan that exceeds the conventional loan limits? Our non-conforming mortgage loans provide options for higher loan amounts, allowing you to purchase your dream home or refinance your existing property without limitations. We understand that homeownership dreams come in all sizes, and we’re here to support you in achieving them.
  • Competitive Rates: Despite offering flexible terms, our non-conforming mortgage loans come with competitive interest rates. We work to ensure that you receive favorable rates, so you can comfortably manage your monthly payments while enjoying the benefits of homeownership.
  • Expert Guidance: We understand that applying for a mortgage can be a complex process, but we strive to make it as smooth and efficient as possible. Our team of experts will guide you through each step of the process, while ensuring transparency, responsiveness, and a stress-free experience.


Let Us Help Find A Solutions To Your Unique Lending Needs

We help borrowers throughout the Mid- Atlantic market of Maryland, New York, New Jersey, Pennsylvania, Virginia, Delaware and Washington, D.C. achieve their residential mortgage goals. Contact our lending experts to discuss your needs and learn how our non-conforming loan programs can help turn your homeownership aspirations into a reality.

Contact Our Lending Team 


    All loans are subject to application and credit approval. All programs are subject to change and individual loans are subject to approval by Eastern Savings Bank, fsb. Offer of credit is subject to credit approval. NMLS ID: 416453