IMPORTANT ACCOUNT SAFETY INFORMATION Fraudsters are calling The Cooperative Bank customers about potentially fraudulent activity on your account. The fraudsters’ caller IDs appear to be from TCB and are asking for personal information such as social security numbers and account & debit card numbers. TCB will never call to verify this information. It is a scam.
If you receive a call and you are unsure if it is legitimate or not, hang up and call us directly at 617-325-2900.
You want your money to help you achieve as many life goals as possible. TCB is ready to support you with sound advice, attentive personal service, the right account, loan options, and efficient online tools.
At TCB, we have mortgage programs for all home buyers, including first-time homebuyers, second homes, and investment properties.
Timely Loans With Competitive Rates
Home loans are available for other needs, including weddings, vacations, or unexpected emergencies.
From the time you are pre-qualified or decide to refinance, right through to the closing, you will experience responsive service and quick turnaround on your requests.
A fixed-rate mortgage has an interest rate that remains the same for the life of the loan. In other words, your total monthly payment of principal and interest will remain the same over time.
With an adjustable-rate mortgage (ARM), your interest rate may change periodically with the first adjustment being in five, seven, or ten-years—which means your mortgage rate will rise if rates are higher at the period built into your loan. ARMs are ideal if you’re planning to live in your existing home for a short time, or if you’re expecting your income to grow in the future.
Buying your first home is now easier than ever. As a participating lender we offer various affordable mortgage programs. Click here to learn more.
A home equity loan gives you the opportunity to borrow against the equity in your home for home improvements, tuition, a new car, debt consolidation or just about any other worthwhile purpose. Unlike a home equity line of credit, a home equity loan is a one-time lump sum loan that you will pay off over a set amount of time, with a fixed interest rate.
TCB offers a variety of terms. Ask one of our mortgage financing specialists for details. This type of loan may also offer tax benefits. Consult with your tax advisor to understand how a home equity loan may affect your personal tax picture.
A home equity line of credit (HELOC) gives you the opportunity to borrow against the equity in your home for home improvements, tuition, a new car, debt consolidation, or just about any other worthwhile purpose.
Unlike with a home equity loan, with a HELOC you are approved to borrow up to a certain amount, but you only pay interest on what you actually borrow. In this way, a HELOC works a lot like a credit card, but often with lower interest rates. Ask one of our mortgage financing specialists for details.
The interest you pay on your HELOC may be tax-deductible. Consult with your tax advisor to understand how a home equity line of credit may affect your personal tax picture.
Personal relationships are at the core of community banking—the ability to have a meaningful discussion with a decision maker, to get advice for a small matter, or just connect with someone who knows what you’re going through.
Miguel oversees TCB’s commercial and residential lending division. He is an industry veteran with nearly 30 years of expertise in commercial real estate lending and construction and business loans. Miguel has worked for such banks as USTrust, Citizens Bank, and Century Bank, always focusing within the Boston/Cambridge markets. His knowledge of these areas helps his customers make prudent decisions regarding their businesses and investments. Additionally, Miguel has served on many nonprofit organizations boards including Ellis Memorial (South End) and Sociedad Latina (Mission Hill). He has been a mentor for young professionals at Conexion and was a member of LeadBoston. He also has been very involved in youth sports and coaching travel basketball, little league baseball, and travel soccer for the town of Milton. Miguel is a graduate of Eastern Conn State University.
AVP, Mortgage Loan Officer
Jared has over ten years of experience as a mortgage banker. A lifelong Massachusetts resident, Jared grew up on Cape Cod, graduated from Boston College where he excelled in baseball and has been working in banking ever since. He offers a special hands-on approach and truly enjoys and values his time spent with borrowers and helping them to achieve their mortgage needs. In his free time, he enjoys his family, traveling, and watching Boston sports.
VP, Community Lending
Renee is the VP of Community Lending at The Cooperative Bank and focuses on the Greater Boston area and all surrounding communities. Renee has 38 years of experience in lending, having worked for large national banks and smaller community-based banks. She has a focus on affordable housing, first home buyer mortgage products, and first-time home-buying educational programs. She partners and serves on the lending committee for Massachusetts Affordable Housing Alliance also known as MAHA, and she also partners with multiple nonprofit entities. She is a past board member of the Mass Mortgage Bankers Association where she served for six years. She is a current member of the selection committee of the Citizen’s Housing and Planning Association.
AVP, Mortgage Loan Officer
Here at TCB, we are a close-knit group. We treat our customers as though they are family and build relationships that last a lifetime.
Peter joins the TCB family with over 30 years of experience building relationships. Most of his career was spent working in finance and account management in the greater Boston marketplace. He started his career in sales, but then grew to hold various roles negotiating multi-million dollar contracts with the largest banks and insurance companies in the United States, as well as the Commonwealth of Massachusetts’ executive agencies. Peter has been married to his wife Judy for 28 years. They have raised three children In Tyngsborough, Massachusetts, who are one of his greatest sources of pride. Peter is a great sports enthusiast. In his spare time, he has coached softball at UMass Lowell and Phillips Academy Andover, as well as coaching his own children in baseball.
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