Personal Banking

Community Lending

Buying your first home is now easier than ever with community lending

Buying your first home is now easier than ever.  As a participating lender we offer various affordable mortgage programs.

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Why should you choose
The Cooperative Bank?

  • Competitive interest rates, fixed for the life of the loan
  • Down payment assistance available to qualifying borrowers
  • No hidden fees or surprises
  • We work with you to find the right mortgage programs for your budget
  • Here for you: if you need us, you’ll always know who to call

Products for Homebuyers

We offer many MassHousing programs, as well as the MHP ONE Mortgage program.

How to Qualify

  • Be a first-time homebuyer (haven’t owned a home in the past 3 years).
  • Complete an approved, pre-purchase homebuyer education class prior to closing
  • Have an income that falls within the program guidelines
  • Meet credit and underwriting requirements
  • Use the property as your primary residence throughout the terms of the loan

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