Personal Banking

Community Lending

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
Headshot of Renee Owens

Renee Owens

VP, Community Lending
NMLS: 623944

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.

Marcus Diaz

Community Lending Loan Officer
2133654
Community banking is about building relationships and making a real impact. I love being able to support individuals and families on their journey to homeownership, helping my community thrive is what makes this work so rewarding.

Marcus is a Boston native, raised in Jamaica Plain, with over seven years of experience in banking. Passionate about helping individuals and families achieve their homeownership goals, Marcus specializes in guiding first-time home buyers through the mortgage process with confidence and clarity. Committed to community banking, Marcus believes in the power of financial education and local support to strengthen neighborhoods and create lasting opportunities. With deep roots in the Boston area, Marcus is dedicated to empowering residents with the knowledge and resources they need to make informed financial decisions and build a stronger community through homeownership. 

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