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

Meet Renee

Headshot of Renee Owens View Bio

Renee Owens
VP, Community Lending
Meet the Whole Team
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.

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