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 MI Plus helps pay your mortgage in case of job loss
  • Local loan servicing: if you need us, you’ll always know who to call

Products for Homebuyers

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

How to Qualify

  • Be a first-time homebuyer
  • Complete an approved, pre-purchase homebuyer education class prior to closing
  • Have a total household 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 our Team

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.

Ronnie Lizzaro

Ronnie Lizzaro

NMLS: 1528342

Ronnie is a loan officer in TCB’s Community Lending Department and works with Renee Owens to help first-time homebuyers navigate the process of purchasing their first home. A Roslindale native, Ronnie takes great pride in knowing he can truly help those in the community he grew up in and loves to show people that their dreams of homeownership are often closer than they realize. Ronnie is a proud graduate of Boston Latin School and has received his Master’s Degree in Urban Affairs from Boston University, with a Graduate Certificate in Urban Policy & Planning.

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