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Steps for a Mortgage


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Help Yourself to Competitive Rates

Mortgage Rates

First Time Homebuyer ProgramThis program is available to borrowers who have not owned a home in the last three years. Single family, two family and Condos qualify under this program. Country Bank will pay $1,500 toward closing costs.*

Click here for the $1,500 incentive coupon.

*A minimum of four (4) services, including Country Bank's Free Kasasa Cash® Checking account, must be established to receive the $1,500 closing cost credit. All accounts and services are subject to individual approval. Only valid on First-Time Homebuyer applications approved and closed with Country Bank. Other fees may apply. Validated promotion must be received no later than FIFTEEN (15) business days from the date of application.

Home Owner's Guide to the Home Improvement Contractor (HIC) Program
Adjustable Rate MortgagesCountry Bank's Adjustable Rate Mortgage (ARM) has an interest rate that adjusts periodically throughout the term of the loan. Typically the initial rate on an ARM is lower than a Fixed Rate Mortgage, which may increase your borrowing power.
Fixed Rate MortgagesCountry Bank's Fixed Rate Mortgage features a permanent principal and interest payment over the term of the loan. This is the original and most popular of all mortgages.
MassHousing Operation Welcome HomeA loan program for Veterans offered in conjunction with MassHousing aimed at helping Veterans buy a home. First-time homebuyers who are US Armed Forces Veterans, Armed Services Reservists, National Guard members and surviving spouses of US Armed Forces Service men and women who died while on active duty are eligible for this program.
Home Possible & Home Possible AdvantageCountry Bank offers the Freddie Mac Home Possible and Freddie Mac Home Possible Advantage Mortgages. These mortgages offer additional flexibility of higher loan-to-value and total loan-to-value ratios.
Construction MortgagesOur Construction Loan is for individuals who prefer to build rather than buy. The Country Bank Construction Loan is available as a fixed rate or adjustable rate loan. We will take you from construction to permanent financing with one simple process and one closing.
Investment PropertiesCountry Bank offers financing to individuals looking to finance 1-4 family investment properties. Both fixed rate and adjustable rate products are now available at competitive interest rates and fees. Purchase and rehabilitation financing is available on Adjustable Rate Mortgage products.
Rural Housing LoansRural Housing Loans offer 100% financing programs in eligible rural areas.
MassHousing MortgageA MassHousing Mortgage offers a low down payment program for income-eligible individuals, available with and without Private Mortgage Insurance (PMI).
Land LoansCountry Bank offers two types of land loans; one for raw land and one for buildable lots. Different terms apply depending on which type of land you are financing.
Mobile Home LoansMobile Home Loans are available for mobile homes that are affixed to a permanent foundation on its own land.