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All deposits are fully insured at Country Bank through both FDIC and DIF. Please Click Here to view our 2022 Annual Report.

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  • 100% financing for single family properties and condos.*
  • 95% financing for 2 family properties.


  • First Time Homebuyer.
  • Minimum credit score of 680.
  • Debt-to-Income Ratio is determined based on the credit score.
  • Income restriction to 100% of median family income in Hampden County, Hampshire County or Worcester County MSA.
  • For a 2 family property, borrower must have 5% of own funds.
  • Property must be owner-occupied.


  • 100% financing , no need to save for down payment.*
  • Mortgage Insurance is not required, allowing for increased purchasing power.

Get Started Today

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*Maximum financing is based on sales price or appraised value, whichever is less.
Additional Disclosures: Homebuyer counseling required prior to closing. For 2 family properties, Landlord counseling is also required prior to closing. First Time
Homebuyer is classified as not having owned a home within the last 3 years. Property being purchased must be located in Country Bank’s Assessment Area.
Please call Country Bank at 800-322-8233 for any questions on the No Down Payment First Time Homebuyer Program.