Skip to Utility Navigation Skip to Primary Navigation Skip to Main Content
Country Bank Logo

Please note, all Country Bank offices will close at 2:00 p.m. on Wednesday, December 14th, so our team members can attend our all staff event. Our ATMs, Online and Mobile Banking will be available for your convenience.

Skip to Footer

Overview

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

Eligibility

  • 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.

Benefits

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

Get Started Today

Click below to apply with one of our experienced lenders.

Apply Now

Rates

Click below for updated rates.

Rates

  • This field is for validation purposes and should be left unchanged.


*Please refrain from including sensitive information.

*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.