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  • 100% financing for single family properties and condos.1
  • 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.1
  • Mortgage Insurance is not required, allowing for increased purchasing power.
  • $1,500 closing cost incentive2

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1Maximum 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.

2$1,500 closing cost credit is only valid on First Time Homebuyer Program applications received, approved and closed with Country Bank. First Time Homebuyer program restrictions apply. All loan applications subject to credit underwriting and property approval (subject to change at any time). The incentive will be applied as a Lender Credit on the Closing Disclosure at time of closing if you open or have an existing Country Bank checking account, along with a minimum of four (4) of the following services: Internet Banking with e-Statements, Mobile Banking, Statement Savings Account/Money Market Account, Debit Card or ATM Card, Direct Deposit into your Country Bank checking account or Automatic payment of your mortgage from your Country Bank checking account. Other fees may apply. All accounts and services must be established within twenty (20) days from the date of application or the incentive to receive the credit is null and void. All accounts and services are subject to individual approval. Cannot be combined with any other offer. Only one (1) coupon per mortgage application allowed. This offer can be withdrawn at any time.

Please call Country Bank at 800-322-8233 for any questions on the No Down Payment First Time Homebuyer Program.