Mortgage Products


Today's Rates

30 Year Fixed Rate
Rate APR Points
4.000% 4.053% 0
20 Year Fixed Rate
Rate APR Points
3.750% 3.821% 0
15 Year Fixed Rate
Rate APR Points
3.375% 3.466% 0
10 Year Fixed Rate
Rate APR Points
3.250% 3.400% 0

Tips for Improving Your Credit Score
Tips for Saving for Your Down Payment
Important Questions When Choosing Your First Home
Housing Terms 101



This 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 and Country Bank will pay $1,500 toward closing costs.*

Click here for the $1,500 coupon.

*A minimum of four (4) services, plus the Country Bank 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 coupon 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 Mortgages The Country Bank Adjustable Rate Mortgage (ARM) has an interest rate that is adjusted periodically throughout the life 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 Mortgages The Country Bank Fixed Rate Mortgage features one level principal and interest payment over the term of the loan. This is the original and most popular of all mortgages.
MassHousing Operation Welcome Home

A new program 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 Advantage

 Country Bank offers the Freddie Mac Home Possible Mortgage and the Freddie Mac Home Possible Advantage Mortgage. These mortgages offer additional flexibility of higher loan-to-value and total loan-to-value ratios.

Construction Mortgages Our 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 closing and one simple process.
Investment Properties Country 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/Rehab financing is available on Adjustable Rate Mortgage products.
Rural Housing Loans Rural Housing Loans is a 100% financing program in eligible rural areas.
MassHousing Mortgage A MassHousing Mortgage is a low down payment program for income-eligible individuals, available with and without Private Mortgage Insurance (PMI).
Land Loans Country Bank offers two different 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 Loans Mobile Home must be affixed to a permanent foundation on its own land.

Visit our Resource Center for additional mortgage information.

Click here for our current rates 

Click here to apply now (if you are experiencing problems accessing this "apply now" link, please try updating your browser).

For complete details on any mortgage product, call 800-322-8233 or visit any Country Bank office and speak with one of our loan professionals.


Country Bank is a full-service, mutual savings bank with 14 branch locations helping the families and businesses of central and western Massachusetts. For the

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