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Let us Guide You Through the Mortgage Process

At Country Bank, we know the Mortgage process can be a complicated one. As a result, we strive to help our customers get through it as seamlessly as possible. If you’re ready to take the first step, get started by talking to one of our loan professionals. If you’d like to gain a better understanding of the process first, we’ve broken it down below.

Compare Options

  • Mortgage Options

    Mortgage Options

    Contact a lender to learn more about these different offerings.

    POPULAR OPTIONS:

    • FIRST-TIME HOMEBUYER PROGRAM
      This program is available to borrowers who have not owned a home in the last three years. Country Bank will pay $1,500 toward closing costs.
    • FIXED RATE MORTGAGES
      Features a permanent principal and interest payment over the term of the loan.
    • ADJUSTABLE RATE MORTGAGES
      Has an interest rate that adjusts periodically throughout the term of the loan.
    • CONSTRUCTION MORTGAGES
      Available as a fixed rate or adjustable rate loan.

    ADDITIONAL OPTIONS:

    • MASSHOUSING
      Offers a low down payment program for income-eligible individuals.
    • VETERANS LOAN
      Offered in conjunction with MassHousing aimed at helping Veterans buy a home.
    • INVESTMENT PROPERTIES
      For individuals looking to finance 1-4 family investment properties. Both fixed rate and adjustable rate products are available.
    • USDA GUARANTEED RURAL
      Offer 100% financing programs in eligible rural areas.
    • HOUSING- HOME POSSIBLE
      Offer additional flexibility of higher loan-to-value and total loan-to-value ratios.
    • LAND LOANS
      We offer two types of land loans; one for raw land and one for buildable lots.
    • MOBILE HOME LOANS
      Available for mobile homes that are affixed to a permanent foundation on its own land.
  • Competitive Rates

    Mortgage Rates

    MORTGAGESRATEAPRPOINTS
    30 YEAR FIXED RATE3.125%3.194%0
    20 YEAR FIXED RATE3.000%3.096%0
    15 YEAR FIXED RATE2.750%2.874%0
    10 YEAR FIXED RATE2.625%2.805%0

STEPS FOR A MORTGAGE


1

SHOPPING FOR YOUR HOME

There are a few things to consider before shopping for a home. Have you considered the pros and cons of Owning vs. Renting? Have you determined your budget? Have you received a pre-approval from your bank?


2

SHOPPING FOR A LOAN

We will help you find the best loan to meet your financial goals and answer all your loan related questions. From helping you complete your application accurately, to helping you determine what affects your credit score and what affects your interest rate.


3

THE LOAN PROCESS

Our mortgage experts will streamline the steps in the mortgage process to make it easier for you. Don't be afraid to ask questions. Why would you know what a gift letter is if you've never done this before?