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Please Note: All Country Bank branch drive-ups will be open on Friday, July 3rd from 8 a.m - 2 p.m. and all offices will be closed on Saturday July 4th in observance of Independence Day. As always, our ATM's, Online and Mobile banking services are available 24/7.

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Let us Guide You Through the Mortgage Process

The mortgage process can be a complicated one so why not let us help you every step of the way. At Country Bank, we strive to help each of our customers understand the process and stay informed from beginning to end.

To get you started, we put together a few videos to give you an overview of the process and answer a few frequently asked questions about mortgages. If you have any additional questions, please do not hesitate to speak with one of our loan professionals.

Steps for a Mortgage



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? (PS. Feel free to speak to one of our loan professionals about this part!)



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, we're here to help!



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?

Help Yourself to Competitive Rates

Mortgage Rates

30 YEAR FIXED RATE3.375%3.452%0
20 YEAR FIXED RATE3.250%3.357%0
15 YEAR FIXED RATE3.000%3.136%0
10 YEAR FIXED RATE2.875%3.072%0

Types of Mortgages & Loans

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  • First-Time Homebuyer Program

    First-Time Homebuyer Program

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

    Get the $1500 Coupon

    See Rates

    Apply Now


    Home Owner’s Guide to the Home Improvement Contractor (HIC) Program

    *A minimum of four (4) services, including Country Bank’s Free 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 promotion must be received no later than TWENTY (20) business days from the date of application.

  • Adjustable Rate Mortgages

    Adjustable Rate Mortgages

    An Adjustable Rate Mortgage (ARM) has an interest rate that adjusts periodically throughout the term of the loan. Typically the initial rate on an ARM is lower than a Fixed Rate Mortgage, which may increase your borrowing power.

    See Rates    Apply Now

  • Fixed Rate Mortgages

    Fixed Rate Mortgages

    A Fixed Rate Mortgage features a permanent principal and interest payment over the term of the loan. This is the original and most popular of all mortgages.

    See Rates    Apply Now

  • MassHousing

    MassHousing Program

    A MassHousing mortgage offers a low down payment program for income-eligible individuals.

    See Rates

    Apply Now

  • Veterans Loan
    Operation Welcome Home

    Veteran’s Loan – Operation Welcome Home

    A loan program for Veterans 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.

    See Rates

    Apply Now

  • Construction Mortgages

    Construction Mortgages

    Our Construction Loan is for individuals who prefer to build rather than buy. The Construction Loan is available as a fixed rate or adjustable rate loan. We will take you from construction to permanent financing with one simple process and one closing.

    Learn More    See Rates    Apply Now

  • Investment Properties

    Investment Properties

    We offer 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 and rehabilitation financing is available on Adjustable Rate Mortgage products.

    See Rates    Apply Now

  • USDA Guaranteed Rural Housing

    USDA Guaranteed Rural Housing

    Rural housing loans offer 100% financing programs in eligible rural areas.

    See Rates    Apply Now

  • Home Possible

    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.

    See Rates    Apply Now

  • Land Loans

    Land Loans

    We offer two 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.

    See Rates    Apply Now

  • Mobile Home Loans

    Mobile Home Loans

    Mobile home loans are available for mobile homes that are affixed to a permanent foundation on its own land. Mobile Homes with own land will be financed as 3/3 ARM*, 5/3 ARM, 7/3 ARM or 10/1 ARM; 15 Year (180) amortization

    *Adjustable Rate Mortgage

    See Rates    Contact a Loan Professional

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