Unlock Homeownership with our First Time Homebuyer Programs!

Stop dreaming, start achieving!

Whether you prefer the stability of a fixed-rate mortgage with a consistent monthly payment, or the potential for a lower starting interest rate with an adjustable-rate mortgage (ARM****), we have a program for you.

  • Reduced Interest Rate: Save money on your mortgage payment.
  • Lower Down Payment*: Get in your dream home sooner!
  • Lower Private Mortgage Insurance Costs: Minimize the additional expense of PMI* with a program that fits your budget.
  • First-Time Home Buyer Education Credit: Get up to $75** credited towards your required education course.
  • Save on Closing Costs: You may be eligible for up to $1,250*** off closing costs, to ease the financial burden of buying your first home.

* Down payment between 3% – 5%. Private Mortgage Insurance (PMI) required on loans with less than 20% down payment.
* *Borrowers must complete First Time Home Buyer Education. The bank will credit up to $75 for the cost of the course to borrowers at closing. See bank for additional program details.
***GCB will include a mortgage closing cost credit of up to $750, an additional $500 if a GCB pre-approval was obtained. The mortgage closing cost credit is applied at closing. Pre-approval is a conditional commitment; additional documentation will be required for a final loan decision. Subject to normal credit approval, appraisal, and verifications of income. Income limits may apply. For new first mortgage loans on 1-2 family owner-occupied homes. Minimum $100,000 loan, no investment properties, applied for on or after 8/22/2024 and close by 11/29/2024. Homeowners insurance and flood insurance (if applicable) is required.
****Adjustable Rate Mortgage (ARM), the Annual Percentage Rate may increase after consummation.
Offers are subject to change or end without notice, see bank for details.

Contact one of our Mortgage Originators to learn more!

Greenfield Co-op has mortgage experts in branches throughout Western Massachusetts who can help you find the mortgage that’s right for you.