Mortgages

Shopping For a New Home?

Looking to purchase a new home and want to know how much you will qualify for?
Check with us before you submit an offer and we’ll help you decide what product is right for you!

Not sure what you need to get started? Not to worry! We’ve put together a list of documents you’ll need to start your mortgage application.

Save up to $1,250* on Mortgage Closing Costs!

Greenfield Co-op has a mortgage offer to make your purchase that much sweeter. Don’t miss the opportunity to receive a $750 closing credit, plus another $500 when you get preapproved by GCB. Learn More!

*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. For new first mortgage loans on 1-2 family owner-occupied homes or who refinance from another mortgage provider. Minimum $100,000 loan, no investment properties, applied for on or after 2/1/2024 and close by 9/30/2024. Homeowners insurance and flood insurance (if applicable) is required. Offers are subject to change or end without notice, see bank for details.

Pre-Qualification

Want to know what purchase price works for you? Getting pre-qualified is fast, easy, and strengthens your buying power. We use the stated information you provide on the pre-qualification application to determine what you might qualify for when purchasing a home.

Pre-Approval

Gain a competitive edge against other potential buyers when making an offer by getting pre-approved. We collect your supporting documentation for a pre-approval for a more assured loan decision. As a result, there’s less paperwork to worry about once your offer on a home to purchase is accepted.

Fixed Rate Mortgage

With a fixed rate mortgage, your interest rate and your monthly principal and interest payment will stay the same for the life of the loan. The rate on a fixed rate mortgage is generally higher than an adjustable rate mortgage.

Adjustable Rate Mortgage (ARM)

An ARM usually features a lower rate than a fixed rate mortgage, but the rate is adjusted periodically so your payments may fluctuate. Is it the right loan for you? We can help you decide by calculating the maximum amount you’ll have to pay.

First Time Homebuyer

We offer accessible first-time homebuyer loans designed for your financial journey. Explore our options to turn your dream of owning a home into a reality. 

Construction Loans

You have the option to choose a fixed rate or adjustable rate mortgage for construction costs. Either option requires only one closing.

Land Loans

These types of loans are for purchasing land for future primary residence home building.

Is it time to refinance?

Come talk with us. We’ll be happy to review your existing mortgage, your financial situation and current interest rates, and help you decide if refinancing is right for you.

Ready to apply? We make it easy to apply online!

Ready to take control and meet your home ownership goals?

Dive into our blog where we break down what you need to know and share resources to empower you!

Our Mortgage Originators

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

Greenfield Cooperative Bank NMLS # 423230