Pittsfield Cooperative Bank > BORROW

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We can help you with the keys to home ownership!

Whether you’re buying, building, or refinancing a home, condo, or a vacation getaway, we’re here to help. We are specialists in home loans, and will work with you to find the right loan for your needs.

Use the chart below to learn the options for making your ownership dreams a reality.

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Product	Fixed-Rate Mortgage
Interest rate	The rate and payment amount are set for the life of the mortgage. This type of mortgage provides maximum predictability.
Types of Property	1-4 family owner-occupied homes and condominiums
Terms	Flexible
Conventional Loan Interest Rate Limit	One-Unit Limit: $806,500 Two-Unit Limit: $1,032,650 Three-Unit Limit: $1,248,150 Four-Unit Limit: $1,551,250
Jumbo Loans, above conventional loan limits	Yes
Available for vacation and investment homes	NO
Available for refinancing	Yes
Rate Lock available at application	Yes
Rates	Rates
Apply	Apply

Product	Adjustable-Rate Mortgage
Interest rate	The rate and payment amount are set for an initial period of time and then can adjust up or down with market conditions. This type of mortgage generally offers a lower initial interest rate.
Types of Property	1-4 family owner-occupied homes and condominiums
Terms	Flexible
Conventional Loan Interest Rate Limit	One-Unit Limit: $806,500 Two-Unit Limit: $1,032,650 Three-Unit Limit: $1,248,150 Four-Unit Limit: $1,551,250
Jumbo Loans, above conventional loan limits	Yes
Available for vacation and investment homes	Yes
Available for refinancing	Yes
Rate Lock available at application	Yes, locked for the initial period
Rates	Rates
Apply	Apply

Product	First-Time Home Buyer Mortgage
Interest rate	Both fixed-rate and adjustable-rate mortgages are available. 11% down. No PMI.
Types of Property	1-4 family owner-occupied homes and condominiums
Terms	Flexible
Conventional Loan Interest Rate Limit	One-Unit Limit: $806,500 Two-Unit Limit: $1,032,650 Three-Unit Limit: $1,248,150 Four-Unit Limit: $1,551,250
Jumbo Loans, above conventional loan limits	No
Available for vacation and investment homes	No
Available for refinancing	No
Rate Lock available at application	No
Rates	Rates
Apply	Apply

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Contact a Lending Expert Today!

	Mary Coughlin VP/Residential Mortgage Manager NMLS# 1785303 413-629-1605 Email

	LouAnn Harvey VP/Originator NMLS# 763683 413-629-1625 Email

	Spring Burke VP/Advisor NMLS# 597840 413-629-1635 Email

	Janice Acklin AVP/Advisor NMLS# 759347 413-629-1608 Email

	Richard Whalen Secondary Mkt Mgr NMLS# 2244352 413-629-1610 Email