We Make It Easier To Buy
A New Home

Buying a house is a big step and choosing the right bank for your mortgage is just as important as choosing the right house.

Meghan Gregoire, our mortgage originator, is here to make getting an affordable mortgage easier for you. Whether you're buying an existing home... building a new one... or looking to refinance your present mortgage, you can count on more assistance from us. At rates that will cost you less. How much can you borrow? Meghan can pre-qualify you, fast.

To find out more - contact Meghan - and receive $100 certificate toward your closing costs!

Meghan E Gregoire Mortgage Originator

Meghan can be contacted at any of the following: Telephone: 413-584-4474 Cell Phone: 413-455-6179 Fax: 413-584-2209 Email: meg@northamptoncoop.com

FOR RATE INFORMATION....

• Is Refinancing Right For You? Generally, it's a good idea to consider refinancing your home whenever the interest rate for mortgages is more than two percentage points below your present mortgage rate. And whether you apply for a new mortgage loan to purchase the home you want, or to refinance your present mortgage, ask us about a Home Equity Line. It can help you save on fees when you apply, interest when you want to borrow money, and, on taxes at the end of the year.

In order to process your mortgage application as effectively as possible, we ask that you provide the following items at the time of your application.

W-2's for the last two years.

Pay stubs for the last four weeks.

Bank statements for the last three months.

List of outstanding loan obligations.

List of credit card obligations.

Cancelled rent cecks for the last twelve months.

If self-employed, last two years of your federal tax returns.

If self employed, a year-to-date profit and loss statement - prepared by an accountant.

Copy of purchase and sale agreement - if applicable - fully executed by all parties.

The following items are to be supplied, completed or signed as requested to enable us to process your application.

Residential Loan Application.

Authorization to Release Information.

Equal Credit Opportunity Notice.

Copy of Real Estate Listing.

Appraisal Fee of $300.00 for single family property.

Appraisal Fee of $500.00 for 2-4 family property.

The fee for other property will be quoted individually.

Once all the required forms have been completed, the package is to be sent to -

Northampton Cooperative Bank
Loan Department
PO Box 150
Northampton, MA 01061-0150

Upon receipt of the package, a credit report will be ordered and a financial analysis for the application will be formulated. We may request supplemental information if any area of the process requires further investigation.

Call Meghan Gregoire, our Mortgage Originator at (413) 584-4474 for additional information about our mortgage loan products or to schedule an appointment.