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Borrow locally, and benefit from low mortgage rates and free appraisals!

If you're looking to finance the new purchase of a single-family home, and you apply by August 31, we’ll even pay your appraisal fee (up to $350)! It’s one more smart reason to borrow from a local bank that makes quick decisions and invests in the community - that’s you! Find out how easy we make it to buy a home: stop in or call us today.

Great mortgages at great rates. Fast, local decision-making. Online application.

Buying a home, building a new one or refinancing your present mortgage? Turn to Northampton Cooperative Bank for competitive rates - and fast answers, because we make decisions right here.

Become a successful homebuyer. When you prequalify for a mortgage with us, you can shop for a home with confidence, and demonstrate to sellers that you are ready and able to buy. Plus, you'll receive $100 credit towards your closing costs here. It's easy to prequalify: start here.

To find out more about the best mortgages in western Massachusetts, stop in to any of our convenient locations, e-mail us, or call Christine Gagnon at 413-584-4474 in Northampton, Dawn Hibbert at 413-584-5266 in Florence, Maureen Bowler at 413-549-6622 or Jenicca Gallagher at 413-658-0073 in Amherst.

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Adjustable Rates

Fixed Rates

Types of Mortgages and Financing

At Northampton Cooperative Bank, we offer a number of different mortgage products, all at competitive rates. Stop in to any of our offices in Northampton, Florence or Amherst, to find out which one is right for you.

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. If you plan to move in a few years, or if you think interest rates will decline, you may want to consider an ARM. At Northampton Cooperative Bank, we offer 5-year ARMs that can be amortized up to 30 years.

Fixed rate mortgage

With a fixed rate mortgage, the rate - and your monthly 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. We offer 10-year, 15-year, 20-year and 30-year fixed rate mortgage loans.

Construction loan

Planning to build your dream home? At Northampton Cooperative Bank, we offer 5-year adjustable rate construction loans, as well as fixed rate construction loans.

When to refinance

Thinking about refinancing? Stop in to talk to us. We'll be happy to review your existing mortgage, your financial situation and current interest rates, to help you decide if it's a good time for you to refinance.

Home equity line

Whether you're applying for a new mortgage or refinancing, ask us about a Northampton Cooperative Bank home equity line.