FamilyFirst Bank offers several mortgage loans customized to your specific situation.

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FamilyFirst Bank has money to lend. Whether you are considering the purchase of a new home or refinancing your present mortgage loan, our experienced mortgage loan professionals will provide you with the personal attention that you expect. We offer an array of mortgage loan products tailored to meet your specific needs.

Fixed Rate Mortgage
Our Fixed Rate Mortgage loan provides you with the comfort of knowing that your monthly payment amount will remain constant throughout the life of the loan. We offer a variety of term and down payment options designed to fit your budget.

Biweekly Mortgage
Choose the convenience of our fixed rate, biweekly payment option. You'll make smaller payments more frequently to save interest and reduce your loan balance quicker.

Adjustable Rate Mortgage (ARM)
Are you planning on buying another home in a few years or have expectations of rising income? Our Adjustable Rate Mortgage may be the right product for you. It provides a lower initial rate of interest, which may adjust upward or downward depending on changes in an index. You are protected by rate caps that restrict the amount of each adjustment, generally 2% per adjustment period, with a maximum of 6% over the life of the loan.

Hybrid Adjustable Rate Mortgage
Our Hybrid ARM provides a lower initial interest rate with a stable monthly payment in the early years of the loan. For instance, choosing a 5/1 ARM provides you with a fixed rate for the first five years of the loan term, and then converts to a 1-year ARM for the remaining term.

Construction/Permanent Mortgage
Are you thinking of building your dream home? Our Construction/Permanent Mortgage is ideal for you. You may borrow up to 95% of your land acquisition and construction costs on either a fixed or adjustable rate basis. During the construction phase of your project, you will pay only interest on the actual amounts disbursed. Only one loan closing is required, saving you both time and money.

First-time Homebuyer Programs
Is low income or lack of a down payment keeping you from completing a mortgage application? Take advantage of our special discounted rate programs designed to help you purchase a home. We participate in both the USDA Guaranteed Rural Housing, and the Massachusetts Housing Partnership Soft Second loan programs.

Stop by to discuss your financing options today.

For more information, MassBankMortgages.com can help you learn more about mortgages and the current real estate market.