Loan Products

Mortgage Loans

Click here to enter the Pittsfield Cooperative Bank Mortgage Center

  • Check our current rates
  • Apply now by completing an application
  • Visit our Resource Center and answer some of your questions about mortgages.

We intend to retain your mortgage at the Bank, providing you with one-on-one loan servicing for the life of the loan, unless you select a loan type that is designed for resale in the secondary market.

Fixed Rate

  • To purchase or refinance a 1 to 4 family owner occupied or vacation home.
  • Loan amount is based on a maximum loan to home value ratio of 80%.
  • Annual Percentage Rate is fixed for the life of the loan.
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Adjustable Rate

  • To purchase or refinance a 1 to 4 family owner occupied or vacation home.
  • Loan amount is based on a maximum loan to home value ratio of 80%.
  • Annual Percentage Rate may vary based on the loan type you select.
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First Time HomeBuyer

  • To purchase your first 1 to 4 family owner occupied home.
  • Loan amount is based on a maximum loan to home value ratio of 89%.
  • Fixed and adjustable rate products available.
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Bi-Weekly

  • Available for purchases and refinances.
  • Loan amount is based on a maximum loan to home value ratio of 80%.
  • Annual Percentage Rate is fixed for the life of the loan.
  • Payments are made every 14 days from your Co-op account helping you to reduce the term of the loan.
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Secondary Vacation Homes & Condominiums

  • Available for purchases and refinances.
  • Loan amount is based on a maximum loan to home value ratio of 80%.
  • Fixed and adjustable rate products available.

Home Equity Loans

  • Offered to homeowners based on the equity value of their residence.
  • A fixed rate based on a fixed term.
  • NO application, appraisal, attorney fees, or closing costs on a primary residence. 

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Welcome

The Pittsfield Cooperative Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to the web server.

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