Getting Started

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Fixed Rate Mortgage

You find the home, we'll make it easy to finance with a fixed rate mortgage. You'll get personal service and quick decisions from our Western Massachusetts mortgage experts and local management team, so you can start planning your budget without worrying about your rate increasing. Go ahead, let out that sigh of relief.

To learn more about our fixed rate mortgages, click here.

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Adjustable Rate Mortgage (ARM)

Our Adjustable Rate Mortgage can give you a hand with financing your home by offering greater buying power. Low introductory rates deliver savings at the start of the loan, when you may really need it.

To learn more about our adjustable rate mortgages, click here.

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Mortgage Pre-Qualification

The real estate game can be very competitive. Every little advantage can help you be the buyer who gets the house. Let Florence Bank pre-qualify you in any of our branches with a letter that states the mortgage amount you've been qualified to borrow. This assures sellers that you're a serious buyer who has already been approved for financing. It could make the difference between getting the perfect house, or losing it.

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Building A New Home

Lucky you, you're building a house! We can't help you choose the right color for the living room, but we can help you choose the right financing. Not only are we able to answer all of your mortgage questions, we can also help you with an affordable mortgage choice that makes the most financial sense for you.

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With competitive refinancing options, our Mortgage Team can help you understand all of your choices when it comes to refinancing. From changing the terms of your current mortgage, to securing a fixed rate, we have a team of lenders that's always available to help you. 

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First-Time Homebuyers Program

The First-Time Homebuyer Program is available if you have not owned a home within the last three years from the date of application. We participate in federal and state programs, including the Guaranteed Rural Housing Program and the MassHousing Loan Program, designed to help first-time homebuyers overcome some of the obstacles to getting a mortgage. Low down payment options are available on all first-time homebuyer loans.

  • Free service from Florence Bank
  • Increases your buying power
  • Quick turn-around time
  • Confidence in buying

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