Before You Buy A Home

Helping you along the home buying journey.

Buying your first home can be exciting and overwhelming all at the same time – which is why we have a variety of tools and resources to help you through the experience. Whether you’re just starting to save or you already have a house in mind, we can help you get the keys to your first home.

The real estate game can be very competitive. Every little advantage can help you get the house. Let Florence Bank prequalify 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 qualified for financing. It could make the difference between getting the perfect house or losing it.
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Our 120-day pre-approval with guaranteed rate-lock strengthens your offer, protects your rate, and allows you to house shop with confidence. We will automatically lock in the interest rate for 120 calendar days at no cost at the time of your pre-approval application. This will allow you time to get approved, shop for a home, and close on your loan.

* Subject to credit approval, pre-approval with 120 day rate lock on a qualifying primary, single family, owner occupied residence. Subject property must be located within Hampden, Hampshire or Franklin County of Massachusetts. To guarantee 120 day rate lock, a qualifying property must be identified and mortgage application submitted by the 75th calendar day from the date of the rate lock agreement. Only available on certain mortgage products. Contact for more details.

To begin your home buying journey, contact a mortgage specialist from Florence Bank today , a full-service bank with branches conveniently located throughout Western Massachusetts.

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