Residential
Ready for your big move? We'll help you find the right path.
When it comes to buying a home, there's an easy way to remove the stress and hassle. You can rely on Florence Bank for sound advice and various mortgage options tailored to your unique needs. Our mortgage team takes the time to listen and understand your current financial situation and long-term goals. You can focus on finding the right home for you and your family, and we’ll handle the financing.
To view our Mortgage Rates, click here.
Select the Mortgage product below to learn more information and to begin the mortgage application process:
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 Florence Bank's local mortgage experts, so you can start planning your budget without worrying about your rate increasing. Learn More
Adjustable Rate Mortgage
Our Adjustable Rate Mortgage can help you finance your home by offering a discounted rate that delivers savings at the start of the loan, when you may really need it. Learn More
Jumbo Mortgage
When you need more financing for your luxury home, Florence Bank has you covered with a Jumbo Mortgage in an amount above conventional conforming loan limits.
While it is larger than most home loans, a Jumbo Mortgage may be your best choice depending on your income, the price of the home you want to buy and the mortgage loan options available to you. Florence Bank offers Jumbo financing for loans above $548,250.
Land Loan
If you have finally found the perfect plot of land, a Land Loan from Florence Bank is a convenient and easy way to buy your property. Let us help you make your dream home a reality.
Construction Loan
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 your mortgage questions, we can also help you with an affordable mortgage loan that makes the most financial sense for you.
USDA Loan
Are you a home buyer looking for housing in the rural areas of Western Massachusetts? A USDA Loan may be an affordable financing option for you.
The USDA Loan, a loan offered by the U.S. Department of Agriculture, is a government-backed loan offered to qualified home buyers that are specifically looking for housing in rural areas. This type of loan is for home buyers that are seeking a payment option with little to no down payment, as a USDA Loan can typically finance 100% of a mortgage. One of the main stipulations with this loan is that the home purchase must be in an area classified as “rural” by the USDA.
MassHousing
Housing loan might be right for you. Many new homebuyers meet MassHousing’s income eligibility requirements, and can benefit from low down payment options, fixed rates, and low mortgage insurance premiums with job loss insurance.
Have you already started an online mortgage application? Click "Resume Application" to pick up where you left off.
Florence Bank is a full-service bank with branches conveniently located throughout Western Massachusetts.
