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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 $726,200.
A USDA 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.
Our 120 calendar 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 calendar day rate lock on a qualifying primary, single family, located in Hampden, Hampshire and Franklin Counties of MA. To guarantee 120 calendar 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 us for more details.