* Annual Percentage Rate (APR) advertised with 0 points and first lien on a qualifying 1-4 family owner-occupied residence. Subject property must be located within Hampden, Hampshire or Franklin County of Massachusetts; maximum loan amount $766,550, loan to value ratio (LTV) of 95% or less, Private Mortgage Insurance (PMI) required if the LTV is more than 80%, and a minimum credit score of 680.  Rates and fees may vary based upon your credit profile, property type, and/or LTV.  Account subject to credit approval. Rates current as of 02/23/2023and are subject to change. Homeowners’ (and flood if applicable) insurance is required.  Repayment example: $5.92 per $1,000 borrowed for 360 months.  Payments do not include amounts for taxes and insurance, the actual payment will be greater.

** Subject to credit approval, pre-approval with 120 calendar 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 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 for more details.