Mortgage Lending

WCB offers mortgage packages for your residential real estate located in the communities that we serve. Our solutions include competitive financing with terms that are tailored to meet your needs. Mark Fisher or Coley Carden would be happy to discuss your residential real estate needs and help determine how WCB can help make your homeownership dreams come true.

For additional details regarding any WCB loan program, please come into the bank and speak with one of our Mortgage Specialists, or call us at 781-729-3620.

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Pre-Qualification

Before you begin your home search let one of our Mortgage Professionals help you to determine how much you can afford. We can also pre-approve you for a mortgage which may help in your home search.

Fixed Rate Mortgages

The primary advantage of a fixed rate mortgage is the security of a monthly principal and interest payment that remains the same over the life of the loan. WCB offers fixed rate first mortgages with various terms. Choose one of our shorter terms if you're comfortable with a higher payment and you will have the benefit of substantial interest savings, or choose a longer term you will benefit from a lower monthly payment. Please contact one of our Mortgage Professionals to find the best financing option for you. Also please understand that your loan will always be serviced by WCB, which means you simply need to contact us with any question and you will receive a prompt reply. Click here for Rate information.

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Adjustable-Rate Mortgages

An Adjustable-Rate-Mortgage (ARM) is a type of mortgage that has a monthly payment that may change over the term of the loan. WCB specializes in ARM financing offering three, five or seven year programs that include features such as periodic and lifetime rate caps. These programs offer interest rates that will not change for the initial three, five or seven years of your loan, then may change every three, five or seven years depending on the program you choose. Generally ARMs offer affordable alternatives to conventional fixed-rate loan products and our team of mortgage professionals will work with you to select a program that is best suited to your borrowing needs. Our flexible product offering also include Jumbo Loan financing options. Please contact one of our Mortgage Professionals to find the financing solution that will help to make your home affordable. Click here for Rate information.

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Home Improvement Loans

WCB can help you finance your home improvements in many different ways including second mortgages, equity lines of credit, or construction financing. Please contact one of our Mortgage Professionals to determine which program best meets your financing needs.

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First –Time Home Buyer Program

WCB is committed to helping first-time buyers reach their home ownership goals. Our flexible first-time home buyer products can be tailored to your borrowing needs and do not include any application fees or bank attorney’s fees.

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Home Equity Loans and Lines of Credit

WCB can assist in putting your hard-earned equity to work for you with a competitively priced Home Equity Loan or a Home Equity Line of Credit. Get the amount you need now with a Home Equity Loan or you decide how much and when to borrow by accessing your Equity Line of Credit funds by writing a check. Contact one of our Mortgage Professionals to help you determine which Home Equity product best meets your needs.

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