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.

Apply Now


Before you begin your home search let one of our Mortgage Specialists 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.

Adjustable-Rate Mortgages (ARMs)

WCB specializes in adjustable rate mortgage financing with three or five year programs that include features such as periodic and lifetime rate caps. These programs generally offer affordable alternatives to conventional fixed-rate loan products. Rates are subject to change on a periodic basis based on the program that is selected to best suit your borrowing needs. Our flexible product offering can include Jumbo Loan financing or bi-weekly payment plans. Please contact one of our Mortgage Specialists to find the financing solution that will help to make your home affordable.

Fixed Rate Mortgages

WCB offers fixed rate first mortgages with various terms. The primary advantage of a fixed rate mortgage is that the rate and monthly payment remain the same over the life of the loan.

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 Specialists to determine which program best meets your financing needs.

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.

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 Specialists to help you determine which Home Equity product best meets your needs.


Credit Reporting

Winchester Co-operative Bank recently began reporting payment activity to three of the major national credit reporting agencies: Equifax, Experian and TransUnion. The Bank’s initial report to the agencies included a twenty-four (24) month history of payments, and will include mortgages, home equity lines of credit, automobile and consumer loans held in the Bank’s portfolio. Please see this document for additional information about credit scores in general and if you still have questions, please give us a call at 781-729-3620 or click on the “contact us” link on the this page.

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. WCB's Mortgage Loan Officers are members of the Nationwide Mortgage Licensing System & Registry.