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First-Time Homebuyer Program

Kickstart your homeownership adventure with a program that's loaded with perks. As a first-time homebuyer, you have access to a variety of benefits that make finding and purchasing your first home that much more rewarding.

There is plenty you can do right now to make your home-owning dreams a reality. Join us on May 11 & 18, 2019 for a "Steps to Homeownership Course" to learn more! Upon completion the course, you will receive the certificate required for loan programs offered by MassHousing and other agencies! Learn more and register today!

  • Great rates
  • Flexible qualifying guidelines
  • Reduced closing costs
  • Free pre-qualification
  • Free pre-approval
  • Easy to apply online!

It will be necessary for you to gather some additional documentation to submit with the loan application. Those documents include:

  1. Prior two years' W-2 forms
  2. Current paystubs (covering the most recent 30 day period)
  3. Copies of bank statements for the most recent three (3) months
  4. If you are self-employed, please provide copies of your most recent two years' Federal Tax Returns (Three years Federal Tax Returns may also be required of all applicants to confirm your status as a first-time homeowner.)

For additional information or assistance, contact a Mortgage Specialist.

If you're interested in learning more about our First-Time Homebuyer Program and how we can be of service to you, please reach out to one of our mortgage specialists.

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"Yesterday would have been my 1 year anniversary of my refinance with Melrose bank... I am thankful every day to be in my house and you and everyone else who worked with me were so helpful and kind during an exceptionally difficult time. I deeply appreciate all your help - it has truly meant so much!"


Discover everything we can offer.