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First-time Homebuyer Program

MountainOne’s $650 First-Time Homebuyer Credit*

Are you a first-time homebuyer? Have we got a deal for you!

MountainOne Bank is pleased to offer a $650.00 credit to first-time homebuyer applicants who have completed an eligible first-time homebuyer education course.

Upon verification of your first-time homebuyer status and the completion of an eligible homebuyer education course, your closing cost credit of $650.00 will be granted at your loan closing.

Talk to a MountainOne Mortgage Guide to learn more!

First-Time Homebuyer Loan Program

At MountainOne, we are pleased to offer a variety of First-Time Homebuyer products, each offering a unique set of benefits to assist first-time homebuyers through the mortgage process. Below are examples of benefits that may be available to eligible borrowers through the programs offered:

  • 0% and 3% down payment options
  • Down payment gifts may be accepted
  • Down payment assistance programs
  • Zero closing costs
  • Low fixed interest rates
  • No Mortgage Insurance (MI)
  • Lender Paid Mortgage Insurance (LPMI)
  • Financing for single or multi-family purchases
  • Financing for purchasing a home in designated rural areas
  • Programs for repeat buyers

First-Time Homebuyer Mortgage products are provided through Fannie Mae, Freddie Mac, Massachusetts Housing Partnership, Federal Housing Administration (FHA), and Veterans Administration (VA).

Meet Our Loan Officers

We are here in your community, whenever you want to pick up the phone or stop by. We are eager to answer your questions, help you choose the best loan for your situation, and offer lending advice.

Craig Ames

Craig Ames

Senior Mortgage Originator

Scituate, MA

NMLS Registration #654776

Paul Ames

Paul Ames

Senior Mortgage Originator

Quincy, MA

NMLS Registration #319661

Jay Bianchi

Assistant Vice President, Community Mortgage Lending Specialist

Pittsfield, MA

NMLS Registration #655366

Mary O'Connell

Mary O’Connell

Senior Mortgage Originator

Berkshire County

NMLS Registration #142387

Clint Sager

Clint Sager

Senior Mortgage Originator

Quincy, MA

NMLS Registration #1690076

All loans subject to credit approval.
*Borrowers must complete eligible homebuyer education course and be a first-time homebuyer to qualify for the $650 First-Time Homebuyer Credit. Credit applied at closing. Terms and conditions apply.

SCHEDULED MAINTENANCE: Digital Banking may be unavailable on Sunday, June 16, between 12:00am–4:00am for routine system maintenance. Please submit any transactions before or after this timeframe. Thank you!

HOLIDAY NOTICE: In observance of Juneteenth National Independence Day, all MountainOne offices will be closed Wednesday, June 19. As always, our Digital Banking services are available 24 hours a day.