Mortgages

Mortgages

Buying a home is one of the biggest decisions you can make.  Whether you’re in the market for your first home, trading up to a new one, or getting ready to downsize, we have a mortgage to match. 

Fixed Rate Mortgages

  • Various terms available 
  • No Points/No Closing Costs options available 
  • Easy to budget with predictable monthly payments 
  • Consider a fixed rate mortgage when: 
    • You don’t plan to move for a number of years. 
    • You don’t want to worry about rising interest rates. 
    • You expect your income to remain stable. 

Mortgage Loan Programs

We have many loan programs to help make that dream home affordable. 

  • MassHousing Mortgage Program 
  • Massachusetts Housing Partnership ONE Mortgage 
  • New Hampshire Housing Loan program 
  • FHA Loan Program 
  • VA Loan Program

MassHousing Mortgage

MassHousing loans with options to fit your needs.  With a MassHousing Mortgage you’ll get:
 
  • Affordable interest rates, fixed for the life of the loan
  • Long-term repayment for the purchase or refinance of your home
  • No hidden fees or other surprises
  • Downpayment and/or closing cost assistance option
  • Purchase or refinance with a renovation option

Home Start CD

  • For first-time home buyers
  • A better way to save for a downpayment
  • Higher interest rate than a traditional savings account
  • 2 year term available
  • Make additional deposits throughout the term
  • Ability to withdraw interest credited without penalty**
  • Funds insured by NCUA and MSIC

Get Started with a Purchase Plan

If you’re thinking about buying a home, now or down the road, speak with us first. We’ll look at your unique situation and build a customized plan. Our Mortgage Originators will guide you through the steps you need to take in order to be ready to purchase.

Align’s First Time Homebuyer Program

Buying your first home is a big milestone. While the process can be daunting, it doesn’t have to be. Our business may be mortgages, but our goal is to help you every step of the way. Eligible participants can also receive $1,000 off closing costs.*
The Benefits of Membership

The Benefits of Membership

Align is a full service credit union. We can do everything the big banks can, while delivering an experience perfectly tailored to you and your needs. Membership has great benefits!
Convenient Access to Your Accounts

Convenient Access to Your Accounts

With Align’s eServices, you can access your accounts anytime, anywhere, and on any device. Between online banking and our mobile apps, you can take control of your money on your own terms.
* To be eligible for $1,000 off Align Closing Costs, you must have direct deposit and auto payment from an Align checking or savings prior to loan closing. Offer available for first time buyers with a minimum mortgage amount of $150,000. Not available on no closing cost loans. Cannot be combined with any other offers. Subject to credit approval. Limited time offer.
***Annual Percentage Yield (APY) effective as of 3/1/2019. Penalty for early withdrawal of principal unless used as a down payment towards the purchase of a first home with an Align Credit Union mortgage. $500 minimum to earn APY.