Personal

Mortgage Lending

Whether you’re buying your first home, refinancing one you own, or purchasing a second home, we have the experience, flexibility, and rates you need to buy (or refinance) your way.

Buying

Homes are not one size fits all, neither should your mortgage. At Winchester Co-operative Bank (WCB), we offer a full range of fixed- and adjustable-rate mortgages to meet your homebuying goals and budget.

Pre-Approvals

A pre-approval can provide a significant advantage in a competitive market by letting sellers know you’re a serious and qualified buyer.

First-Time Homebuyer Programs

We offer special loan programs designed to help First-Time Homebuyers open the door to homeownership with reduced closing costs or downpayment assistance. Click here to learn more about programs for First-Time Homebuyers.

Refinancing

If you want to lower your monthly payments, take cash out, consolidate debt or shorten the term of your loan, refinancing might make sense for you. We make it easy.

Building a Home

Planning to build a home? With our Construction-to-Permanent Loans, you can purchase the lot, pay building costs, and get your permanent financing in one loan, saving you time and money.

Already have a location in mind, but not quite ready to build? We offer Land Loans to help you secure the property.

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