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.


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.


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.


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.

We're here to help.

You are now leaving Winchester Co-operative Bank

Winchester Co-operative Bank provides links to web sites of other organizations in order to provide visitors with certain information. A link does not constitute an endorsement of content, viewpoint, policies, products or services of that web site. Once you link to another web site not maintained by Winchester Co-operative Bank, you are subject to the terms and conditions of that web site, including but not limited to its privacy policy.

You will be redirected to

Click the link above to continue or CANCEL

Don`t copy text!