Mortgages & Home Loans

Explore Home Loan & First Mortgage Options with PCT Federal Credit Union

At PCT Federal Credit Union, we understand that your home is more than just a place to live – it's a significant investment in your future. That's why we're excited to offer Home and Mortgage Loans designed to help you achieve your Massachusetts homeownership dreams in Massachusetts.

Whether you're a first-time home buyer or you’re looking to refinance your current mortgage, here's why you should choose PCTFCU as your local mortgage lender and what you can expect from our First Mortgage Program:

Why Choose PCT Federal Credit Union for Your Next Home Loan?

  1. Community Commitment: We're a local institution deeply rooted in our community. When you choose PCTFCU, you're choosing a partner who understands the unique needs of our neighbors.

  2. Competitive Mortgage Rates: Our goal is to make homeownership affordable. With competitive interest rates on Home Loans, you can secure your dream home without breaking the bank.

  3. Personalized Service: Your financial journey is unique, and we treat it as such. Our team of dedicated mortgage specialists will work closely with you to customize a mortgage solution that fits your individual needs and financial situation.

  4. Flexible Terms: Choose from a range of mortgage terms to find the one that best suits your budget and long-term goals.

  5. Local Decision-Making: Tired of waiting for decisions from distant corporations? We make mortgage decisions locally, ensuring a swift, personalized response to your application.

  6. Low Closing Costs: We're committed to keeping upfront costs low, making homeownership more accessible to you.

Benefits of Mortgage & Home Loans with PCT Federal Credit Union

  • Stability: Enjoy stable, predictable payments with our Fixed-Rate Mortgage & Home Loans, making budgeting easier.

  • Lower Initial Rates: Our Adjustable-Rate Mortgages (ARMs) offer lower initial rates that adjust periodically, perfect for those planning to move or upgrade in the future.

  • Refinancing: Already own a home? Our refinancing options can help you reduce monthly payments, lower your interest rate, or access home equity.

A Seamless Mortgage Loan Process

  1. Pre-Qualification: Start with a pre-qualification to determine your budget and the right mortgage option for you.

  2. Application: Complete your application online or visit one of our local branches in person.

  3. Documentation: Provide necessary documents, including income verification and credit history.

  4. Approval: We'll swiftly review your application, thanks to our local decision-making, providing a prompt response.

  5. Closing: Once approved, we'll work with you to schedule the closing date, making your homeownership journey seamless.

Member Support Every Step of the Way

At PCTFCU, we're more than just a credit union; we're your financial partner. Our dedicated team is here to assist you with any questions or concerns you may have throughout the Mortgage & Home Loan process. We're committed to providing you with the support you need to make the best decisions for your future.

Ready to Begin Your Homeownership Journey in Plymouth County?

Your dream home is just a click or call away. Contact us today to discuss your Mortgage & Home Loan options and begin the exciting path to homeownership.

Let PCT Federal Credit Union be your guide to homeownership, where dreams become reality. We can't wait to be a part of your home-buying journey!