Mortgage Products

Pre-Approval

Before you begin looking for a home, let the Mortgage Specialists at Cape Cod Cooperative Bank help you determine how much you can afford. The Specialists will also pre-approve you for a mortgage, which can make the house-hunting experience less stressful.

Adjustable-Rate Mortgages(ARMs)

With an adjustable-rate mortgage from Cape Cod Cooperative Bank, One-, 3-, 5-, and 7-year programs are offered with features that include periodic and lifetime rate caps.  Finance up to 90% with no Private Mortgage Insurance.

Fixed-Rate Mortgages

Whether you’re buying a new home or refinancing an existing one, Cape Cod Cooperative Bank offers a wide range of fixed-rate loans. The main advantage of a fixed-rate mortgage is that the rate is guaranteed for the life of the loan, meaning your mortgage payment always remains the same. Choose from a variety of terms.

Affordable Housing

Cape Cod Cooperative Bank offers a number of loans for low- to moderate-income borrowers who may not qualify for conventional mortgage products.

First-Time Home Buyer

If you have always dreamed of owning your own home, let Cape Cod Cooperative Bank help you realize your goal. We offer special programs for first-time home buyers that offer lower down payment options, reduced closing costs, discounted interest rates, higher qualifying ratios, and more flexible underwriting standards. Talk to a Mortgage Specialist today.

Fixed Rate Construction Loan

Adjustable Rate Construction Loan

You can use this adjustable-rate mortgage to finance construction of a first or second home. This loan converts to a permanent mortgage after the building period is completed, meaning you will only have one closing.

Land Loan

Interested in purchasing a lot for future construction? Consider a Cape Cod Cooperative Bank land loan. Contact a Mortgage Specialist for more details.

Jumbo Loan

Cape Cod Cooperative Bank offers adjustable- or fixed-rate mortgage loans exceeding $417,000. Contact a Mortgage Specialist for more information.

Combo Loan

Unique to Cape Cod Cooperative Bank, the combo loan offers a fixed- or adjustable-rate mortgage on a primary or secondary home, along with a home equity line of credit at no additional cost.

Additional Mortgage Products

Contact a Mortgage Specialist for more details about our other mortgage products.