At PNCU, you’ll find competitive rates, attractive terms, excellent personal service, and a variety of fixed and flexible mortgage programs. Whether you are buying your first home, next home or refinancing the home you’re in – we have the mortgage that’s right for you.


Meet Our Lending Experts

Pamela Patenaude
Mortgage Originator
413-592-9495 Ext. 1143

Mary Hurley
Mortgage Originator
NMLS# 691018
413-592-9495 Ext. 1132




Fixed Rate Mortgages

The traditional and most popular form of home loan for owner-occupied homes, a Fixed Rate Mortgage allows you to lock in a rate for the life of the loan.

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Adjustable Rate Mortgages

For home buyers who want to a little extra borrowing power, or to save money during the early years of the loan, an Adjustable Rate Mortgage may be the right vehicle. Also a good choice for buyers planning to move or refinance in a few years.

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Land Loans

If your purchasing land to build a primary residence or second home, our Land Loan may help you finance the land purchase.

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MassHousing Mortgages

The MassHousing Mortgages offer competitive interest rates with low downpayment options. This affordable loan from the state’s affordable housing bank is just right for firsttime homebuyers as well as those looking to move up or refinance. With its flexible underwriting and fixed rate financing, it’s the perfect mortgage loan for lowand moderate income households*.

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* Subject to credit approval. Other restrictions may apply. Applicants are subject to complete underwriting based on program guidelines, not all applicants will qualify.