Mortage 2


Whether you’re purchasing your first home, refinancing the one you’re in, or looking to upgrade or downsize, we are ready to help. With competitive rates and guidance from experienced loan officers, we’ll make your dreams of homeowners a reality.

Buying or Refinancing

Fixed Rate Mortgages

Lock in a guarantee low fixed rate for a fixed term of your choice. Plus, earn $350 off your mortgage closing costs when you open a Perks Checking Account.* Or, earn $1,500 off your jumbo mortgage closing costs.**

Adjustable Rate Mortgages

If you need extra borrowing power or are looking to save money in the early years of your loan, we offer a range of adjustable-rate mortgages.

Relationships Built to Last

For more information about accounts and services, find a branch nearest youuse our Contact Form, or call us at (413) 592-9495.

To open an account or apply for a loan with PNCU, you must become a member. Membership is attained by opening a deposit account and is open to individuals of all nationalities who live, work or attend school in Hampden, Hampshire, Franklin and Berkshire Counties in the state of Massachusetts and Hartford, Litchfield and Tolland Counties in the state of Connecticut. Subject to credit approval. Other restrictions may apply. Applicants subject to complete underwriting based on program guidelines, not all applicants will qualify.
*$350 off the closing costs of any new purchase first mortgage or new money refinanced mortgage with Automatic Payment from a Perks Checking Account (excluded from this offer: Home Equity Loans, Home Equity Lines, First Time Home Buyer programs and refinancing of existing PNCU mortgages). Loans to be secured by owner occupied homes only. Mortgage loans secured by rental properties or second homes are not eligible for this discount. Only one discount per member. Closing cost discount will be applied as a lender credit at loan closing. To qualify for the credit, both the Perks Checking Account and the authorization for Automatic Payments must also be arranged prior to closing. It is the responsibility of the borrower to notify the lending department prior to the scheduled closing that these requirements have been met. No discount will be given after the loan has been closed. Other restrictions may apply. This offer cannot be combined with any other offer or promotion and can be changed without prior notice.
**$1,500 off the closing costs of any new home purchase  mortgage loan or new money refinanced  mortgage loan with Automatic Payments from a PNCU Checking Account (The following loan programs do not qualify for this offer: refinance of existing PNCU mortgages, home equity  loans and home equity lines). This special is for first mortgage applications with loan amounts of $548,251 up to $750,000 . Closing cost discount will be applied as a lender credit at loan closing. To qualify for any discount, a PNCU Perks Checking account must be opened prior to losing. All loan applications are subject to underwriting guidelines and collateral approval. Other restrictions may apply.This offer cannot be combined with any other offer or promotion and is applicable to owner-occupied properties only. This offer can change without prior notice
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IMPORTANT NOTICE: We will be closed Thursday, November 25th for Thanksgiving. Wishing everyone a happy holiday.