First Citizens’ can make it easy for you to take advantage of the benefits of home ownership. You will find a wide variety of products, one of which is sure to meet your needs and your budget. Whether you are purchasing, refinancing or taking a loan against your equity, our knowledgeable mortgage originators are always available to answer questions and help you through the application process. We are excited to share that our lenders were ranked a 95% for Mortgage Customer Satisfaction in 2017!

  • Fixed & Adjustable Rates
  • First-Time Home Buyer Programs (with possible down payment assistance)
  • 100% Financing Loans (Mortgage and Equity products)
  • Home Improvement Loan (133% CLTV)
  • Solar Loan Program
  • Fixed Home Equity Loan
  • Home Equity Loans & Lines of Credit
  • Construction Loans/Permanent and Turn Key Loans
  • Massachusetts Housing Finance (MHFA) Agency Loans
  • Mortgage Discount Program for Hero, Champion and First@Work Checking Account Holders

Check our Mortgage Rates

*Loans are subject to approval



Have you had a bankruptcy? Foreclosure of short sale? Battling a low credit score?

First Citizens' Fresh Start Loan can offer you a new beginning while re-establishing your credit!

Who qualifies? 

  • Members with bankruptcy withing the past 12 months
  • Members with previous delinquencies
  • Members with limited credit

Contact one of our Lenders and ask if you qualify for a Fresh Start Loan!

*Loans are subject to approval


Solar Loans

We proudly offer affordable solar loans for owner occupied and second home properties with income based loan support. Start reaping the benefits of owning your own solar equipment!

For additional details, see our flyer

*Loans are subject to approval


MassSave Loan Program

First Citizens’ Federal Credit Union is proud to have partnered with Mass Save ® . Once you have had a home energy assessment, the Mass Save ® HEAT Loan program (also known as the Mass Save Home Energy Services Program) is available to qualified Massachusetts homeowners of both owner occupied and non-owner occupied 1-4 family homes. This program assists with the cost of installing qualified energy-efficient improvements.

Click here for more information

*Loans are subject to approval


Prequalify for your Mortgage!

Before you begin house hunting, take the first step. Figure out how much you can afford to spend by prequalifying for your mortgage. Prequalification is a no cost, no obligation exercise that will answer your questions about the financial responsibilities of purchasing a home before you actually apply for a loan. Ask us about a STEP ONE application today.

Call your community Mortgage Lender below or by phone at 800-642-7515.


Mortgage Lending Team

Pat Neenan
VP Mortgage Sales
Residential Lending
(774) 628-7859
NMLS# 1171754
Email Patrick


Chris Wypasek
Mortgage Originator
Raynham & Surrounding Communities
(774) 628-7832
NMLS# 752584
Email Chris


Lisa Faria
Senior Mortgage Originator
New Bedford & Surrounding Communities
(508) 961-7006
NMLS# 417227
Email Lisa


Eleanor Weller
Senior Mortgage Originator
Mid Cape to Upper Cape & the Islands
(508) 790-8588
NMLS# 417221
Email Eleanor


Tad Morse
Mortgage Originator
(774) 628-7863
NMLS# 591148
Email Tad


Giselle Crowell
Mortgage Originator
Plymouth County Area
(508) 990-4289
NMLS# 591489
Email Giselle

*Electronic mail is not secure, and confidential or personal information should not be communicated in this manner.


Testimonials

Testimonial quotes for various types of home loans


Did you know we offer home insurance through First Citizens’ Insurance Agency? Make it easy and have everything all in one place.