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 Residential Lending Department achieved a 95% Customer Satisfaction Rating for all of 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 or 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 within 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

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 & check out her video here

Michael Boisvert 
Mortgage Originator
Plymouth County Area
(508) 717-6017
NMLS# 586721
Email Michael


Rica DeMoranville
Mortgage Originator
Greater Fall River Area
(508) 990-4295
NMLS# 1773100
Email Rica


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



Testimonial quotes for various types of home loans

Interested in MassSave?  Click here for more information or visit your local branch to apply. 

*Loans are subject to approval