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.

  • 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


Visit Our Mortgage Center


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


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 


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. 

Apply for a loan or mortgage online or by phone at 800-642-7515.

Check Out Our Mortgage Rates



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
Cape Cod & the Islands
(508) 790-8588
NMLS# 417221
Email Eleanor


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


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


James Snyder
Senior Mortgage Originator
Southeastern Cape Cod
(508) 990-4295 
NMLS# 423221
Email James


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

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