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Mortgage Program

Low rates, outstanding service and savings

Buying a home can seem like a daunting task. Choosing the town you’d like to buy in, figuring out how much house you can afford, obtaining a Priority Borrower Letter and deciding what type of loan you’d like are just a few of the aspects of procuring a mortgage. And, if you’re a first-time homebuyer, terms like “escrow”, “lock-in period” and “appraisal”, if not familiar to you, can make the entire process even more overwhelming. The mortgage professionals at Berkshire Bank are here for you to ensure everything goes smoothly – and to help save you money.

Specially-designed mortgage products for MTA members

Berkshire Bank offers specially-designed mortgage products for MTA members and their family members. Select from a wide range of financing options – everything from first-time homebuyers programs to reverse mortgages. Berkshire provides members with exceptional rates, low closing costs and “Raving Fan” customer service. Here’s how the MTA program can save you money and make the process easier:

  • Reduced monthly payments through low-interest-rate programs
  • A wide range of programs, including low down payment options for first-time home buyers
  • FREE Priority Homebuyer Qualification
  • FREE home-buying seminars offered in your local school or online in the comfort of your home
  • Free flood certification
  • Reduced appraisal fees
  • Capped attorney fees

Members take advantage of savings and opportunities 

More than 6,000 MTA members have received exclusive savings and competitive mortgage rates through the mortgage program. Many of these are first-time homebuyers who are realizing the American dream of owning their own home. Read about some of these members’ experiences.

Now is the time – while rates are still low – to buy a home or refinance. Berkshire offers a variety of fixed and adjustable rate mortgages for members with different credit histories and income levels.

To learn more about the MTA Mortgage Program, contact Paul Gershkowitz at 866.475.4663 or

Begin the application process

Homebuyer seminars for local associations

Local presidents! Schedule a first-time homebuyer seminar for your members. These are very informative sessions, especially for new members, and are very easy to arrange. Topics cover everything from 100% financing to MassHousing products and services. Seminars are designed to fit your schedule, whether it’s 10 minutes or two hours on your meeting agenda. MTA member feedback on these seminars has been extremely positive. Call 866.475.HOME (4663) for an appointment.

Article series

The following series of articles are designed to help you understand the complexities of the mortgage process. You will also discover how you can save money and enjoy extraordinary service when you finance your home through MTA Benefits-endorsed Berkshire Bank.

The truth about the appraisal process

How new mortgage standards affect you

First-time homebuyer article series

Start early to meet stricter lending standards - Article 1 of 3

Making the right decisions before you buy a home - Article 2 of 3

Preparing for the offer-to-closing process - Article 3 of 3

Mortgage Products are provided by Berkshire Bank: Member FDIC. Equal Housing Lender. Berkshire Bank is a Massachusetts chartered bank. NMLS Registry Number – 506896.

This is not a qualification nor a commitment to lend. All loans subject to credit approval. Berkshire Bank has a financial relationship with MTAB to offer products and services to MTA members and their families.

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