First-Time Home Buyer Program

Discover a first-time home buyer program that is right for you. Your personal, dedicated Needham Bank expert is here to guide you on your journey home.

Benefits & Features

Already applied for a mortgage?

Apply for a First-Time Home Buyer Loan

Buying your first home should be exciting, not stressful. Let us make it as easy as possible:

Frequently Asked Questions

A first-time home buyer loan is your ticket to your dream home! This type of mortgage has terms and benefits designed to help you reach the milestone of buying your first home with as little stress as possible.

If you’re new to home-buying, voila! You’re a first-time home buyer. You’re also considered a first-time home buyer again if you haven’t owned a home in the last three years. Specific requirements can vary, so get in touch with us to learn more.

Some factors that can help you get approved for a home loan as a first-time buyer include your credit score, income, the size of your down payment, and more. Let us know if you have questions or concerns — over 130 years of experience have made us pretty good at opening the door for new neighbors!

Your perfect mortgage match is out there! We’ll help you explore your options to find a first-time home buyer program with a competitive rate that will help you pursue this milestone no matter your financial situation.

Resources

Should You Rent or Buy a Home?

Let Needham Bank help you decide whether to buy or rent your next home in MA. We can help you determine if you are ready to acquire a home loan and more.
Before shopping for a home understand how much you can afford to spend on a mortgage. Learn how to calculate your monthly payments with Needham Bank....
Boosting your credit score can increase your chances of qualifying for a home loan. Learn how to increase your score and pay done debt from Needham Bank....
If you're planning to buy a home in MA, spend time understanding your home loan options. Let Needham Bank help you decide which mortgage is right for you....

40-Year Mortgage*

Turn your dream of home ownership into reality with a 40-year mortgage that keeps your monthly payments low. When you partner with Needham Bank, owning a home has never been so easy.

Commitment to Community

We’re not just your bank. We’re your neighbors, and we’re committed to serving you with the same steadfast community values we were founded on. Let’s conquer your finances together.