Whether you're making your first home purchase, relocating or refinancing an existing mortgage to lower your rate, Franklin First's dedicated mortgage team is here to help you make the right financing decision.

And now we're able to provide you with an online loan application and approval 24 hours, 7 days a week! MortgageClick will walk you through the loan application process in just 10 simple questions and 25 mouse clicks.


Choose - Let MortgageClick help you find a program that is right for you. We'll walk you through the process, provide you with loan options and research our rates for the program that best meets your needs.


Apply - Log on anytime, day or night, complete 10 simple questions and have a loan answer all within 15 minutes. And the best part...once you have submitted your application you may view the status of your loan application all the way through the process.


Learn - If you're not quite ready to apply, MortgageClick is still the place to go to learn all about the mortgage process, first time home buyers programs, purchasing or refinancing.


More - To learn more about Franklin First and MortgageClick, click on More. This will provide details about us, our privacy policy, mortgage loan calculators, insurance information and property information.

If applying online does not appeal to you, you have nothing to worry about. We still have the same dedicated mortgage team ready and waiting to answer any of your questions and walk you through the entire process in person.


For more information call us at 774-6700.


NMLS ID# 412497





Franklin First Credit Union is proud to offer our members Government Insured Mortgage Programs - Govenment Insured Loans, VA*, Rural Housing, and Reverse Mortgages. There are several options for members looking to purchase or refinance and receive cash out. 96.5% and 100% financing available.


Not a member? If you live, work, go to school or worship in Franklin County, or if you are related to someone who is already a member of Franklin First, you are welcome to join us!

Govenment Insured Loans/Rehab Loans
Purchases or Refinances available for members with lower Fico scores and higher LTV's. Solid fixed rate loans. Also loan rehabilitation on new or current homes.

VA* Mortgages
30 Year Fixed Rates - 100% Financing - No PMI - Available on purchases and 90% LTV cash out.

Reverse Mortgages
A valuable financial tool for seniors 62 and older. This mortgage option gives them the opportunity to increase their monthly cash flow so they may live their life to the fullest.


For non-government loan rates

please call our mortgage specialist at 413 .774.6700




Mortgage products offered in partnership with Allanach Mortgage Group.

Broker's licenses MA# MB6033, NH# 5616, CT# 7160, RI# 20051935LB

* VA – Veterans Administration




Use the equity you have built up in your home for just about anything! Build an addition, pay for tuition, purchase a vehicle, take a vacation, even consolidate debt. With Franklin First's low rates, now is the time to take advantage of Franklin First’s Home Equity Loan. Lowest rates in the area. World-wide access. No closing costs. It all adds up. Apply today!

NMLS ID# 412497





Have access to cash when YOU need it!

A Franklin First Federal Credit Union Home Equity Line of Credit allows for a convenient and flexible way to live
your life. You could:

● Build an addition to your home
● Take a vacation
● Build a deck, put in a pool
● Pay off your car loan

Or, for anything you’ve wanted to do, but haven’t had the funds available.


Max term is 5 year draw period with 15 year amortized payment term. Plus, if your initial draw is over $25,000, we’ll waive the closing costs. Access the funds anytime you need them.


NMLS ID# 412497