*Annual percentage rates (APR) valid for as low as a 5 year term. Other rates and terms available. Rate valid as of 4/1/2017 and is subject to change. All loans subject to credit approval. Some restrictions may apply. May not be used to pay off existing FFFCU loans. NMLS#413497


Please contact the credit union at 413-774-6700 for more information.





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