Low Fixed Rates Specialists


2.375% Rate     |     2.510% APR     |     10-Year Fixed Rate*

Low fixed rates for every kind of homebuyer.

As a community bank, our commitment is to people. Offering low rates on mortgages is just one more way we make home buying a pleasure.

* Annual Percentage Rate (APR) advertised with 0 points and a first lien on a qualifying 1-4 family owner-occupied residence located in MA; maximum loan amount $548,250, loan to value ratio (LTV) of 80% or less, and a minimum credit score of 680. Rates and fees may vary based upon your credit profile, property type, and/or LTV. Account subject to credit approval. Rates current as of 11/03/2020 and are subject to change. Homeowners' (and flood if applicable) insurance is required. Repayment example: $9.31 per $1,000 borrowed for 120 months. Payments do not include amounts for taxes and insurance, the actual payment will be greater.


Great mortgages reside here.

Rates as of 11/03/2020
All rates subject to change without notice.
If applicable, Taxes and Insurance will increase Payments.
Mortgage Term Interest Rate Annual Percentage Rate (APR) Monthly Payment/$1,000 Monthly Payments
10-Year Fixed Rate 2.375% 2.510% $9.37 120
15-Year Fixed Rate 2.750% 2.845% $6.79 180
20-Year Fixed Rate 2.875% 2.949% $5.48 240
30-Year Fixed Rate 3.000% 3.093% $4.22 360
Annual Percentage Rate (APR) advertised with 0 points and a first lien on a qualifying 1-4 family owner-occupied residence located in MA; maximum loan amount $548,250, loan to value ratio (LTV) of 80% or less, and a minimum credit score of 680. Rates and fees may vary based upon your credit profile, property type, and/ LTV. Account subject to credit approval. Homeowners' (and flood if applicable) insurance is required. All Annual Percentage Rates (APRs) listed above assume a $100,000 mortgage, 20% down payment. Private Mortgage Insurance (PMI) required if the down payment is less than 20%. Biweekly payment plans are not available at this time.



Strengthen your offer. Protect your rate.
House shop with confidence.

120-day rate lock guarantee**

We’ll lock in your interest rate for 120 calendar days at no cost at the time of your pre-approval application. If interest rates decrease during this time, we will reset your rate at no cost to you.

Mortgage specialists in every branch

Our in-house mortgage originators guide the process with fast turnaround times. You’ll enjoy easy access for all your mortgage needs.

Personalized one-to-one service

Together, we’ll help you find the most beneficial and appropriate mortgage with the right combination of terms and features to meet your individual needs.

A trusted partner

Our mortgage specialists don’t work on commission, they work in your best interest. We pride ourselves in being your mortgage partner, not just another bank.


** Subject to credit approval, pre-approval with 120 day rate lock on a qualifying primary, single family, owner occupied residence located in MA only. To guarantee 120 day rate lock, a qualifying property must be identified and mortgage application submitted by the 75th calendar day from the date of the rate lock agreement. Only available on certain mortgage products. Contact for more details.

Reach out to a Mortgage Specialist in your area.

Susan Seaver NMLS#592827
Email Susan or call (413) 531-3671
Let's Get Started

Florence Mortgage Office

Elissa Langevin NMLS#476925
Email Elissa or call (413) 587-1747
Johnny Acevedo NMLS#476916
Email Johnny or call (413) 587-1781
Rebecca Albro NMLS#2102397
Email Rebecca or call (413) 587-1752

King Street (Northampton) Mortgage Office

Lee McCarthy NMLS#476930
Email Lee or call (413) 587-1820
Samantha Ribeiro NMLS#1462708
Email Samantha or call (413) 587-1822

Downtown Northampton Mortgage Office

Cindy Malinowski NMLS#476928
Email Cindy or call (413) 587-1832
Arlene Bensch NMLS#1917170
Email Arlene or call (413) 587-1830

Easthampton Mortgage Office

Anita Sedlak NMLS#476944
Email Anita or call (413) 587-1851

Williamsburg Mortgage Office

April O'Brien NMLS#476924
Email April or call (413) 587-1841
Kristine Zdaniewicz NMLS#1552419
Email Kristine or call (413) 587-1840
Let's Get Started

Amherst Mortgage Office

Jeanne Woods NMLS#1023327
Email Jeanne or call (413) 587-1870
Jeanette R Sharpe NMLS#1736382
Email Jeanette or call (413) 587-1871

Belchertown Mortgage Office

Jessica Wales NMLS#476948
Email Jessica or call (413) 587-1794

Hadley Mortgage Office

Toby Daniels NMLS#476922
Email Toby or call (413) 587-1802
Jean Monska NMLS#476940
Email Jean or call (413) 587-1800
Let's Get Started

Granby Mortgage Office

Julie Duffe NMLS#1914220
Email Julie or call (413) 587-1892
Jessica Wales NMLS#476948
Email Jessica or call (413) 587-1794
Let's Get Started

Springfield Mortgage Office

Nicole Gleason NMLS#527772
Email Nicole or call (413) 582-5430
Candice Somar NMLS#935101
Email Candice or call (413) 582-5431

West Springfield Mortgage Office

Emily Tower NMLS#938946
Email Emily or call (413) 582-5420

Chicopee Mortgage Office

Kimberly Downing NMLS#531132
Email Kimberly or call (413) 377-4990
Let's Get Started

Contact us today to get started.