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Residential Mortgages

With expert mortgage lenders at every branch office, local loan servicing, and the ability to apply online or
in-person, Westfield Bank offers a better way to buy, build, or refinance. At Westfield Bank, we'll be with you every step of the way to ensure a fast, easy, and stress-free experience. Welcome home!

Military & First Responders

Military & First Responders

We're giving Active Duty Military, Veterans, and First Responders $500 off closing costs¹.

We appreciate the service and sacrifice of our region’s uniformed service professionals. That’s why we’re extending a $500 lender credit¹ toward mortgage closing costs. Ask us how we can help you get a great rate and save money on closing costs!

Contact a Mortgage Loan Officer

Cut Closing Costs

Cut Closing Costs

Now through June 21, 2024, we will cover the cost of your Appraisal and Credit Report.²

And right now, you can combine this offer with either our $500 lender credit for first-time homebuyers or our $500 lender credit to first responders.

Apply Now >

First Time Homebuyers

First Time Homebuyers

We are giving first-time homebuyers $500 off closing costs1.

Featuring low down payments and special financing terms, our First-Time Homebuyer Programs are designed to make purchasing your first home simpler and more affordable. Receive $500 lender credit1 toward closing costs on any approved home loan when you apply online or in person with Westfield Bank.

Contact a Mortgage Loan Officer

Subject to underwriting and loan approval. Property must be located in Massachusetts or Connecticut. Refinances of current Westfield Bank loans are not eligible. Offers may be rescinded at any time.

¹Borrower will receive a $500 lender credit toward closing costs at closing. May be combined with other offers. ²Borrower will receive a lender credit at closing that is equal to the total cost of the Appraisal Fee and Credit Report fee. Property must be an owner-occupied single-family, 2-4 family or condominium home located in Massachusetts or Connecticut. Available for purchases and construction only; refinances of current loans are not eligible. May be combined with one other offer if applicable, either First Time Homebuyer or First Responder; see us for details.

Westfield Bank is proud to be a partner of the MassHousing Program, providing affordable housing throughout all of Massachusetts. Contact a Mortgage Loan Officer today to see if you qualify or to learn more information.

Thinking about buying a home? Take advantage of our Lock & Shop program! 

Once you’ve been preapproved, you’ll receive an acceptance letter that guarantees your interest rate for 30 days so you can shop with confidence. Get started today! Click here to apply online, or call any of our helpful Mortgage Loan Officers.

Additional Mortgage Products

With fixed rates and terms, Fixed-Rate Mortgages offer the peace of mind of a fixed monthly payment for the life of the loan. Fixed-Rate Mortgages can be used for primary or secondary residences.

Designed to provide buyers with lower monthly payments, Adjustable Rate Mortgages have interest rates that are fixed for an initial term and then adjusted periodically thereafter. Available for primary or secondary residences, we offer a variety of adjustable rate terms.

Construction Loans

Building a home is a complex process. We work with you every step of the way to make your construction financing experience as stress-free as possible—from start to finishing nails.

  • One qualification and one closing
  • Interest-only payments during 12-month construction period
  • Fixed-rate or adjustable rate mortgage options

Land Loans

Found the perfect spot to build your new home? With a Land Loan from Westfield Bank, you can finance the purchase of land to build on. Maximum loan-to-value (LTV) is 80% with interest-only payments for three years.

Looking to purchase residential property as an investment? Our Investment Loans are a great way to finance non-owner occupied residential properties.

Residential Lending Team

Kristin Gravanis Kristin Gravanis AVP, Mortgage Loan Officer NMLS# 40053 | NMLS# 40053 (413) 537-9566 206 Park Street West Springfield, MA Learn more
Matt Manganelli Matt Manganelli VP/Retail Lending Sales Manager NMLS# 5090 | NMLS# 5090 (413) 564-2659 141 Elm Street Westfield, MA Learn more
Michele Welch Michele Welch VP, Mortgage Loan Officer | NMLS# 293220 413-626-5626 47 Palomba Drive Enfield, CT Learn more
Jeannie Boudreau Jeannie Boudreau Mortgage Loan Officer | NMLS# 441852 413-237-1820 560 East Main St Westfield, MA Learn more

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