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.
Thinking about buying a home? Take advantage of our Lock & Shop program! Once you’ve been prequalified, 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 shown below.
Special programs for veterans, first responders and first-time homebuyers. Be sure to ask us how we can help you get a great rate and save money on closing costs!
At Westfield Bank, we'll be with you every step of the way to ensure a fast, easy, and stress-free experience. Welcome home!
Mortgage Products
Fixed-Rate Mortgages
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.
View Current Rates & Apply Online >
Contact Our Residential Lending Team >
Adjustable Rate Mortgages
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.
View Current Rates & Apply Online >
Contact Our Residential Lending Team >
First-Time Homebuyers Programs
Shopping for your first home? Westfield Bank gives you the flexibility to apply for a home loan online, in person, or both. That’s good. Right now, we’re also giving first-time homebuyers $500 off closing costs. That’s better!
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. For a limited time, we’re making that first home purchase easier by extending a $500 lender credit toward closing costs on any approved home loan when you apply with Westfield Bank.
View Current Rates & Apply Online >
Contact Our Residential Lending Team >
*Borrower will receive a $500 lender credit toward closing costs at closing. Subject to underwriting and loan approval. Property must be located in Massachusetts or Connecticut. Refinances of current Westfield Bank loans are not eligible. May be combined with other offers. Offer may be rescinded at any time.
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.
View Current Rates & Apply Online >
Contact Our Residential Lending Team >
Investment Loans
Looking to purchase residential property as an investment? Our Investment Loans are a great way to finance non-owner occupied residential properties.
View Current Rates & Apply Online >
Contact Our Residential Lending Team >
Active Duty Military, Veterans, and First Responders
Active military, veterans, and first responders, you make our communities better. So, we’re giving you $500 off closing costs to make your mortgage experience better.
Westfield Bank appreciates the service and sacrifice of our region’s uniformed service professionals, from active and retired military servicepeople to police officers, firefighters, and EMTs. That’s why we’re extending a $500 lender credit toward mortgage closing costs.
View Current Rates & Apply Online >
Contact Our Residential Lending Team >
*Borrower will receive a $500 lender credit toward closing costs at closing. Subject to underwriting and loan approval. Property must be located in Massachusetts or Connecticut. Refinances of current Westfield Bank loans are not eligible. Offer may be rescinded at any time.
