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.

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.

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 Savings are
Springing Up!

Cut your closing costs when you're shopping for a home this spring. Now through June 21, 2024, Westfield Bank will cover the cost of your Appraisal and Credit Report.*

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. Spring is truly a time of possibilities!

Apply In Person Today >

*Borrower will receive a lender credit at closing that is equal to the total cost of the Appraisal Fee and Credit Report fee. Subject to underwriting and loan approval. 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. Offer may be rescinded at any time.

Military & First Responders

Military & First Responders

Active Duty Military, Veterans, and First Responders make our communities better.

So, we're giving you $500 off closing costs¹ 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 service people to police officers, firefighters, and EMTs. That’s why we’re extending a $500 lender credit¹ toward mortgage closing costs. Be sure to ask us how we can help you get a great rate and save money on closing costs!

Contact a Mortgage Loan Officer

House Hunting?

House Hunting?

Get prequalified and boost your buying power.

If you're on the hunt for a new home, getting prequalified from Westfield Bank is a smart first step. We'll help you estimate what you can afford, and provide a prequalification letter to make your offer more attractive. Do better with your search for a dream home. Get prequalified and get going!


Once you’ve been prequalified, take advantage of our Lock & Shop program! When you've been approved, you’ll receive an acceptance letter that guarantees your interest rate for 30 days so you can shop with confidence.

Get Prequalified Today >

First Time Homebuyers

First Time Homebuyers

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 costs². 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 credit² toward closing costs on any approved home loan when you apply with Westfield Bank.

Contact a Mortgage Loan Officer

¹Borrower 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.

²Borrower 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.

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

What our customers are saying...