
Justin Calheno
VICE PRESIDENT, RETAIL LENDING BUSINESS DEVELOPMENT OFFICER
NMLS #5549
jcalheno@countrybank.com
Direct Dial: 413-277-2370
Cell: 413-626-0395
Fax: 413-234-3243
With bundled benefits and a bank that really cares, your mortgage means more. Enjoy a $600 Closing Cost Credit*, $400 Bonus** on a Savings account and a bump rate on your Mortgage Savings Account*** when you meet qualifications.
*To get $600 Closing Cost Credit:
Apply for and close on a residential owner-occupied mortgage and have auto pay set up from a new or existing Country Bank Checking account.
**To get $400 Bonus in Savings:
Services must be maintained for three consecutive months after loan closing.
***To get higher rate on Mortgage Savings:
When it comes to buying a home, one size does not fit all. Your homeownership dream will look different than your neighbors, and that’s ok! That’s why we offer a variety of home loan options and terms to choose from.
Qualify for a $600 Closing Credit* when you apply for and close on mortgage and have auto pay set up from a new or existing Country Bank checking account.
Plan ahead for future expenses to make the transition into your new home a breeze and be prepared for the expenses of home ownership.
Be prepared and receive a $400 bonus deposit** into your savings when you open your mortgage savings account, enroll in eStatements and meet other qualifications. Plus when you meet qualifications, you’ll receive a bump to a 2.02% APY interest rate*** on your Mortgage Savings Account.
Specifications | Amount |
Minimum Opening Deposit: | $10 |
Minimum Balance to Earn APY: | $10 |
Base Interest Rate: | 0.10% |
Base Annual Percentage Yield (APY): | 0.10% |
Bump Interest Rate: | 2.00% |
Bump Annual Percentage Yield (APY): 2.02% | 2.02% |
In order to receive the Bump rate, qualifying activities must be met. Disclosures listed below.
When you’re applying for a mortgage, it’s important to have someone you trust at your side. We’re experts at walking you through the entire process, answering your questions, and cheering you on to success. It’s what we’re made to do.
VICE PRESIDENT, RETAIL LENDING BUSINESS DEVELOPMENT OFFICER
NMLS #5549
jcalheno@countrybank.com
Direct Dial: 413-277-2370
Cell: 413-626-0395
Fax: 413-234-3243
RETAIL LOAN OFFICER
NMLS #432695
jsoucia@countrybank.com
Direct Dial: 413-277-2348
Cell: 413-262-2141
Fax: 866-757-5784
RETAIL LOAN OFFICER
NMLS #618959
jvelez@countrybank.com
Direct Dial: 413-277-2318
Cell: 413-636-2925
Fax: 866-506-7515
RETAIL LOAN OFFICER
NMLS #432698
kkemp@countrybank.com
Direct Dial: 413-277-2383
Cell: 774-200-5017
Fax: 866-726-4071
RETAIL LOAN OFFICER
NMLS #1687192P: 413-302-3467sdesantis@countrybank.com
Direct Dial: 413-302-3467
RETAIL LOAN OFFICER
NMLS #689658
lsanchez@countrybank.com
Direct Dial: 413-277-2041
Cell: 413-209-4823
Bilingual
Servicio en Español
Knowing where your current mortgage stands can help you manage refinancing possibilities in the future.
In just a few taps, you can pay your mortgage or even set up a recurring payment so you can focus on what matters most.
Make an extra principal-only payment on your mortgage so you can pay your loan off faster.
*$600 Closing Cost Credit – Country Bank will credit you $600 at closing if you open OR have an existing Country Bank checking account along with the following two (2) services:
Internet Banking with e-statements and automatic loan payment from a Country Bank checking account, must be established to receive the $600 closing cost credit. All accounts and services are subject to individual approval. The incentive will be applied as a Lender Credit on the Closing Disclosure at time of closing. Only valid on applications approved and closed with Country Bank. Other fees may apply. Validated coupon must be received no later than TWENTY (20) days from the date of application or the offer is null and void. This offer can be withdrawn at any time. Valid only for residential owner-occupied mortgage applications received by Country Bank. Only one (1) coupon per mortgage application allowed.
**$400 Bonus Savings Credit – To receive the $400 bonus credit into your Mortgage Savings account as part of our ‘Mortgage Bonus Bundle’ program, the following qualifying activity must be met, as well as maintained for three consecutive months after loan closing:
Your account will be credited $400.00 within 60 days of the bonus requirements being met. Only one bonus payout is allotted. The bonus credit may be tax reportable. Customer is responsible for any taxes; please consult a tax advisor for additional questions.
***Qualify for Higher interest rate on Mortgage Savings – The base interest rate on the account is 0.10% with an annual percentage yield of 0.10%. If qualifying activities are met, the interest rate will be ‘bumped’ up to 2.00% with an annual percentage yield of 2.02%. To qualify for the bump rate
on the account, the following activities must be met within the monthly statement cycle: