Loan Professionals

Justin Calheno websiteJustin Calheno NMLS #5549
Loan Officer, Retail Lending
Ludlow • Wilbraham
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Direct Dial: 413-277-2370 • Cell: 413-626-0395
Fax: 413-234-3243
Click here to apply now.

"I enjoy helping clients obtain financing for their home purchase; it's very satisfying helping them through what is usually the largest purchase they will ever make."

Justin has been in the mortgage industry since 2002. He began his career at Citigroup as a loan officer before transitioning to a branch manager. He has managed sales teams in the Worcester and Springfield markets. Prior to joining Country Bank, he worked as a sales manager for a local credit union. Justin has a Bachelors Degree in Business Management from Westfield State College.

Justin resides in Ludlow with his wife and daughter and loves to golf in his spare time. He is actively involved in the community and regularly contributes to The Michael J Dias Foundation.

John Snook website

John Wes Snook NMLS #522527
Loan Officer, Retail Lending
Wilbraham • Ware
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Direct Dial: 413-277-2305 • Cell: 413-324-6804
Fax: 866-454-0599
Click here to apply now.

"If experience and accessibility in a Loan Officer appeal to you, for personal attention and local decision making, contact me, your guide to where you want to be."

John has been in the mortgage industry since 1977 and with Country Bank since the beginning of 2013. His expertise includes a background in originating and processing with large, national, independent mortgage companies and large banks. Now, with Country Bank, an independent full-service community focused financial institution, John takes the mystery out of the lending process, giving you the understanding needed in today's more complex lending environment.

John is actively involved in the community as an affiliate member and an active participant in the fundraisers for the Community Services Committee for the Realtor Association of Pioneer Valley.

Janelle Soucia-websiteJanelle A. Soucia NMLS #432695
Loan Officer, Retail Lending
Belchertown • Ludlow
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Direct Dial: 413-277-2348 • Cell: 413-262-2141
Fax: 866-757-5784

Click here to apply now.

"Treat customers the way you would want to be treated."

Janelle has been in the banking industry since 1983 and joined Country Bank as a Residential Mortgage Loan Officer in 2007. Prior to Country Bank, she was a Sales Manager and Account Executive that handled various lending related transactions.

Janelle has worked for mortgage companies and community banks throughout her career. She has experience in all facets of mortgage lending including home purchases, construction and refinances. She is active in the community and has recently taken on the position of Outreach Coordinator for the Belchertown Unit of Salvation Army.

NEWJoMaria Velez websiteJoMaria Velez NMLS #618959
Loan Officer, Retail Lending
Brimfield • Palmer • Ware
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Direct Dial: 413-277-2318 • Cell: 413-668-4028
Fax: 866-506-7515
Click here to apply now.

"I pride myself on keeping the mortgage process as smooth as possible for my customers. I am proud to be on the Country Bank mortgage team and look forward to working for my customers."

JoMaria started her banking career in 1986 at Springfield Institute for Savings. She has specialized in Mortgage banking since 2001 and has been with Country Bank since 2011. JoMaria enjoys working with all types of borrowers but especially enjoys helping first time home buyers.

JoMaria is a member of the Pioneer Valley Realtor Association and serves on the Community Service Committee and Affiliate Task Force. She was awarded Affiliate of the Year in 2012 as recognition for her commitment to the Association. JoMaria also volunteers for Country Bank's Credit for Life fairs each year.

Ashley Merritt

Ashley M. Merritt NMLS# 1022219
Loan Officer, Retail Lending
Ware • West Brookfield • Charlton (and vicinity)
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Direct Dial: 413-277-2163 • Cell: 413-813-9401
Fax: 413-403-4416
Click here to apply now.

"I want to help people reach their dreams of owning their own home, and to help current homeowners continue to enjoy the homes they already have.."

Ashley began her banking career in 2009 as a Financial Service Representative at Southbridge Savings Bank. She joined Country Bank in 2011, and advanced rapidly through various positions to attain her current role as Loan Officer. Ashley is committed to assisting current and future homeowners, and ensuring that her clients have a seamless and enjoyable lending experience.

Ashley is a proponent for active involvement in her local community and regularly donates her time to local events and causes throughout the year. She also currently serves on the Buy Ware Now Committee that focuses on residential growth in the Town of Ware.

Ashley enjoys hiking and staying active. She also relishes experiencing new places and savoring all that life has to offer.

Home Equity Lending Staff 
Sheila E. LaFlower NMLS #432682
Carla A. Alves NMLS #432659 Christine C Lanier NMLS #1552725
Lorraine T. Askew NMLS #432660 Virginia C. Leung NMLS #432685
Carla V. Banas NMLS #847457 Lisa M. Lovell NMLS #432673
Patti A. Beauregard NMLS #852065 Caitlin E. Lucier NMLS #1447511
Tracey M. Benard NMLS #432662 Helios P. Mako NMLS #848742
Jana Bromell NMLS #531016 Melissa A. Malone NMLS #1395135
Jennifer L. Bujnevicie NMLS #432691 Melissa L. Mann NMLS #698615
Colleen S. Carey NMLS #432664 Cheryl A. Nicholson NMLS #432686
Audra L. Chartier NMLS #1216700 Shantie Prashad NMLS #706298
Katie J. Cienciwa NMLS #1237695 Blair K. Robidoux NMLS #432697
Laura B. Dennis NMLS #432666 Laura B. Rodriquez NMLS #751863
Kathleen M. DeSimone NMLS #432667 Melissa A. Shattuck NMLS #640532
Monica L. Dougan NMLS #1194156 Cynthia A. Saucier NMLS #1510839
Heather L. Fontaine NMLS #1449806 Ashley M. Swett NMLS #432675
Tracey J. Giard NMLS #432671 Beverly A. Tetreault NMLS #432699
Carol M. Goodreau NMLS #640534 Tuyen Tran NMLS #1017743
Heidi R. Haggerty NMLS #896722 Christine G. Witz NMLS #1125263
Christy L. Jones NMLS #1479227 Tracey A. Wrzesien NMLS #432702
Alexandrea M. Keddy NMLS #993931  
Elise T. Kowal NMLS #1174002 Country Bank NMLS #405567

To comply with the requirements of the Secure and Fair Enforcement for Mortgage Licensing Act (SAFE Act), Country Bank has registered the employees that meet the definition of a Mortgage Originator.

To confirm that your mortgage professional has been registered, visit and follow the instructions provided.

Country Bank is a full-service, mutual savings bank with 14 branch locations helping the families and businesses of central and western Massachusetts. For the

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