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Our lending experts want to make the loan process easier for you

One of our Mortgage Loan Professionals would be delighted to meet with you at one of our 14 convenient branch locations to help you find the right mortgage product.

To help us better serve you, please select a branch location or an individual Mortgage Loan Professional to start the process today!

Mortgage Loan Professionals

Justin J. Calheno

Business Development Officer, Retail Lending

“I take great pride in helping my borrowers through the process by delivering the customer experience they expect from a community bank. Whether you are looking for a new loan with great terms or finding a better refinance solution, it would be my pleasure to help guide you.”  

NMLS #5549
Ludlow • Wilbraham • Hampden
jcalheno@countrybank.comDirect Dial: 413-277-2370
Cell: 413-626-0395
Fax: 413-234-3243

Apply Now

Kelly L. Kemp

Retail Loan Officer

“The mortgage process is not new to me; for over 15 years I have gained the knowledge and expertise to educate my clients through each step of the process so they can feel confident and stress-free during their mortgage journey. I am delighted to assist them through the process and help their dreams come true.

NMLS #432698
Worcester • Leicester
kkemp@countrybank.comDirect Dial: 413-277-2383
Cell: 774-200-5017
Fax: 866-726-4071

Apply Now

Jason Mourao

Retail Loan Officer

“I am committed to providing each of my borrowers with ideal financing that truly fits their individual needs. Whether purchasing their first home or refinancing an existing home, one of my greatest joys is guiding them through some of the biggest moments in their lives.”

NMLS #1257723
Wilbraham • Ludlow
jmourao@countrybank.comDirect Dial: 413-277-2305
Cell: 413-478-4456
Fax: 413-596-4666

Apply Now

Janelle A. Soucia

Retail Loan Officer

“Whether you’re a first time homebuyer or a seasoned homeowner looking to purchase or refinance, with over 20 years of industry experience I will provide you the expert guidance in helping you to understand all of your home-buying options to fit your individual needs.”

NMLS #432695
Belchertown • Granby • Northampton • Amherst
jsoucia@countrybank.comDirect Dial: 413-277-2348
Cell: 413-262-2141
Fax: 866-757-5784

Apply Now

JoMaria Velez

Retail Loan Officer

“I thoroughly enjoy giving back to those within the communities I serve.  I have assisted many families within the community fund their dreams by offering guidance and support through the borrowing process; I am ready to help you and your family reach financial success, as well.

NMLS #618959
Brimfield • Palmer • Monson
jvelez@countrybank.comDirect Dial: 413-277-2318
Cell: 413-668-4028
Fax: 866-506-7515

Apply Now

Christine G. Witz

Retail Loan Officer

There isn’t anything more rewarding than making my customers dreams become a reality.  Whether it’s the purchase of a first home, building a dream home, downsizing or remodeling an existing home, I look forward to partnering with each of my clients to accomplish their goals.” 

NMLS #1125263
Ware • Charlton • Brookfields • Paxton
cwitz@countrybank.comDirect Dial: 413-277-2163
Cell: 413-654-7294
Fax: 413-403-4416

Apply Now

Home Equity Lending Staff

  • Cheryl A. Albano NMLS #1237685
  • Katie E. Anyon NMLS #1863975
  • Nicole M. Ash NMLS #173201
  • Lorraine T. Askew NMLS #432660
  • Patti A. Beauregard NMLS #852065
  • Monica L. Begin NMLS #1194156
  • Jana Bromell NMLS #531016
  • Jennifer L. Bujnevicie NMLS #432691
  • Colleen S. Carey NMLS #432664
  • Audra L. Chartier NMLS #1216700
  • Katie J. Cienciwa NMLS #1237695
  • Laura B. Dennis NMLS #432666
  • Tracey J. Giard NMLS #432671
  • Alexandrea E. Goncalves NMLS #1741645
  • Leila M. Hurt NMLS #727960
  • Christy L. Jones NMLS #1479227
  • Alexandrea M. Keddy NMLS #993931
  • Elise T. Kowal NMLS #1174002
  • Sheila E. LaFlower NMLS #432682
  • Christine C. Lanier NMLS #1552725
  • Andrea L. Ledoux NMLS #1781471
  • Lisa M. Lovell NMLS #432673
  • Melissa L. Mann NMLS #698615
  • Kelly A McCarthy NMLS #1781717
  • Carol M. Metcalfe NMLS #640534
  • Cheryl A. Nicholson NMLS #432686
  • Shantie Prashad NMLS #706298
  • Blair K. Robidoux NMLS #432697
  • Laura B. Rodriquez NMLS #751863
  • Yvonne M. Santos NMLS #458964
  • Cynthia A. Saucier NMLS #1510839
  • Melissa A. Shattuck NMLS #640532
  • Stephanie Skaza NMLS #1931580
  • Ashley M. Swett NMLS #432675
  • Nicholas G. Thompson NMLS #1792956
  • Tuyen Tran NMLS #1017743
  • Tracey A. Wrzesien NMLS #432702
  • 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 employees that meet the definition of a Mortgage Originator.

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