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Let our lending experts help make the loan process easier for you

One of our Mortgage Loan Professionals would be delighted to meet with you at one of our 12 convenient banking center locations to help you find the right mortgage product.

To help us better serve you, please select a banking center 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

jcalheno@countrybank.comDirect Dial: 413-277-2370
Cell: 413-626-0395
Fax: 413-234-3243

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 • Springfield • Chicopee
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
Wilbraham • Brimfield • Palmer • Monson • Ware
jvelez@countrybank.comDirect Dial: 413-277-2318
Cell: 413-636-2925
Fax: 866-506-7515

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

Salema DeSantis

Retail Loan Officer

It would be my pleasure to help you navigate through the twists and turns of the home buying and refinancing process.

NMLS #1687192

Charlton • Paxton • West Brookfield

Direct Dial: 413-277-2114
Cell: 413-302-3467

Fax: 413-403-4416

Apply Now

Home Equity Lending Staff

Our Home Equity Lending staff is comprised of highly trained professionals at each branch location who will provide you with the best possible service while guiding you through the entire HELOC process.  Please contact us today at 800-322-8233 to arrange for an appointment. We look forward to hearing from you!

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.  You may also request a listing from branch personnel or by clicking here.