Skip to content

Buy, build, renovate or refinance with help from local lenders who really care. Quickly apply online today!

Key Features

  • Competitive Rates
  • Quick Decisions
  • Local Processing
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • A wide range of financing programs available, including:
    • Fixed-rate mortgages
    • First-time homebuyer specials
    • Construction loans
    • Jumbo loans
  • 1 to 4-unit investment property financing
  • Helpful loan advisors with working knowledge of the Hamdpen County real estate market
  • Free pre-qualification for extra confidence when buying your home
  • Flexible repayment terms that fit your budget
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Learn More

Visit our Mortgage Web Center for financial calculators, current rates, and other helpful resources.

  • Competitive rates for your home construction project
  • Available for primary residence or second home construction
  • Payments are interest-only during construction phase, based on the amount drawn on your loan
  • Construction draws advanced in stages based on work completed
  • Transition from the construction phase to permanent financing with no additional closing
  • Helpful loan advisors with working knowledge of the Hampden County real estate market
  • Quick, local decision-making and processing
  • Attentive, friendly service from start to finish

Monson Savings Bank has contracted with Lee & Mason, a company based in Reston, Virginia, to collect information on your homeowner’s insurance policy on our behalf.

You may receive a letter from Lee & Mason asking you to submit information regarding your current policy. These letters are completely legitimate, however, if you feel more comfortable dealing with a representative from Monson Savings Bank, please feel free to contact us directly at (413) 267-4513.

Upload Your Policy Online

By secure web portal at — the fast, secure, easy way to register your insurance coverage with participating lenders. Simply click on the type of insurance you're submitting and follow the prompts.

Monson Savings Bank offers free workshops to help first-time homebuyers learn about purchasing a home. A first-time homebuyer is anyone who has never owned a home or who has not had ownership in any real estate for at least three years.

These workshops are designed to help first time homebuyers learn how to get pre-qualified for a mortgage, as well as the facts about special loan programs with low down payments. You will be amazed at what you can learn from our expert speakers, including our originators Charlene Kareta and Terry Poloski, a closing attorney, an appraiser, a home inspector, and homeowner’s insurance representatives. 

"There are a lot of people who have good credit and enough income to afford reasonable mortgage payments, but they are still challenged to purchase a home due to the difficulty of raising the money for a down payment and not knowing who to talk to or what the process is." said Dan Moriatry, President and CEO of Monson Savings Bank. "That's exactly who these programs are designed to help".

For more information, feel free to contact Charlene or Terry.