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Great Service. Great Neighbors.

We know that choosing a mortgage can be a daunting task.  Our mortgage professionals provide exceptional customer service and will fully explain the different options available to you so that you can choose the best product suited to your needs.  For great service, contact your neighbors today.


Terri L. Crate
Vice President/Senior Retail Loan Officer

Newport Office
10 North Main Street
Newport, NH 03773
Phone:  603-843-6222
Mobile:  603-381-3096
Fax:       603-843-6231


NMLS #419840

With over 30 years of lending experience, Terri is ready to help you every step of the way.  It is important to her to give back to her community and is currently serving as a Board Member for West Central Behavioral Health.  She has also served as a past Board Member for the Sullivan County United Way and been involved with Newport Chamber of Commerce events.  Aside from volunteering, she also serves as an Affiliate Member of the Upper Valley Board of Realtors.


Mary Sullivan
AVP/Mortgage Loan Originator

Concord Loan Center
198 Loudon Road
Concord, NH 03301
Phone:  603-227-6011
Mobile:  603-477-7891
Fax:       603-227-6055


NMLS #560924

Mary has over 30 years of banking and lending experience in the greater Concord community.  She truly enjoys giving back to her community.  Mary is a Board Member for the Greater Concord Chamber of Commerce and Havenwood-Heritage Heights Retirement Community while also serving as an Affiliate Member of the Capitol Region and Greater Manchester/Nashua Board of Realtors.


Travis Craig
Loan Officer

Newport Office
10 North Main Street
Newport, NH 03773
Phone: 603-843-6221
Fax:      603-843-6231


NMLS #751779

With over 10 years of banking experience, Travis is excited to help local residents of Newport and the surrounding communities find a loan that is right for them.  He is proud to give friendly service to all of his customers and help them reach their goals while making the process as easy as possible.  Travis also enjoys volunteering his time to help those who need it and giving back to the community. 

Josh Lizotte
Mortgage Loan Originator

New London Office
196 Newport Road
New London, NH 03257
Phone:  603-526-2060
Mobile:  603-477-3865
Fax:       603-526-2063


NMLS #1539970

Josh joined the Bank 4 years ago and is the newest member of our lending team.  With over 12 years of customer service experience, Josh knows exceptional customer service. He enjoys being involved in his local community and is a Board Member for the Lake Sunapee Young Professionals Network and is active with the Lake Sunapee Region Chamber of Commerce.  Josh is happy to serve our New London and Sunapee locations!


Real Estate Loans

Adjustable Rate Mortgages ( ARMs) - mortgages with periodic adjustments in the interest rate. ARM rates are calculated against the 1 year treasury bill index plus a margin. A wide variety of ARMs are available based upon individual needs and desires. Click Here for Rates.

Fixed Rate Mortgages - mortgages with an interest rate that does not vary over the term of the loan. Click Here for Rates.

Special programs available for Jumbo Loans (over $424,100).  Specific terms and conditions apply, please contact a loan officer for more details.

Construction Loans - interim loans covering construction costs. The loans are secured by a mortgage on the property financed. Funds are generally advanced at specific stages of construction upon presentment of invoices. With the bank's One Step Construction Loan Program, construction financing is paid off from the proceeds of a permanent mortgage which is originated at the same time as the construction loan. Click Here for Rates.

Land Loans - loans secured by land. Click Here for Rates.

Manufactured Home Loans - loans secured by new or used mobile homes. Manufactured homes may be located on either owned or rented land. Repayment term is generally shorter than loans secured by other residential structures. Click Here for Rates

Special programs available for Manufactured Housing on it's own land.  Specific terms and conditions apply, please contact a loan officer for more details.

Sugar River Bank, along with the NH Housing Finance Authority, want to work together to help make your dreams a reality.  NHHFA has many financing options available for first time homebuyers, who may have limited credit, down payment and income. Low rates and no purchase price limits make buying a home a little sweeter. For more information please contact one of our loan officers or go to http://www.gonhhfa.com/buying-home/our-mortgage-programs . Other terms and conditions may apply.  Under the Home Start Homebuyer Tax Cedit Program, eligible borrowers can save up to $2,000 per year in reduced federal tax liablility.  New Hampshire Housing Finance Authority administers the Home Start Homebuyer Tax Credit program. For more information, please visit www.GoNewHampshireHousing.com or contact one of our originators for more information.  Click Here for Rates

We also participate in The Equity Builder Program (EBP) which offers grants to households with incomes at or below 80% of the area median income with down-payment, closing-cost and home-buyer counseling.


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