Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view,download Adobe® Acrobat Reader.
Sugar River Bank


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

With over 30 years of lending experience, Terri is ready to help you every step of the way. She has served as a past Board Member for the Sullivan County United Way, Finance Committee and Board Member for West Central Behavioral Health and has 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.

Ellen Lessard
Mortgage Loan Originator
Concord, Warner and surrounding towns
198 Loudon Road
Concord, NH 03301

Phone: 1-603-227-6011
Mobile: 1-603-477-7891
Fax: 603-227-6055
Apply for a mortgage here

NMLS #1597160 

Ellen loves working in Concord where people know her as a small business owner of a women's clothing and furniture store.  With her lending experience and knowledge of the local community she is excited to work with people in the Concord and Warner area to help them achieve their lending needs. 

Colleen DeAngelis
Mortgage Loan Originator
New London, Sunapee, Grantham and surrounding towns
196 Newport Rd
New London, NH 03257

Phone: 1-603-526-2060
Mobile: 1-454-4628
Fax: 603-526-2063
Apply for a mortgage here

NMLS #2053914 


Colleen has over 20 years banking experience, she is passionate about providing exceptional, personal, and dedicated customer service to her clients.  Colleen and her family are a part of our community living in the Lake Sunapee region where she helps families achieve homeownership and any of their lending needs. 

As a resident of New London, Colleen is a board member of the Lake Sunapee Chamber of Commerce, Rotary Club member, Kearsarge Neighborhood Partners volunteer, New London Day Committee member and an affiliate of the Sunapee Board of Realtors.


Tor E. Stenberg
Loan Originator
Newport and Claremont
10 N. Main St.
Newport, NH 03773

Phone: 1-603-843-6221
Mobile: 1-680-9069
Fax: 603-843-6231
Apply for a mortgage here

NMLS #2139989

Prior to joining the bank, Tor served in multiple investment roles at Fidelity Investments. He also held a New Hampshire real estate agent’s license. As a proud member of the greater Newport community, Tor enjoys working closely with mortgage customers in and around his hometown.

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 $548,250). 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 those 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 . 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 or contact one of our originators for more information. Click Here for Rates.

Sugar River Bank offer's Federal Housing Administration (FHA) and USDA (Rural Development) financing.  

We also participate in The Equity Builder Program (EBP) and Housing Our Workforce (HOW) 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.