The smart ATMs at our Northampton Branch Lobby & Drive-up, Northampton VA Branch, and Worcester Branch are temporarily out of service. All UMassFive locations, including our Contact Center, are still available during normal business hours, and our online and mobile banking services remain available as usual.
Our Mortgage Team
Our Mortgage Consultant can help with all of your Home Buying needs!
Gary Talbot

Serving all UMassFive locations.
Gary is a licensed mortgage professional, NMLS #47462. His extensive education and experience in the home buying process benefits his clients, always providing for a smooth transaction from pre-approval to closing.
Gary has spent over 30 years in mortgage financing. He has worked for Member Advantage Mortgage (MAM) for nearly 10 years, and currently holds the position of Senior Mortgage Consultant. His areas of expertise include Conventional mortgages, Federal Housing Administration (FHA) loans, Veteran Administration (VA) Loan, Jumbo loan programs, and helping first-time homebuyers.
Gary resides in Westhampton Massachusetts with his wife Alaina, his son Garrett and their Golden Retriever named Gulliver. Gary enjoys hiking, golfing, disc golfing, snowboarding, and his favorite pastime is to see live music in any form.
View available appointments with Gary.
Awarded Silver Level MassHousing Loan Originator for Fiscal Year 2025
Since 2023, Gary has been helping members reach the goal of homeownership through the MassHousing program, and it has since become his go-to recommendation, especially for first-time buyers. Learn more about MassHousing here.


Member Advantage Mortgage, LLC, NMLS 1557 (www.nmlsconsumeraccess.org )
Ready to apply for your Mortgage?