Shamrock Home Loans celebrated its 34th anniversary recently – all of that time being headquartered here in Rhode Island. During those 3-decades, the Company has confronted and, by its longevity, succeeded in a variety of economic, housing, and regulatory environments. However, “most gratifying”, says CEO/Founder Dean Harrington, “is the loyalty and commitment of our employees.” That includes President-25 years, CFO-23 years, Operations Head-15 years, Chief Underwriter-14 years, and Head of Sales-14 years.
In an era where the industry has attempted to buy employment, particularly Sales talent, this commitment to the Mission of Shamrock – “everyone deserves to live in a home they love” per Harrington, is equally noted throughout its loan officer community, with 5 of the Top 10 having been with the company over 15 years. And its Top Loan Officer – Liz Letourneau – celebrating 25 years at Shamrock this week! “The other 5”, Harrington adds, “is possibly the most exciting part of our story. Shamrock has long shown it is an employer, really an experience, where loan officers choose to stay. It is now, also proving, it is where sales professionals choose to come, as the other 5 have joined us in the last 18 months.”
After exploring national expansion in 2020/2021, Shamrock recognized its core strengths were in the New England market, and redirected its full leadership involvement, product development, marketing concentration, and operational support on “our backyard”. All 5 of those new sales hires were part of that local strategy.
This blend of veteran’s experience, new hire energy, and corporate strategic focus has allowed the Company to significantly outperform the industry during these challenging times when the MBA is forecasting a year-over-year production drop of 26%, while Shamrock is pacing for a 0% drop.
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Xactus is the leading verification innovator for the mortgage industry. With over 6,500 clients and eight operations centers across the U.S., we collaborate closely with our clients to digitally integrate a 360° approach to verifications across their workflows.
As a result, lenders can easily access the technology necessary to meet consumer demands for a modern mortgage experience with industry-leading speed, reliability, and accuracy – while also closing more loans more quickly with greater profitability.
Committed to your success
At Xactus, we are strongly committed to your success at every juncture! From groundbreaking solutions to cutting-edge technology and exceptional customer service, Xactus stands by your side as a catalyst for success. With local presence in Warwick, RI, and West Haven, CT, we’re your steadfast guide in this fast-paced digital world. Innovation is our heartbeat – we’re all in when it comes to conquering client challenges.
Improving Workflows, Creating Efficiencies
Xactus presents an array of verification services designed to guide lenders through the complexities of the modern mortgage market. Let’s dive into two dynamic offerings that can expedite your loan closures:
TaxStatus – A seamless and completely automated solution that’s going to completely replace the need for Form 4506-C.
Xactus has an exclusive partnership with TaxStatus to allow you to collect IRS data on your consumers, delivering a comprehensive analysis of the tax return information, highlighting essential details and flagging any potential inconsistencies – all in real-time. Gone are the days of waiting weeks for manual document retrieval and processing.
Here are a few ways this solution is changing the game for IRS Tax Transcripts:
- Instant, up-to-date tax information
- Up to 78 records for individual taxpayers
- Real-time transcript updates
- Lender-branded e-signature process
- GSE Compliant
- 3% rejection rate
You can even use this solution to perform Identification Verification by prompting the consumer for a picture of their ID and a selfie.
Portfolio Monitoring – With Xactus Portfolio MonitoringX, you’ll be electronically notified about your customers’ credit activities, enabling you to quickly respond to their changing credit needs and retain their business.
Our lenders typically see a 1% hit rate of new mortgage inquiries against client databases each month, and close about 20% of their delivered notifications. If you’re monitoring 20k records, that means you’re potentially closing 40 additional loans a month or more. With a minimum investment and the highest ROI, Portfolio MonitoringX is the most cost-effective and highly sought-after marketing solution available.
As a crucial part of your business strategy, our portfolio monitoring solution can:
- Help guard your profits and loans
- Mitigate portfolio run-off
- Enhance your credit decisioning based on key account data
- Monitor for delinquencies and cross sell opportunities
Reach out for a complimentary 30-day lookback!
Since 1998, Paul DeCoste has been an integral part of our team, offering unwaveringly professional support to clients in customer acquisition, retention, compliance, and operational efficiency. His vast experience highlights his pivotal role in driving client success and optimizing company operations.
For more information, please contact:
Paul DeCoste
Strategic Account Manager
Office: 800-243-0120 extension 4501
Cell: 508-789-6240
Close More Mortgage Business with Our Exclusive Tools:
the Deal Saver and MIHome
For loan originators contending with higher interest rates and low inventory, it’s never been more important to close every possible deal and expand borrowers’ choices by offering flexible down payment options.
More of your homebuyers can become homeowners when you use the Deal Saver — Arch MI’s RateStar BuydownSM. Introduced in 2019, RateStar Buydown was a revolutionary innovation for the industry. It quickly became the preferred solution for LOs to create customized monthly MI premium payments suited to each borrower’s goals, including meeting GSE DTI requirements and lowering the PITI to mitigate higher interest rates.
Your Borrower’s Savings May Already Be Enough to Buy a Home
RateStar Buydown is part of our exclusive MI Home from Arch MI program, a comprehensive set of resources to help you structure and insure low down payment loans. In a recent Bankrate.com survey, 53% of older Millennials (ages 34–42) cited down payments and closing costs as their biggest obstacle to homeownership. By overcoming this challenge with more affordable down payments, you can help Millennial renters buy now:
- Flexible Arch MI guidelines work with down payments as low as 3%; gifts and grants are allowed.
- Manufactured homes, condos, co-ops, single-family and construction-to-perm are all eligible.
- AMGC Community programs allow 1% and even 0% down payments for eligible borrowers; gifts and grants are permitted.
- Free homebuyer education is available via our website for borrowers using Fannie Mae or Freddie Mac loan programs.
- Appraisal gaps? Use our MI strategy to eliminate the need for extra cash at closing.
Built on a Foundation of Financial Strength
Arch MI has the highest financial strength ratings among U.S. MI companies and is the industry’s trusted counterparty for the long term.
Arch MI’s LO Toolkit Makes MI Easy
Our LO Toolbox is a complete resource for Loan Originators. Visit lo.archmi.com for all the MI tools, products and solutions you need to originate loans insured by Arch MI. It includes our Spanish-language video and flyers about the MI basics for Spanish-speaking homebuyers in your community.
Now is the time to begin closing more deals and earning more referrals. Learn more about the Deal Saver and all the options MIHome from Arch MI can offer your borrowers by contacting your Arch MI Account Manager for Massachusetts, Rhode Island, Connecticut and New York: Lauren Geary, AMP, at 203-915-6990 or email [email protected].
Arch Mortgage Insurance Company® | ARCH MORTGAGE GUARANTY COMPANY® | 230 NORTH Elm StREET Greensboro NC 27401 | ARCHMI.COM MCUS-B1518-0823
© 2023 Arch Mortgage Insurance Company. All Rights Reserved. Arch MI is a marketing term for Arch Mortgage Insurance Company, Arch Mortgage Guaranty Company and United Guaranty Residential Insurance Company. Arch Mortgage Insurance Company and Arch Mortgage Guaranty Company are registered marks, and RateStar Buydown is a service mark of Arch Capital Group (U.S.) Inc. or its affiliates.
How your day job can fuel your passion project
By John Houle
My novel, The King-Makers of Providence, has exceeded my expectations in sales and even more importantly to me, overall support from clients, friends and the community.
In addition to the support, I could not have written the book without my day job. The reality is that my marketing-communications company, Main St. Media & JH Communications, provides me the opportunity to pursue my dream project of writing political thrillers. And I don’t just mean all the flyers, social media posts, websites and videos my agency has developed for King-Makers.
My clients have enabled me to write. But, I write for them first. Press releases, scripts, proposals and marketing plans filled with strategic initiatives rather than fictitious characters always take precedence during the day.
When I find myself with some free time between youth sports and evening networking events, or on weekends or early mornings, I retreat to that space that allows me to fully express my creativity, something I find both therapeutic and exhilarating.
But it’s not just the writing that brings a great thrill to a writer. It’s also the feedback. When you meet a complete stranger and they talk to you about your characters, or you learn that the book is on hold with eight people waiting to read it at your local library, you’re simply motivated to keep writing.
At the same time you soon learn that writing is only one aspect of publishing a book. You have to be constantly out promoting, and along the way you will eat your share of humble pie when only a handful of people show up to an event. But you treat them like they’re the most important people in your world, because they’re your readers.
What I’ve learned is that if you want to make it as a novelist, and pretty much this holds true in most endeavors, you have to be constantly out there. You can’t take any event for granted, and you need to continuously send out invites, post on social media, and make that good old-fashioned ‘ask.’ In fact, you need to do all these things numerous times.
When I first entered the marketing-communications field nearly 30 years ago, the rule was 7 touches for a message to resonate. Today in our over saturated media world, it’s more like 12-14 touches. That means more posts, more emails, and more videos for your message to sink in each time.
This is what I’ve learned being in the field for three decades. Thankfully I have my day job.
John Houle is the president of JH Communications | Main St. Media and can be reached at [email protected].
Guild Mortgage is a leading independent mortgage lender in the United States and has been specializing in home loans since 1960. Guild has been recognized for outstanding customer service and grown through referrals by focusing on doing what’s right.
What you can expect from Guild Mortgage
Guild strengthens and sustains local communities by providing a path to homeownership and the financial stability of home equity. Our team of local, experienced loan officers and support staff pride themselves on being available, knowledgeable, and honest in helping you to get the financing that works best for you and your family. They will assess your needs, individual circumstances and goals and find the loan to fit your individual situation. We offer the personal service of a local lender with the flexibility, loan options and control of a leading national mortgage company. We have in-house processing, underwriting and closing and we utilize a list of local appraisers, that are setup by zip code in our rotation to ensure they are familiar with the property they are appraising.
We offer a wide array of loans and programs including Conventional loans, government programs such as FHA, VA loans for military families and USDA loans for rural residents. We also offer specialty loans such as Jumbo loans over the conventional limit, giving homebuyers more to work with in high-priced markets. We have programs for doctors and dentists, as well as zero down and we are fully delegated with RI Housing and MassHousing bond programs for borrowers that meet eligibility requirements.
Guild also provides customer service for the life of most loans, by retaining approximately 90% of our closed loans, so you’ll have a mortgage partner over the long term.
Guild Warwick
100 Jefferson Blvd., Suite 205 | Warwick, RI 02888
401.228.8558 | guildmortgage.com
NMLS ID #2193272; Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer. For more licensing information, please visit https://www.guildmortgage.com/licensing. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Guild Mortgage Company is not affiliated with RIMBA.
PFG LENDING
Salvatore Petrilli, owner of PFG Lending, started the business in 2004 in Warwick, Rhode Island. He started his mortgage career in 1998. PFG Lending now serves RI, MA, and FL.
PFG Lending is an outstanding mortgage brokerage firm serving the lending needs of real estate professionals, builders, and individual home buyers. We have access to a full range of mortgage sources and are dedicated to finding the right loan–with the best rates, terms, and costs–to meet our clients’ unique needs. We aim to offer comprehensive mortgage broker services. PFG Lending will focus on providing personal and specialized services to meet each client’s specific needs. These are the primary objectives of our firm. We do not charge any fees except for Credit Reports.
Mission
PFG Lending offers high-quality mortgage brokerage services to residential customers. Our aim is to provide our customers with fair mortgage rates at reasonable prices while keeping our clients informed and educated throughout the process. We will become friends and mentors to our customers as well as quality service providers. PFG Lending is an excellent place to work, a professional environment that FG is challenging, rewarding, creative, and respectful of ideas and individuals. PFG Lending ultimately provides excellent value to its customers and fair reward to its owners and employees.
Word of mouth has sustained this business over the years. After 19 years Sal may be looking to work at PFG Lending rather than owning the business sometime soon. Eventually, he will be looking to find someone who has the same burn to own their own business. After his mother’s passing last year, he would like to spend more time with his aging father.
Sal Petrilli
Loan Officer NMLS#5214
PFG Lending, LLC NMLS # 2291
C: (401) 862-5588
Email: [email protected]
1865 Post Road Suite 108 Warwick, RI 02886
Michael C. Lima, owner of the Law Office of Michael C. Lima, located in East Providence, RI, was raised in Seekonk, Massachusetts. He has been practicing real estate law since 2004. Michael received his bachelor’s degree from the University of Miami. Go Hurricanes!!! He received his JD-MBA. from Suffolk University Law School in Boston. Michael loved the time he spent in Miami and after receiving his degrees he contemplated returning, however, he decided to stay in Massachusetts to be closer to his family. Now, Michael is a father to two beautiful children. When he is not spending time with his family, he dedicates his time to his firm, clients, and local communities.
Word of mouth is a substantial part of our business. As Walt Disney said, “Do what you do so well, that people can’t resist telling others about you.” Below are some attributes of our firm that drive clients to utilize our services and not only become clients, but lifelong friends.
Why choose the Law Office of Michael C. Lima?
Whether it is your first home, a relocation, the purchase or sale of a vacation home or the refinance of your existing home, we recognize that each transaction is unique and deserves individual attention. We pride ourselves on getting the transaction closed in a skillful and professional manner by communicating and collaborating with all parties involved.
Our staff is available 24/7!
Our attorneys are readily available to answer your questions and to help guide you through the process.
Our experienced paralegals work diligently to provide valuable assistance and skillful coordination throughout all aspects of your transaction.
We will travel to you. Your time is valuable, which is why we will come to you. If you want to close at your home, your work or on the trunk of your car, we will get it done.
As inflation and the cost of living rise daily, one thing we take pride in is providing reasonable and fair pricing to our clients. Further, we will match any competitor.
Not only does our team strive to make a difference in your closing experience, but we also strive to make a difference in our community. We love to give back, whether we are sponsoring local sports teams, filling backpacks for the schools or putting on our bunny ears to deliver Easter baskets; there is nothing more empowering than being able to give back to our community.
Contact our office for all your closing needs!
Law Office of Michael C. Lima
692 Warren Avenue
East Providence, RI 02914
401-270-1144 Phone
401-270-9114 Fax
[email protected]
www.LimaLawOffices.com
RIMBA Member Voted #1 in Nation
Shamrock Home Loans has been named the #1 Best Company to Work For in the industry by the National Mortgage News.
Shamrock, headquartered in Rumford, RI, operating in 20+ states and employing over 100, was founded by CEO, Dean Harrington – former RIMBA President (2017-2018) – in 1989.
“What makes it a good place to work is giving people a challenging set of duties, but a safe place to make mistakes”, said Harrington. “They’ll be more bold and try different things, taking on bigger challenges and their confidence level just skyrockets.”
This recognition program, created by National Mortgage News and Best Companies Group, is designed to identify, recognize, and honor the best employers in the U.S. mortgage industry. This year’s list included 50 honorees, with the final rankings in a special report published on March 9, 2023.
“It’s been a tough time for everyone in the housing finance ecosystem, but these top-ranked companies have proven that it’s possible to be strategically agile while remaining supportive to your employees,” said Heidi Patalano, editor-in-chief of National Mortgage News. “In the face of industry consolidation and broader economic uncertainties, these lenders were particularly admirable in showing how much they value their greatest assets — the people that work for them.”
Companies from across the United States entered a two-part survey process to determine the National Mortgage News’ Best Mortgage Companies to Work for. The first part consisted of evaluating each nominated company’s workplace policies, practices, philosophy, systems, and demographics. The second part consisted of an employee survey to measure the employee experience. The combined scores determined the top companies and the final ranking. Best Companies Group managed the overall registration and survey process, analyzed the data, and determined the final rankings.
Recently voted Best Title Insurance Company by readers of RI Lawyers Weekly, Pilgrim Title Insurance Company has been providing excellent customer experiences for over 25 years with residential and commercial real estate purchases, refinancing, and closings. Since its inception, Pilgrim Title has been committed to building strong partnerships with our Realtor and lender clients and working to provide excellent service to all parties with professionalism, responsiveness, and accuracy. Pilgrim Title serves all of Rhode Island through our five convenient locations: East Providence, North Providence, Barrington, Wakefield, and our newest office in Newport. For snowbirds or anyone else who enjoys the warm weather, we service all of Florida through our centrally located office in Celebration, Florida. Additionally, we service Massachusetts, Connecticut, and New Hampshire through our affiliated law firm Montalbano, Belliveau & St. Sauveur, LLP.
Through the company’s strategic growth, we remain committed to accessibility. Our veteran team of attorneys, paralegals, and support staff are here to provide support and guidance through the process to ensure smooth closings. We pride ourselves on being responsive to questions and concerns in a timely manner, great attention to detail to ensure accuracy, and providing excellent customer service. We always have an attorney available to assist, even after hours and on weekends. Can’t make it to our office for a closing? We will come to you!
Exciting times for First Time Homebuyers! In support of Rhode Island’s first time homebuyer down payment assistance grant facilitated by RI Housing, we are excited to offer a $200 discount off settlement fees for first time homebuyers in Rhode Island.
We look forward to working with you and your clients! Please feel free to reach out to our Customer Relationship Manager, Stacy Thomas, at (401) 274-9100 or send us an email at [email protected].
FNF is a leading provider of title insurance and transaction services to the real estate and mortgage industries. FNF is the nation’s largest title insurance company through its title insurance underwriters – Fidelity National Title, Chicago Title, Commonwealth Land Title, Alamo Title and National Title of New York – that collectively issue more title insurance policies than any other title company in the United States.
Our network of high-quality agents spans across the entire United States and ranges from small one or two person operations to large national agencies. From residential to commercial transactions, we provide the same unparalleled underwriting expertise and service to each and every one of our independent title agents.
Click below to contact and learn more about our Rhode Island team.
http://nationalagency.fnf.com/RI
#FNFisforyou
Start off the New Year with a review of your Warehouse Lending needs with Coastal States Bank. CSB provides tailored solutions to maximize the funding needs of Delegated and Non-Delegated Lenders in all 50 States. We know that finding the right warehouse partner is key to your success.
Whether you are looking to reduce your costs, improve efficiencies, or obtain your first warehouse line, we can help.
Coastal States Bank has been an active member of RIMBA since 2019 and continues to support the association.
Reach out to Sue Anderson, AVP Warehouse Lending [email protected] or 860.402.8337 to learn more and see how we can help.
Doing business with Coastal States Bank, it is more than a relationship, it is a partnership!
AAA Northeast Bank brings the trustworthy AAA Five Diamond Service to Rhode Island, Connecticut, and Massachusetts residents with valuable mortgage products, including home loans, reverse mortgages, home equity loans and other financing options. Our goal is to simplify the process and add peace of mind to some of life’s most important decisions. That’s why all our Mortgage Consultants are licensed in NMLS, and the title attorneys and settlement agents we select are experts in compliance matters.
We also offer webinars on first-time home buying and Reverse Mortgages to help people navigate the world of home financing, save the most money, and get answers to their questions. Best of all, because AAA is firmly committed to Equal Credit Opportunity principles, our offerings are available to everyone – not just members!
Learn more about our webinars, home loans and other financial products, and careers.
Founded in Westerly, RI in 1800, Washington Trust holds the distinction of being both the oldest community bank in the nation and largest state-chartered bank headquartered in Rhode Island.
Washington Trust was recently recognized by American Banker and Bank Director as one of the top-performing midsized banks in the United States. It’s just the latest accolade for the organization, which has put together an outstanding track record of success for more than two centuries. The bank operates through a retail branch network in Rhode Island and Connecticut, as well as through mortgage, commercial lending, and wealth management offices located in Rhode Island, Connecticut, and Massachusetts.
Washington Trust is a special place because of our people. When you’re part of the Washington Trust team, you’re part of a 200+ year old company that values its employees. We believe employees who are valued, recognized, rewarded, and empowered will achieve personal and professional goals. At Washington Trust, we are committed to being the employer of choice by fostering a corporate culture where people matter.
Washington Trust attributes the growth and success of our mortgage department to three simple things: Robust Product, Streamlined Process and Real (Nice!) People.
Robust Products
Every borrower is different … we want to know their story, so we can offer them customized lending solutions that best fit their lifestyle. We strive to continually improve our product selection to meet the ever-changing needs of our marketplace. Regardless of your business generation model, we have the products to meet your needs.
Streamlined Process
Our mortgage professionals can focus on sales because we provide the backroom support to process applications quickly and accurately. We go to great lengths to create and maintain efficiencies throughout the mortgage loan process. We strive to augment our team with a service-oriented, results-driven approach to help them succeed.
Real (Nice!) People
It takes a team of people working every day and focusing on their strengths to create the tradition of success Washington Trust has achieved for more than two centuries. We are a talented group of Residential Lending Professionals with a great reputation in the markets we serve. We strive to be a work environment that balances our can-do culture with success.
Search our career openings and find out why Washington Trust was named one of the Best Places to Work in RI. Good things start here: https://www.washtrust.com/About-Us/Careers/Mortgage-Careers
For the first time in more than 35 years, there’s a new leader at Rhode Island’s largest member-owned credit union.
Kathleen C. Orovitz, a 30-year veteran of the financial services sector, has been elevated to the role of President & CEO of Navigant Credit Union following the retirement of Gary E. Furtado. Selected unanimously by the credit union’s Board of Directors, Orovitz joined Navigant Credit Union in 2009 and previously served as Executive Vice President & Chief Retail Banking Officer.
Kathy is taking the helm of a rapidly growing financial institution with more than 107 years of history at the center of Rhode Island’s business community. Navigant Credit Union closed 2022 with more than 130,000 members and over $3.3 billion in assets – and Kathy says her goal in 2023 is to build on the credit union’s momentum, while staying true to its roots.
“I am truly honored to serve as Navigant Credit Union’s next leader, and I feel fortunate to have had the opportunity to work alongside and learn from Gary Furtado and the rest of our team over the last 13 years,” said Orovitz in a statement. “I am devoted to Navigant Credit Union’s mission of delivering the best experiences for our members across Rhode Island while continuing to sustain and build upon our best-in-class employer status. I am excited to get to work.”
On behalf of the Rhode Island Mortgage Bankers Association: Welcome, Kathy – and good luck!
Learn more about Navigant Credit Union’s suite of lending products:
- First-Time Homebuyer Loans: Learn more >>
- Home Equity Loans: Learn more >>
- Construction Loans: Learn more >>
- Refinance Loans: Learn more >>
Rhode Island based Lathrop Insurance was founded in 1939 to protect Southern New England homes and business from the unexpected. We developed our reputation on providing fast, accurate service for both our clients and our business partners. Our practical approach to complex problems will help even the most challenging of closings.
Top 3 Reasons to refer your clients to Lathrop Insurance:
- Fast, Accurate quotes to ensure Insurance is not the limiting factor when closing on a mortgage. Quotes are available same day on most risks.
- Rhode Island based Insurance Agency with unmatched local knowledge of flood risks, CBRA Zones and building requirements allow us to prevent any surprises at closings
- Insurance Markets to ensure we have the right fit for your clients: From first purchase to vacation property to a rental property portfolio – we can solve it all!
To learn more, call our office at 401-596-2525 or email James Kane at [email protected] to learn more about Lathrop Insurance, and how our team can be an asset for you.
Earn more deals and offer more options to homebuyers
If you think mortgage insurance is just for first-time homebuyers, it’s time to rethink your MI strategy. MI Solutions can broaden your borrowers’ financial options so they find the loan – and home – that works best for them. Our 6 strategies below can help you earn more deals by creating new opportunities and solving common obstacles for your borrowers (even if they think they’re out of options).
How MI can help you and your borrowers
- Buy a home sooner: Show prospective borrowers how they can become homeowners sooner and build more equity.
- Expand cash flow options: Your move-up buyers may be able to afford more home by putting down less with MI.
- Free up fixer-upper funds: MI can help your borrowers buy and renovate the dream home they’ve always wanted.
- Overcome a low appraisal: Your borrowers can secure a winning bid when they leverage MI.
- Afford a home in a higher price range: Your borrowers can use private MI as a purchase tool to afford more home.
- Reshape the old way of thinking about MI: Bust the 20% down payment myth and show your borrowers all of their financial options.
MI helps expand house-hunting options
Help your borrowers break into new neighborhoods and new price points with the power of MI! It’s a big accomplishment to save up $15,000 for a down payment. But if your borrowers put 20% down, they would only be able to afford a $75,000 home. Private MI can offer your borrowers increased buying power and expand their home search, allowing them to consider a wider range of home prices and available homes for sale – assuming, of course, that they can afford the higher monthly payment that accompanies the larger home price.
MI when your borrowers need it – not when they don’t
Private MI can usually be canceled when the loan either reaches the cancellation point due to amortization of the original loan amount or the borrowers request cancellation based on an increase in their home value due to appreciation or home improvements. For many borrowers, this may be an advantage over an FHA loan. FHA typically doesn’t allow borrowers to cancel the monthly MI payment unless they put down 10% or more. MI cancellation also gives you an additional opportunity to stay connected to your borrowers. They’ll thank you when you get in touch to notify them that they may be able to cancel!
Dig deeper into these strategies and MI Solutions at RethinkMI.com.
Questions? Contact your MGIC account representative:
Cindy Dirgins
Senior Account Manager
(mobile) 860-874-5334
Picture it! Providence, 1994. I was 19, a freshman in college and just met Kim, my future wife. We wanted some supplemental income to help support our dinner dates at Chili’s, so Kim found a part-time position at Tower Financial Group in Cranston, RI. Believe it or not, my journey in mortgages began as a telemarketer. It paid $8.50 an hour (double the minimum wage at that time) plus the opportunity to make commissions!! This was big money back then, especially for hungry college kids. Little did I know I was falling in love, not only with Kim but also with the mortgage biz.
I’ve always had an entrepreneurial spirit. As soon as I got my driver’s license, I started a disc jockey business with my best friend in high school. I loved the idea that the harder I worked the more successful I could be. At just 16 – 17 years old I was going on consultation appointments, meeting with couples and walking out with $500 deposit checks! My first mentor, John Willard, a real old school wedding photographer, showed me the ropes about sales and that the key to success is excellent customer service. He would say “you have to do everything better than the other guy does it”. The DJ business was booming, in the end we were getting over $1000 a wedding and we made quite an impact on the local wedding scene.
Establishing relationships with people and making them smile was one of the best experiences of my life. I learned some good old-fashioned “people” and “sales” skills while managing the DJ business; but it was the job at Tower Financial Group that had the biggest impact on my life. Kim found the job at Tower via the Ol’ Providence Journal Help Wanted section; one of the only few ways you could find a job back then. It wasn’t easy to get started. I was practically 10 years younger than any loan officer at Tower and still in college, so I had to prove I was worthy of the opportunity. I did so by immediately becoming the top application taker, then began my way right up the ladder there and in the mortgage industry. Ironically, what finally made the difference was when the owner hired us to DJ the Tower Christmas party. After he saw all our equipment and how professional we were, he came up to me at the end of the night and said, “Okay kid, I’ll give you a shot. Come in early Monday, ready to learn.”
I was very fortunate to receive some amazing training at Tower. Just like anything in life, it’s all about a strong foundation. I was trained by Christina Fetta, I called her “the mortgage goddess”. She taught me everything about mortgages, the old school way. Of utmost importance and still what I preach today, she taught me that taking a good mortgage application is the key to a successful process. She also taught me to pay attention to the details and to do all the little things correctly every step of the way. To this day I still use the same HP 12C financial calculator. It’s almost 30 years old. Talk about old school!
Mortgage professionals today need a computer to function; back then we did everything by hand, in person, and mailed packages overnight. I remember that mortgage rates were just under 9%. The first time we saw a rate under 8%, it was as if a miracle just occurred! Speaking of miracles, I began to feel the epiphany of helping people. What is better than helping someone achieve their dreams?
I was motivated and successful at Tower and within 6 months became a top producing loan officer. I did well because I love helping people. To this day, I absolutely love that whether it is a purchase or refinance I feel like I can make a positive difference in someone’s life. I stayed with Tower for about another year before I was given an opportunity for more growth and income at Mansfield Mortgage in Lincoln, RI. Mansfield had some extremely talented professionals, many still in the business today. I learned from the best and I soaked it all up like a sponge, always knowing that I wanted my own company someday. I realized what worked and more importantly what didn’t work.
Now about 5 years later in 2000. Within a year, I married the love of my life, we started a family, and I established my own licensed mortgage company in Pawtucket, RI., Anchor Financial Mortgage, Inc. We were fortunate to find our home office at One Lonsdale Avenue in Pawtucket. It’s a great location for our office, right off 95 and accessible for all our clients. We were initially just licensed in RI and MA; but are now also licensed in CT, ME, NH, NY and FL.
Now it hasn’t always been roses and butterflies, there have been many ups and downs. When we first started things were pretty good, as interest rates decreased. Unfortunately, around the year 2004 people got greedy and that’s when all these crazy no income verification loans and option arm “pick a payment” loans came on the scene. I’ll never forget the first time I met with World Savings Bank in 2004 and learned about the option arm. When the Rep left, I said, “Well that is the end of mortgages as we know it. Sure enough, a couple years later, the bottom completely fell out because of all these bad mortgages. While we did close our share of no income verification loans for self-employed borrowers, we never closed an option ARM nor overstated income for a wage earner borrower (liar loans as I called them), as that stuff should have been illegal. It certainly caused one of the largest financial crises in history and we were hit hard.
It wasn’t an easy time, we racked up almost $200,000 in personal debt trying to keep everything afloat, and were navigating the waters, adapting to stricter regulations (i.e., net worth requirements) mostly meant to manage the bigger financial lenders in the industry. I refused to give up knowing that people need homes, and believing our business would have to come back. It was difficult and I hung on by my fingernails. This was the time that we became a lender, because brokers became the scapegoat for Wall Street. I went back to basics, focused on what made me successful in the first place, good old fashioned outstanding customer service. In fact, it makes me proud to say that my business relationships and my loyal client base helped pull us through the mortgage crisis and we came out stronger on the other end.
Fast forward to today, 23 years established in business, Anchor Financial Mortgage is stronger than ever. I am blessed to have the best crew in the mortgage business. It’s taken me over 20 years to put together this group of All-Stars but I did it. We call them “The Dream Team” and we have in house underwriting and processing. More important, my customer service philosophy has worked; for 22 years we have been registered with the better business bureau and we haven’t had one single complaint against us! My vision has come true and I am honored to we have helped thousands to achieve the American Dream! Our team, combined with access to every mortgage program available, makes this possible for our clients, every single day.
Most important of all, Kim and my three beautiful girls are doing great! Love and Marriage, and Mortgages. What’s next? Or as I often say “Who’s next?!”
Joseph M. Baptista
President
MLO # 14018
Anchor Financial Mortgage, Inc. NMLS #2471
One Lonsdale Avenue
Pawtucket, RI 02860
Office: 401-495-3100
Email: [email protected]
Essent Guaranty, Inc. is innovating the way forward with intelligent MI pricing that goes beyond traditional credit factors and simple solutions to help lenders close more loans. Our strong capital position and investment-grade ratings also underscore the depth of our claims-paying resources and ability to deliver on our value proposition.
At Essent, we are more than MI. We invite you to take advantage of our tools and resources to help you grow your business, including:
- EssentEDGE®: Our risk-based pricing engine leverages advanced analytics, proprietary risk metrics and cloud-based machine learning to deliver MI pricing that more accurately reflects a borrower’s credit profile.
- EssentENGAGE: Get insights and perspectives on a broad range of topics that are shaping our industry. From in-depth research to thought leadership webcasts, we offer resources to help you navigate your footprint in a highly competitive market.
- Essentials Training: Stay on top of your professional game with our live webinars and self-paced learning modules. We also offer income and collateral analysis tools to make your job easier. It’s all free!
Explore everything we have to offer at essent.us.
Have a question about Essent MI? I can help.
Mike Stevens
Account Manager, CT, MA, RI, VT
508.735.5920 / [email protected]
A 15-year plus veteran of the real estate/mortgage/ title Insurance profession, Sharon Zickendrath has been an active participant at almost every level of the Real estate field. She began her career as processor for a National Wholesale Mortgage company and was quickly promoted to a Wholesale/Sales Representative. Understanding the business on all sides of the transaction, helped her transition in becoming a National Sales Representative/Business Development Rep for a Title Company, owned by Fidelity National, where she has worked for 10 years. She brings great knowledge and understanding of what it takes to work as a team and how to generate business while maintaining loyal client relationships.
She currently serves as the 1st female President of The National Association of Hispanic Realtors- Providence Chapter, Co-Chair of the Young Mortgage Professionals, Active committee member of The Women in Mortgage Banking and proudly serves as Membership Director for The Women’s Council of Rhode Island. She has been featured several times as a “Member Spotlight” for her support and activeness with The Rhode Island Mortgage Bankers Association.
In addition to participating in charitable associations or as a member on other local committees, Sharon is an ardent supporter of teamwork, she embraces collaboration with Realtors and Mortgage lenders to elevate the real estate profession and, educate the community and ultimately, better serve clients.
Originally from New York and raised in California she has traveled extensively to many countries and ultimately planted her roots in Rhode Island. Sharon is a National Account Executive for Liberty Title & Escrow and is fluent in Spanish.
Outside of real estate, I enjoy spending time with my beautiful family which is the center of my universe. My husband who supports me and helps me every day to be the best version of myself. My amazing, sweet, smart daughter for whom I push myself every day to make them proud.
The Law Offices of Robert A. Ragosta focuses on residential and commercial closings in Rhode Island and Massachusetts.
Attorney Bob Ragosta, with his decades of experience, is knowledgeable in many areas of law. That experience allows him to act as a concierge of legal services for referrals to attorneys across the legal spectrum. Agents, brokers, loan officers, and their family and friends are welcome to take full advantage of this service which ensures them competent representation in any area of the law they may need.
Bob acted as an attorney for Fannie Mae at all of their Rhode Island REO closings for close to two decades.
Bob also served as an Assistant City Solicitor for the City of Cranston, and in January of 2017 Mayor Allan Fung and the City Council appointed Bob as an Auxiliary Probate Judge in Cranston as well as an Associate Judge of the Municipal Court. In addition, Bob is the President of (CASA) Court Appointed Special Advocate for Children. He also serves as a Commissioner and Receiver for the RI Family Court.
Our office has experience in probate law, foreclosures, and tax sales. This experience allows us to guide buyers, sellers, agents, and loan officers through the closing process and get closings to the table. We assist clients with leases, creating of LLC’s and Corporations as well as filings with the Rhode Island Division of Taxation. The office handles personal injury cases and preparation of Wills and Healthcare Powers of Attorney. We practice in all probate courts in the State of Rhode Island.
We pride ourselves on providing outstanding service and availability to all before, during, and after the closing. Title issues are dealt with immediately so as to ensure all closings take place on time.
We support the Rhode Island Mortgage Bankers Association and it’s PAC as well as the various Board of Realtors. Bob is in the Greater Providence Board of Realtor’s Hall of Fame.
The team of Robert A. Ragosta, Carolina Bowry and Kerri Montesi, in conjunction with our attorneys, closers and our underwriters at Commonwealth and Chicago Title Insurance Companies simply get closings done. We value being a resource for realtors and loan officers.
We look forward to the opportunity to serve and meet all of our clients and partners real estate and other legal needs.
For more information, please contact:
Attorney Bob Ragosta
(401) 274-9900
663 Atwood Avenue
Cranston, RI 02920
Kriss Law, LLC/Atlantic Closing & Escrow is one of the nation’s largest residential closing firms. Founded in 2004, the company has grown through a commitment to service, price, and partnership with our Realtor and lender clients.
Throughout the company’s growth, we have maintained a small firm feel while offering the resources of a larger organization by strictly adhering to our “One Point of Contact System.” In all transactions, buyers, sellers, Realtors, and lenders deal with one central point of contact. This avoids confusion and helps our clients to form long-lasting relationships with our staff.
Kriss Law/Atlantic attorneys are available 7 days a week and after normal business hours. We have an attorney on call each weekend to meet any of our clients’ needs that may arise. For each weekend’s on-call attorney, please visit our Facebook Page at: www.facebook.com/krisslawatlanticclosings/ or follow us on Instagram @krisslawatlantic.
At Kriss Law/Atlantic, we are always happy to travel anywhere at any time to help make the closing experience a good one for our clients. Whether it is a borrower’s home, Realtor’s office, or even an airport in California, we will make it convenient for our clientele.
In addition to our service model, Kriss Law/Atlantic has forged a unique bond with the Realtor community via our Continuing Education Program. Since its inception in 2005, the Program has provided informative and interesting opportunities to earn credits toward license renewal for over 100,000 Realtors in New England and beyond. Our lender partners participate in the Program as well and hundreds of mutually beneficial mortgage/Realtor relationships have resulted.
While Kriss Law/Atlantic has been named Banker & Tradesman’s Best New England Closing Attorney and Title Company several times, we conduct real estate transactions in all 50 States and have many offices up and down the Eastern Seaboard.
Locally, our Rhode Island office at 10 Dorrance Street in Providence, has long served the Ocean State’s real estate community.
To schedule a Realtor continuing education event, easily obtain a fee quote from our online calculator, or read more about the firm in general, please visit us at www.krisslawatlantic.com.
We are always interested in speaking with anyone in the real estate industry about new, exciting, or outside-of-the-box ideas that may help to generate new business. Please contact us at [email protected] to schedule a meeting.
Personal and Company History
The Mortgage Corner® of New England is a licensed mortgage broker in Massachusetts and Rhode Island offering a full selection of mortgage products represented by many national mortgage lenders celebrating our 20th year in business. President Jeff Desrosiers and Senior Vice-President Tom Foley have a combined 73 years of mortgage experience. Jeff & Tom started working together at Old Stone Bank in 1984.
Jeff left Old Stone Bank in 1992 to start mortgage operations at AAA Southern New England. Serving AAA’s local 2.3 million members in Rhode Island and Massachusetts he led AAA into the mortgage business. He became Vice President of Financial Services adding auto loans, credit cards, and all other financial products under his direction including the formation of AAA Bank in 2000. In September of 2001, he left AAA to open his own mortgage company The Mortgage Corner® of New England where he is today.
Upon Old Stone Bank’s closing Tom started his own company with New England Pacific Mortgage in 1994. Joining forces with many former Old Stone employees Tom lead a group of mortgage professionals into a successful mortgage company.
Jeff & Tom stayed in communication during their years apart and in 2009 decided to team up again at Mortgage Corner® of New England. The mortgage meltdown of 2008 caused many mortgage professionals to leave mortgage brokers and join banks or large mortgage companies. The Mortgage Corner® of New England has not only survived but thrived as one of the few mortgage brokers remaining in Rhode Island.
How we work
Our independence and network of lenders allow us to service our clients and maximize the mortgage programs we can offer them. We are not limited to one lenders rates and programs. We have many lenders to provide options for our clients. Our national lenders give us the power to offer great rates and turnaround time while our local lenders allow us to offer non-conforming loans such as construction loans or rehab mortgages. We were the first mortgage broker allowed to do business with Rhode Island Housing & Mortgage Finance Corporation and continue to offer their amazing programs today.
We are in Warwick, RI central to the state. We still believe in local face-to-face service allowing us to meet our clients at their convenience. Our goal is to create lasting relationships with our customers by providing them with the mortgage product that best suits their financial needs at the best interest rate available.
For more information on The Mortgage Corner® of New England visit:
Founded in 1989, Equity National Title is a nationwide title and settlement services company based in Providence, RI.
Equity’s goal is to create a smooth and secure experience for everyone at the closing table; whether you’re a homeowner, lender or realtor. Equity works with every client as a partner rather than a vendor. With our ‘One-Point-of-Contact’ System you‘ll always reach the right person to help you…quickly. And that point of contact is always backed by an experienced and dedicated closing team. It’s the way we can assure on-time closings that meet the contract date.
As a partner, Equity creates loyal customers by uniquely integrating our people, process, and tools to build better solutions that consistently delight, putting Equity at the heart of every real estate transaction (whether it’s a purchase, refinance, HELOC, residential or commercial loans).
With more than 33 years of experience understanding mortgage industry trends, Equity focuses on innovations that meet the challenges that customers are working to solve today. These ‘customer-inspired innovations’ are what give Equity its edge in the title and settlement space. Equity has over 741 positive reviews, a 4.9 rating on Google, a 97.5 borrower satisfaction rating, and our overall NPS (net promoter score) was 68 in 2021. With numbers like that, you are assured that on top of everything else, Equity sells peace of mind.
It’s how we’re building the title company of tomorrow, today.
For more information on Equity National Title, please visit: https://www.equitynationaltitle.com
James O’Donnell / President
Equity National Title
888-434-5500 x4209
Our friendly and knowledgeable team members live local and are ready to help you and your clients navigate insurance decisions.
As an Independent Agent, we offer choice. Apple Valley has multiple insurance companies, coverages, discounts, and options. Our focus is to match you with the insurance program that meets your needs.
We have a dedicated person for fast quotes and binders.
Contact Angela today to see how she can help you!
(401) 949-0559 X5
You can find out all about us and our entire team at:
BankNewport originates commercial, residential, and consumer loans, essential for small business growth, homeownership, job creation, and retention, all contributing to the revitalization of local communities and our state.
With an unprecedented demand for mortgage banking services during the pandemic, BankNewport has continued to answer the call of the community and meet the needs of its customers every step of the way.
At BankNewport, we are committed to a personal banking experience. We take great pride in our role as trusted financial advisors to our customers, and our team of residential loan officers, universal bankers, business bankers and commercial lending officers are empowered to provide support and guidance to help customers make important financial decisions at key times in their lives. BankNewport continues to offer a full suite of mortgage products, including our own first time homebuyer, one-close construction, and jumbo financing.
BankNewport has stayed focused on providing exceptional service, competitive products, and innovative solutions for generations of families and businesses. Under the leadership of BankNewport President & CEO Jack Murphy, our goal is to grow the Bank in a prudent manner that benefits our primary stakeholders, our customers, through the introduction of new and innovative products and enhanced digital and mobile technology.
In 2022 BankNewport’s residential lending and home equity lending teams launched BLEND for all new loan applications. BLEND is an excellent digital application experience for our retail bankers, mortgage loan officers, and our most valued users, our customers. Our customers can apply at their leisure online, apply with a retail banker or a residential loan officer. Customers are able to view their loan status throughout the process, upload requested documents, see what is still needed, and view and sign most documents.
Community commitment is integral to our mission. BankNewport has awarded $7 million in grants, sponsorships, and donations to a wide range of nonprofits over the past 11 years to help strengthen and enrich lives and communities throughout the state.
Creating a positive impact in the communities in which we serve is at the core of BankNewport. We truly believe that by helping individuals and businesses succeed financially, the whole community thrives. We’re All In!
For more information on BankNewport, its retail lending operations and more, please visit: https://www.banknewport.com/.
Betsy Salisbury
Senior Vice President, Retail Lending Operations Manager
BankNewport
(401)-845-8770
The refinance boom is in the rearview mirror but as a leading financial institution, built on a strong foundation, BankFive is here to stay. We have provided mortgages in the communities we serve for over 167 years and we are proud to meet the challenges of today’s rising rate environment. As a Mutual Savings Bank we take the long view with regard to market fluctuations and recognize opportunities to improve. We are investing in our people, technology, and products to ensure we gain market share. We are pleased to announce the addition of two established Mortgage Originators who are working out of our Cranston Loan Production office. Dennis Hughes and Karen Flynn bring years of mortgage lending experience and the positive approach our referral partners/customers have come to expect.
We are more than just a financial institution. As part of the community fabric in the SouthCoast and Rhode Island, we are dedicated to helping our referral partners/customers reach their financial potential, bettering the lives of our neighbors, and supporting our employees.
For more information visit bankfive.com or stop by our Bristol Branch or Cranston Loan Production Office.
Patrick J. Deady
Senior Vice President, Director of Residential & Consumer Lending
774 888 6189
Peter Nastasi has been in the mortgage industry for over 21 years and has been with Sierra Pacific Mortgage for 12 of those years. Peter developed his team 21 years ago and many great people have joined over the years. He has built a fantastic team of like-minded individuals who care about each other and each other’s clients. They all pride themselves on being upfront and honest from application to close.
Peter has been with Sierra for over 12 years, and attributes that to culture because “we have such a great team behind us that ensures that our loans close and that everyone truly cares for our clients, and we have their best interests at heart.” Sierra has quality lending practices, unparalleled service, unquestionable integrity, and deep industry knowledge.
Peter and his team have offices located in North Providence RI, Cumberland RI, Worcester MA, and Seminole FL. Team members are also licensed to help in RI, MA, CT, FL, and NH.
Peter is married with two children, Isabella 21, and Peter 13, and wife Marissa, who also works for the company as a processor and a loan originator. My family and I are lifelong Rhode Islanders. If you’re looking for a local lender, with years of experience and a reputation for providing excellent service, look no further!
On August 18, Province Mortgage Associates, Inc. president, Dave Currie, was honored at the Aldrich Mansion in Warwick, RI for receiving the Leaders & Achievers Award from the Providence Business News!
Throughout his 17 years of leadership and guidance, Province has survived and thrived during some of the most challenging markets our industry has ever seen. The success of his vision is reflective in the thousands of happy homeowners we’ve had the pleasure of helping.
CONGRATULATIONS Dave!
Read Full PBN Article: https://pbn.com/pbn-recognizes-2022-leaders-achievers-honorees/ (Subscription Needed)
Qualify More Borrowers with MIHome from Arch MI’s
Affordable Low-Down-Payment Options
Arch MI, the highest-rated MI company, helps mortgage lenders limit risk exposure while expanding their origination opportunities.
But as the market changes, we’re focusing on providing solutions to homebuying challenges, especially for Millennial renters — the largest homebuying generation in history.
Your Borrower’s Savings May Already Be Enough to Buy a Home
Down payments are the biggest obstacle for Millennial customers. According to the National Association of Realtors®, 64% of survey participants either don’t know how much of a down payment is needed or said lenders require at least 20%.
In reality, first-time homebuyers put down an average of 7%. Eligible borrowers can qualify with down payments as low as 5% or even less.
Let your borrowers know that homeownership is possible with a small down payment backed by mortgage insurance. MIHome from Arch MI is a comprehensive set of MI products, solutions and resources to support affordable homeownership for Millennials who want to buy now:
- Flexible Arch MI guidelines work with down payments as low as 3%; gifts and grants are allowed.
- Manufactured homes, condos, co-ops, single-family and construction-to-perm, are all eligible.
- AMGC Community programs allow 1% and even 0% down payments for eligible borrowers; gifts and grants are allowed.
- Free homebuyer education is available via our website for borrowers using Fannie Mae or Freddie Mac loan programs.
- Appraisal gaps? Use our MI strategy to eliminate the need for extra cash at closing.
Customizing a Monthly MI for Each Borrower
Our RateStar® platform continues to be the leading risk-based MI pricing model, offering not only our most competitive pricing for each loan but also the unique option to buy down the MI premium.
With RateStar BuydownSM, lenders can win the business by offering a customized monthly MI payment suited for each borrower’s budget. Show your borrowers the easy RateStar Buydown tool that presents different upfront and monthly payment combinations to identify the best option for individual homebuyers.
Expand Liquidity with Arch Mortgage Funding
Partner with our subsidiary, Arch Mortgage Funding, Inc. (AMF), a mortgage market conduit purchasing closed loans and providing a stable source of liquidity for non-Agency business. archmortgagefunding.com
AMF draws upon Arch’s global mortgage expertise in underwriting, credit risk analysis, pricing and securitization to provide solutions for lenders’ specific risk management needs.
Questions? Contact your Arch MI Account Manager for Massachusetts, Rhode Island, Connecticut and New York, Lauren Geary, AMP, at 203-915-6990 or email [email protected].
Arch Mortgage Insurance Company® | ARCH MORTGAGE GUARANTY COMPANY® | 230 NORTH Elm StREET Greensboro NC 27401 | ARCHMI.COM MCUS-B1518-0822
© 2022 Arch Mortgage Insurance Company. All Rights Reserved. Arch MI is a marketing term for Arch Mortgage Insurance Company, Arch Mortgage Guaranty Company and United Guaranty Residential Insurance Company. Arch Mortgage Insurance Company, Arch Mortgage Guaranty Company, Arch Mortgage Funding, Inc. and RateStar are registered marks, and RateStar Buydown is a service mark of Arch Capital Group (U.S.) Inc. or its affiliates. Realtors is a registered mark of the National Association of REALTORS.
Providing the smarter way to bank is an endeavor that sets Coastal1 Credit Union apart from other banking institutions. As an organization founded by, and run for the benefit of its members, this philosophy is woven throughout all of our business and civic activities.
With more than $3B in assets, we’re large enough to offer an ever-increasing array of products and services designed to meet your needs, yet still small enough to deliver the personalized service you deserve and have come to expect.
Everyone is unique in their own way, so why should your mortgage be any different? Our mortgage products range from traditional 30-year fixed rate loans to 100% financing for first time homebuyers, ARMs to jumbos, VA and FHA loans. For buyers looking to build their new home, our construction loans feature a single closing for both the construction phase and the final term loan, and a rate lock up front.
Simplicity is our promise. Making dreams of homeownership a reality is our goal. With our online mortgage application, homebuyers can navigate the application process quickly, easily, and securely at their own convenience whether they’re ready to apply or just looking to get pre-approved.
With local decision-making and servicing, our trained professionals are at your service to answer any questions from initial application through the life of your loan.
Helping to improve lives of those in the communities we serve has been a key component of Coastal1 Credit Union’s mission since our founding and remains the bedrock of our community service initiatives to this day. In total in 2021, PCU invested $455,000 to more than 300 local non-profit organizations.
With seventeen branch locations in Pawtucket, East Providence, Bristol, Providence, North Providence, Smithfield, Cumberland, Cranston, Warwick, East Greenwich, North Kingstown and Wakefield; and the Coastal1 Loan Center located in Foxboro, Mass., Coastal1 is never far away.
For more information on Coastal1 Credit Union, stop by or visit us on the web at www.coastal1.org.
As you likely have heard, UniversalCIS | Credit Plus has been rebranded to Xactus. We’re very excited about the future that lies ahead for us, the clients we serve in the Rhode Island area and across the country, and the mortgage industry.
We embarked on this rebranding initiative to make it clear that we are innovators with the size, scale, and experience to lead this market and articulate our unique approach to transforming our industry by advancing the modern mortgage.
Committed to your success
We’re committed to our clients’ success at every stage, from how we innovate and solve client challenges, to the robustness and reliability of our technology, to our dedicated customer service team. Locally, we serve our clients through operation centers located in Warwick, RI and West Haven, CT. Working as a partner committed to your success, we can help you navigate a fast-changing, fast-digitizing world.
Improving Workflows, Creating Efficiencies
Xactus offers a suite of data solutions to help lenders successfully navigate today’s mortgage marketplace. Here are two hot products that can help you close more loans more quickly:
VOE/I Waterfall – Our VOE/I “waterfall experience” allows you to cast an even wider net when validating employment and income. Here’s how it works…
Automated verification – Check employment and income more comprehensively through Xactus’ direct integrations with:
• The Work Number®: A solution offered through Equifax Workforce Solutions*, and the largest collection of payroll records contributed directly by employers.
• Experian VerifyTM: Our newest validation resource is powered by the most current data available and delivers employment and income verification data directly from trusted payroll sources in real time.
The automated workflow is fully customizable and can be programmed to cascade, meaning if the employer/income isn’t available in one instant database, another one can be checked.
Manual verification – If an applicant’s information isn’t available in our online databases, we can perform a manual verification. Our team follows a uniform, auditable process that ensures you get data you can trust.
*Equifax Workforce Solutions is a business unit of Equifax Inc., Atlanta, Georgia. Xactus is an authorized reseller of products and services provided through Equifax. The Work Number® is a registered trademark of TALX Corporation, a wholly owned subsidiary of Equifax Inc.
Home Equity Verifications Bundle – We offer a customizable suite of home equity verification services to help lenders target qualified HELOC prospects and better assess risk quickly and easily.
See who qualifies with these data solutions:
• Portfolio Review – mine your current portfolio for leads
• Prescreened Leads – set the criteria and screen consumers while protecting your offers from competitor solicitations in the early stages of your campaign
Assess risk with these verification solutions:
• Credit Reports
• Automated Valuation Models (AVM)
• Employment Verifications
• Flood Reports
• Fraud Plus
And remember, when you bundle our solutions, you mitigate risk and increase efficiencies while reducing costs and enhancing profitability.
Since 1998, Paul DeCoste has been based out of our Warwick, RI office. He is committed to providing a professional consultative approach focused on assisting clients with new customer acquisition and retention, compliance issues, and overall increased operational efficiencies.
For more information, please contact:
Paul DeCoste
Strategic Account Manager
Office: 800-243-0120 extension 4501
Cell: 508-789-6240
Founded in 1983, Embrace Home Loans is one of the nation’s leading mortgage lenders, with over 800 team members across the country and is licensed to do business in all 50 states and the District of Columbia. We’re a Fannie Mae, Freddie Mac, FHA and VA lender and we process, underwrite, fund and close all loans inhouse.
For nearly four decades, Embrace Home Loans has built a reputation for being one of the best places to work. Embrace has a fantastic company culture, where everyone is valued and given the tools and support to excel. Over the years, Embrace has constantly evolved and improved its processes and technologies, getting smarter and stronger at every turn.
When new employees join the Embrace Home Loans team, they quickly find they receive the marketing and technical support they need to grow both inside and outside of the office. That’s because the company believes that business success and personal fulfillment go hand in hand. Embrace offers a positive, exciting environment where new ideas and opportunities are encouraged, and where life-changing experiences happen daily.
At Embrace, our leaders are passionate about helping people make the most of their talents. In fact, we’ve developed our own certified coaching program, which 75 of our managers have gone through. We also know how important branch managers are to a loan officer’s career. That’s why we focus on recruiting and retaining branch managers who have a track record of creating and maintaining a positive sales atmosphere as well as coaching and mentoring new loan officers to be the best they can be.
Innovative Programs
We also provide loan originators with innovative programs to help their borrowers.
- Approved to Move Plus (ATM+)-To help its customers compete with cash offers, Embrace Home Loans launched an innovative program this year called Approved to Move Plus (ATM+), which allows for fully underwritten buyers to receive an unconditional loan commitment with a certificate of value for the property. The program lets buyers make an offer in an amount they choose, often not contingent on an appraisal. Approved to Move Plus empowers our customers with a competitive advantage and peace of mind.
- eSnapp- This year we also introduced eSnapp, a cutting-edge mobile app that lets borrowers apply for loans, upload documents, sign disclosures and even pay for their appraisals from anywhere, at any time. eSnapp speeds up the loan process for borrowers while enabling loan officers to step in to help along the way—all from one app. It makes the jobs of our loan officers far easier, too.
It’s no wonder Embrace continues to grow, even in today’s more challenging market. The company has added 95 team members so far this year and will be hiring more.
Residential Mortgage Services (RMS) has joined forces with Guild Mortgage, giving us the backing of a nationwide lender known for providing top-rated customer service to borrowers before, during, and after the loan closes.*
Sound familiar? We’ve kept everything our local community expects from us the same but made it better behind the scenes. Our work ethic and commitment to providing outstanding customer service will not change. What will change, is the extension of this commitment since Guild Mortgage provides long-term servicing throughout the life of most loans. Meaning we stay connected with clients for life, earning you repeat business.
We’re also excited about all the opportunities and expanded services this new partnership continues to bring. Some of our newest offerings include:
- GreenSmart Advantage program**:
We’ve partnered with Home Depot so your customers can jumpstart energy savings via our new GreenSmart Advantage program. Homebuyers can boost savings and bundle energy-efficient appliances into one loan. They can save more on monthly utility payments and pick out all new appliances from The Home Depot®.
- Bridge Loans***:
Your clients can make an offer on the new home before completing the sale on their current home. Our short-term bridge loan for the down payment helps them make a non-contingent offer so they transition seamlessly.
- Builder Extended Rate Lock Program:
If your clients are buying a brand-new home that is being built, now is the time to lock with our builder extended lock option for up to 360 days! They can secure their rate today while they build, plus get a bonus of a float down 15-30 days before closing if rates drop.
We work with our clients to help them get their offers accepted, to choose the best program for their needs and to help them through the process as quickly and smoothly as possible! Visit us online at Guildmortgage.com
*per MSAT Survey
**Guild Mortgage is not affiliated with The Home Depot. The Home Depot is not a sponsor of this promotion. The Home Depot is a registered trademark of Home Depot Product Authority, LLC. All rights reserved
*** New first lien must be completed with Guild on a new home purchase. Bridge Loan must be repaid within 6 months of closing and departing residence must be listed for sale. This program is not available in Texas. Second liens are not available in Maine. **Manufactured homes and 2-4 units are ineligible.
Guild Mortgage Company; NMLS #3274; Equal Housing Opportunity; www.nmlsconsumeraccess.org. Rhode Island Licensed Lender; Rhode Island Licensed Third-Party Loan Servicer. For more licensing information, please visit https://www.guildmortgage.com/licensing. Guild Mortgage Company is not affiliated with RIMBA or any other featured company.
Headquartered in Providence, Rhode Island, Semper Home Loans is a full-service nationally recognized mortgage lender currently serving 41 states and continuing to expand. Since 2005, Semper has been helping homebuyers across demographics, and income brackets get the financing they need to buy a new home, refinance an existing mortgage, or consolidate high-interest debt. Semper is consistently recognized by their partners and clients for fast closing times and its ability to create options where many other mortgage companies cannot.
At Semper, we strive to create a meaningful environment for our clients, employees, and communities. We participate in many different activities to promote team building, charitable giving, and financial well-being.
Currently, Semper’s corporate office is undergoing a complete renovation and expansion set to be complete later this year. The versatile property is designed to inspire creativity and cultivate employee growth. A slew of amenities will amplify the work experience to coincide with our mantra: “Work should feel a little less like work.”
Warwick Branch
The Warwick branch is led by Daniel Giroux and Eric Maluk, who have almost 40 years of combined experience in the mortgage industry. Dan, Eric, and the teamwork tirelessly to ensure their clients have a great experience. Since joining Semper, Dan and Eric have had the flexibility and freedom to grow their business and give back to their surrounding community.
East Greenwich Branch
Semper recently welcomed the Byron Mortgage Team located on Main Street in East Greenwich, the branch is led by PJ Byron who has over 20 years of industry experience. When you visit the East Greenwich Branch, rest assured you are in good hands. With PJ’s knowledge of purchases and refinances in residential and commercial properties, all your mortgage needs will be met when you visit his team.
We are thrilled to announce the opening of Mortgage Network, Inc.’s newest office in Warwick, RI. Jayne Furlong leads the team as the Branch Manager and brings over 35 years of financial services experience with her. Joining her are Stephen Antonelli (Loan Officer), Pat Baldwin (Loan Officer), and Lisa Sarmiento (Loan Officer/Sales Assistant).
With our corporate headquarters located in Danvers, MA, we are one of the largest privately-held mortgage lenders in New England. We provide our customers with a complete, innovative menu and competitive pricing. Our entire staff, from Senior Management through Operations has extensive mortgage banking experience and is dedicated to providing the highest level of customer satisfaction.
We invite you to stop by or give us a call anytime! We look forward to assisting you, your clients, friends, and family with any home financing needs you may have.
We’re not just loan officers, we’re your local lending team!
(401) 739-5363
Jayne Furlong | Branch Manager | NMLS# 3552 | www.JayneFurlong.com
Stephen Antonelli | Loan Officer | NMLS# 18763 | www.Pat-Baldwin.com
Pat Baldwin | Loan Officer | NMLS# 1063182 | www.JayneFurlong.com
Northpointe Bank Providence is a retail lending branch licensed to lend in all 50 states. Our team of home lending professionals has extensive experience in helping homeowners secure conventional loans, FHA loans, VA loans, and many more! Northpointe is backed by a large depository division which allows for a robust product offering. Northpointe offers innovative and high-value banking products nationwide, including custom-tailored home loans and deposit savings rates that are among the best rates in America.
The Providence branch started with Northpointe almost 4 years ago and has grown tremendously since then. Both sales and operations are housed in downtown Providence out of the historic Turks head building. Working together to deliver results for our clients is what we strive to accomplish every day. Our branch is focused on mortgage origination and putting the client first. We care about our clients and conduct ourselves accordingly.
With a great team of originators and processing staff, Northpointe Bank PVD has all of your residential lending needs covered.
Founded in 2008, the Law Office of Michael C. Lima has a small-town commitment to service, yet the experience, staff, technology and resources that set us apart from our competition.
The Law Office of Michael C. Lima is a reputable law firm located in East Providence, Rhode Island with satellite offices in Providence, Fall River, New Bedford and Newport. Specializing in real estate, our skilled and accessible staff of 20 employees, consisting of lawyers and paralegals, strive to build life-long relationships with our clients. We conduct purchases in Rhode Island, Massachusetts, Connecticut, New Hampshire, South Carolina and refinances throughout the country. You will have title back within 3-5 days with the possibility of less than 24 hours if necessary. If there is a title issue, we will have the title cleared faster than our competition guaranteed. We close wherever, whenever and accommodate the schedules of all parties involved in the transaction. Our goal is to keep breaking internal records at the same time as improving our service on a daily basis.
Many realtors, lenders and mortgage brokers develop preferences and avoidances for particular real estate law firms because of the lack of effort on behalf of the client. Having a transaction fail to close at the fault of the law firm, whether it be for lack of communication or delayed service, will put that company at the bottom of the list. Realistically, real estate closing firms are seldom chosen because of their title duties but more for their customer service and outstanding communication with all parties. At Lima Law, this is where we stand apart from the competition. We are first and foremost customer focused, and incredibly responsive throughout the process. Our team is there for you from start to finish! Whether it is your first home, a relocation, the purchase or sale of a vacation home or the refinance of your existing home, we recognize that each transaction is unique and deserves individual attention. You are not just another client to us, you are so much more. We treat our clients with respect and we give them the time that they deserve.
Founded in Westerly, RI in 1800, Washington Trust holds the distinction of being both the oldest community bank in the nation and largest state-chartered bank headquartered in Rhode Island.
Washington Trust was recently recognized by American Banker and Bank Director as one of the top-performing midsized banks in the United States. It’s just the latest accolade for the organization, which has put together an outstanding track record of success for more than two centuries. The bank operates through a retail branch network in Rhode Island and Connecticut, as well as through mortgage, commercial lending, and wealth management offices located in Rhode Island, Connecticut, and Massachusetts.
Washington Trust is a special place because of our people. When you’re part of the Washington Trust team, you’re part of a 200+ year old company that values its employees. We believe employees who are valued, recognized, rewarded, and empowered will achieve personal and professional goals. At Washington Trust, we are committed to being the employer of choice by fostering a corporate culture where people matter.
Washington Trust attributes the growth and success of our mortgage department to three simple things: Robust Product, Streamlined Process and Real (Nice!) People.
Robust Products
Every borrower is different … we want to know their story, so we can offer them customized lending solutions that best fit their lifestyle. We strive to continually improve our product selection to meet the ever-changing needs of our marketplace. Regardless of your business generation model, we have the products to meet your needs.
Streamlined Process
Our mortgage professionals can focus on sales because we provide the backroom support to process applications quickly and accurately. We go to great lengths to create and maintain efficiencies throughout the mortgage loan process. We strive to augment our team with a service-oriented, results-driven approach to help them succeed.
Real (Nice!) People
It takes a team of people working every day and focusing on their strengths to create the tradition of success Washington Trust has achieved for more than two centuries. We are a talented group of Residential Lending Professionals with a great reputation in the markets we serve. We strive to be a work environment that balances our can-do culture with success.
Search our career openings and find out why Washington Trust was named one of the Best Places to Work in RI. Good things start here: https://www.washtrust.com/About-Us/Careers/Mortgage-Careers
Sprout Mortgage is a nationally recognized leader in Non-QM lending. We successfully deliver uncommonly good solutions to customers whose home financing needs aren’t commonly met elsewhere. We help real estate investors, customers needing Jumbo loans, and self-employed professionals secure easy and uncomplicated financing solutions, and also provide conventional lending solutions for all.
We do this well because of our flexible technology. iQualifi, our proprietary pricing engine, helps mortgage professionals quickly and easily identify Sprout loan products that may work for their customers, from comprehensive options. iAnalyze, our proprietary bank statement assessment tool, efficiently analyzes complex bank statements to quantify and recognize income from those who don’t receive a W-2. Additionally, ACORN, our proprietary automated underwriting system (AUS), originates Prime Jumbo and Non-QM loans with the ease of DU and LP.
This technology helps us deliver flexible and expansive financing – modern lending solutions to meet the dynamics of today’s customers. Our Non-QM roots anchor us in flexible qualifying criteria, common-sense underwriting, and simple, tailored lending solutions at competitive prices. Our client-focused customer service spurs our exponential growth. Our trend setting products include Bank Statement, Asset Depletion, Debt Service Coverage, Prime Jumbo up to $10M, Mixed-Use, Foreign Investor, I/O 40 Advantage, Condotels and more! We provide solutions for Entrepreneurs, Self-Employed, Gig Workers, People with Substantial Assets and Modest Income, Upwardly Mobile Professionals with Minimal Savings, Real Estate Investors, and Foreign Investors. Give us a call – we can do it all!
Licensed in all states except NY, MA and VT. NMLS# 1844521.
[email protected] or 844.644.6100
Rhode Island based Lathrop Insurance was founded in 1939 to protect Southern New England homes and businesses from the unexpected. We developed our reputation on providing fast, accurate service for both our clients and our business partners. Our practical approach to complex problems will help even the most challenging of closings.
Top 3 Reasons to refer your clients to Lathrop Insurance:
- Fast, Accurate quotes to ensure Insurance is not the limiting factor when closing on a mortgage. Quotes are available same day on most risks.
- Rhode Island based Insurance Agency with unmatched local knowledge of flood risks, CBRA Zones and building requirements allow us to prevent any surprises at closings
- Insurance Markets to ensure we have the right fit for your clients: From first purchase to vacation property to a rental property portfolio – we can solve it all!
To learn more, call our office at 401-596-2525 or email James Kane at [email protected] to learn more about Lathrop Insurance, and how our team can be an asset for you.
- First-Time Homebuyer Loans: Learn more >>
- Home Equity Loans: Learn more >>
- Construction Loans: Learn more >>
- Refinance Loans: Learn more >>
Great Reasons to Partner with MGIC
As the founder of modern private mortgage insurance, we take pride in remaining one of the premier MI providers. Throughout our 64 years of business, we’ve dedicated ourselves to providing competitive rates, amazing customer service and valuable resources to help you grow loan originations.
There are many great reasons to work with us, but 4 specific reasons stand out today:
1. Build your brand
With social distancing, engaging with customers is challenging. We can help you overcome this and stay top of mind through our Social Media Café. We provide tools and curated content that you can easily share to help you to build your social presence, expand your brand awareness and create a sustainable social media marketing program.
2. Entice referral partners
It’s more important than ever to reach out to referring partners to strengthen relations and generate leads. We can help you with tools like our Creative Cafe, which offers ready-made, DIY-customizable content for marketing to real estate agents and builders.
You can also get loads of content and ideas from our Loan Officer Hub website, an all-inclusive resource for loan officers, that features referral and marketing strategies, tips and programs to grow your business.
3. Training
We offer training resources for all areas of your business. Gain industry knowledge through our classes, including Appraisal Review, Construction & Renovation Lending, Self-Employed Borrower Income Calculations, Sales Strategies, and Managing in a Remote Work Environment – to name just a few. Visit MGIC Training to see the rest of our class offerings.
4. Take advantage of another great asset – Greg Korn
As MGIC’s Sales Manager for New England, Greg can be a valuable resource for helping you to build your business. His background includes more than 28 years of residential lending in originations, operations, secondary, and risk and compliance.
Reach out to Greg to learn about all the other reasons you should work with us!
Greg Korn
Sales Manager – New England
Mortgage Guaranty Insurance Corporation
270 E. Kilbourn Avenue
Milwaukee, WI 53223
781-223-2605 (mobile)
www.mgic.com | [email protected]
Stay Connected: LinkedIn | Twitter | Facebook Google+ | YouTube | MGIC Connects Blog
Liberty Title & Escrow Company, LLC, a wholly owned, direct subsidiary of Fidelity National Financial, Inc., is your local provider of nationwide title and settlement services, who can also handle the most complex local transactional needs, while still maintaining high levels of personal service. We offer residential and commercial facilitation for all transaction types, including purchase, refinance, equity, and bank owned real estate. On every file, our pledge is fast, detailed, and personalized, along with a commitment to effectuating closings that are convenient for your customer- We can close anywhere at any time. Moreover, you will have singular access to your Liberty point of contact, if there are any questions or concerns throughout the closing process.
We know real estate is a difficult industry, with many areas that require synchronized effort, and as such our proficient team, with Account Executive support, is fluent in Spanish. Liberty National Account Executive, Sharon Zickendrath, is the Vice President of The National Association of Hispanic Realtors/Providence Chapter, and the Co-Chair of the RIMBA Young Mortgage Professionals Committee. She is immensely experienced in all aspects of title and closing, to completely assure a smooth closing.
Liberty understands that timing is crucial, and simply getting the sensitive details right can make or break any deal. With a proven track record since 1997, you can count on Liberty Title professionals for clean titles and settlements done right, every time, when you need them.
To learn more about what Liberty can do for you, please contact our bilingual Account Executive:
Sharon Zickendrath*
Account Executive
[email protected] / 401.714.8836
www.libtitle.com / (*Fluent in Spanish)
Mortgage and real estate professionals have enough to worry about. Insurance should not be one of them. At Lapointe Insurance, we aim to make your real estate transactions as smooth as possible.
This starts by respecting your time. Quotes, binders, mortgagee updates – we strive to get them done quickly and accurately, so you can move on with your process. By mirroring your closing process, we can get a binder back to you not in days but in hours, sometimes even minutes.
We stay informed so we can keep up with the ever-changing guidelines for mortgage programs. Because nothing can slow down a transaction faster than an overlooked flood insurance requirement. And we’re grateful to the RIMBA for helping us stay on top of these important industry updates.
And like the RIMBA, we strive to share our resources. We pride ourselves on making insurance information engaging and easier to understand. As well, we love to use our nationally recognized social media platforms to inform and spotlight other professionals in this industry.
Last, but not least, we listen. We listen to our partners so we can improve our process. We listen so we can get better at solving your problems. And we’d love to hear how we can make our practice work for you!
To connect with us, please contact Rick Lima or John Lapointe.
Rick Lima
Email: [email protected]
Phone: 401-743-4353
John Lapointe
Email: [email protected]
Phone: 508-642-5558
Kriss Law, LLC/Atlantic Closing & Escrow is one of the nation’s largest residential closing firms. Founded in 2004, the company has grown through a commitment to service, price, and partnership with our Realtor and lender clients.
Throughout the company’s growth, we have maintained a small firm feel while offering the resources of a larger organization by strictly adhering to our “One Point of Contact System.” In all transactions, buyers, sellers, Realtors, and lenders deal with one central point of contact. This avoids confusion and helps our clients to form long-lasting relationships with our staff.
Kriss Law/Atlantic attorneys are available 7 days a week and after normal business hours. We have an attorney on call each weekend to meet any of our clients’ needs that may arise. For each weekend’s on call attorney, please visit our Facebook Page at: www.facebook.com/krisslawatlanticclosings/ or follow us on Instagram @krisslawatlantic.
At Kriss Law/Atlantic, we are always happy to travel anywhere at anytime to help make the closing experience a good one for our clients. Whether it is a borrower’s home, Realtor’s office, or even an airport in California, we will make it convenient for our clientele.
In addition to our service model, Kriss Law/Atlantic has forged a unique bond with the Realtor community via our Continuing Education Program. Since its inception in 2005, the Program has provided informative and interesting opportunities to earn credits toward license renewal for over 100,000 Realtors in New England and beyond. Our lender partners participate in the Program as well and hundreds of mutually beneficial mortgage/Realtor relationships have resulted.
While Kriss Law/Atlantic has been named Banker & Tradesman’s Best New England Closing Attorney and Title Company several times, we conduct real estate transactions in all 50 States and have many offices up and down the Eastern Seaboard.
Locally, our Rhode Island office at 10 Dorrance Street in Providence, has long served the Ocean State’s real estate community.
To schedule a Realtor continuing education event, easily obtain a fee quote from our online calculator, or read more about the firm in general, please visit us at www.krisslawatlantic.com.
We are always interested in speaking with anyone in the real estate industry about new, exciting, or outside-of-the-box ideas that may help to generate new business. Please contact us at [email protected] to schedule a meeting.
We are committed to your success. Our goal is to help you reach yours. With over 33,000 borrower reviews and a 95% borrower satisfaction rating, we can assure you that you will get a positive review as well as repeat business from your borrowers and repeat referrals from your referral partners every time we close a loan for you.
Our team is made up of hardworking, professional and friendly people who share our values and work hard every day to make sure everyone gathered around the closing table is delighted with their experience.
Get the information you need, fast. For Title and Settlement Rates, Transfer Taxes, and Recording Fees.
Contact US:
317 IRON HORSE WAY, SUITE 301, PROVIDENCE, RI 02908
PHONE
800-237-8489
EMAIL
[email protected]
We’ll help you keep your promise!
With a well-rounded portfolio of Non-QM and Prime Jumbo, we’ve got flexible solutions to qualify borrowers with varying needs and challenges. Our business revolves around Speed, Ease, and Convenience with superior customer service. Here’s How:
Step Up to Speed: Tick tock. Time to close sets us apart. With thousands of brokers and lenders in our approved network, you can count on HomeXpress to navigate the bumps in the road and move your borrower into the “HomeXpress Lane” to closing.
Step Up to Ease: Alt docs? We’ve got you covered. You’ll love our Broker portal, X-Connect, for real-time updates. Non-QM loan solutions to lending challenges are where we push the EASY button!
Step Up to Convenience: Whether Non-QM loans or our Prime Jumbo solution, when your borrowers are ready, they’ll sail through the loan process! We’ve got the team and the technology to open every gate and check every box to funding.
Take Advantage of a Great Asset – Laurie Souza. As your dedicated Account Executive with over 25 years of retail, wholesale and correspondent lending experience including conventional, government, jumbo and Non-QM, Laurie can be a valuable resource for providing solutions and building your business. Reach out to Laurie to learn more about why you should be working with HomeXpress Mortgage Corp.
Laurie Souza
National Account Executive
HomeXpress Mortgage Corp.
NMLS #: 1446044
Mobile: (781) 820-4931
Efax: (617) 977-8668
Email: [email protected]
At Dimension National Title, we’re a local provider with national reach. We are able to handle the most complex needs with a high level of professional customer service.
You and your clients need efficient, prompt closings performed in a professional, convenient, and friendly environment.
At Dimension National Title, your client chooses the location and time of their closing. There is a staff member on call during your closing to serve your needs.
Behind the scenes, you’ll experience a dedicated specialized team of real estate professionals with one point of contact using the latest technology to focus on your particular situation and accommodate your needs.
Our services include:
- Real Estate Title & Settlements
- Real Estate Closings
- Title & Property reports
- Documentation preparation
Dimension National Title, headquartered in Cranston, Rhode Island, provides comprehensive real estate title and settlement services on local, statewide and national levels. Dimension Title services the real estate and lending communities, as well as developers and homeowners. Each treated as if they were our only client.
Our dedicated team of professionals will close your loan and meet your clients’ needs anywhere, anytime, coast to coast!
Our friendly and knowledgeable team members live local and are ready to help you and your clients navigate insurance decisions.
As an Independent Agent, we offer choice. Apple Valley has multiple insurance companies, coverages, discounts, and options. Our focus is to match you with the insurance program that meets your needs.
We have a dedicated person for fast quotes and binders.
Contact Angela today to see how she can help you!
(401) 949-0559 X5
You can find out all about us and our entire team at:
The past 18 months have brought unprecedented challenges to all of us, given the pandemic, social unrest, and economic distress. As a company, CATIC was determined to meet these challenges head on, while protecting the interests of our insureds and our other industry partners. The social distancing requirements that were imposed, given the pandemic, meant that the traditional real estate closing had to adapt. Land records were closed to the public, and remote and electronic communication became the norm. Most employees began to work from home, and many real estate transactions were conducted using technology instead of in-person meetings.
Given all of the uncertainty faced by our industry partners, we immediately put in place a dedicated COVID-19 webpage, and posted daily updates about governmental actions, town halls and registries, and details on matters such as remote notarization and federal loan programs for businesses.
In keeping with our corporate goal of helping our agents to enhance their knowledge and build their businesses, we launched CATIC Academy, an interactive online platform that contains educational material produced by both CATIC and many other entities. We continued to provide numerous webinars for our agents and their staffs, covering matters such as new construction, standards of title, digital closings, foreclosures, cyber security, and marijuana production and sales facilities.
We continued with our expansion into new states, including Georgia, Ohio, and Pennsylvania, and launched our “TOPS” title search platform in Rhode Island. In addition, for the first time, we made the national top ten list for title insurance premiums, putting us in contention nationally with the biggest firms in the industry.
In our efforts to build better communities by promoting fair and equitable treatment for all, we established a Social Justice Initiative, charged with finding ways to help improve the level of minority home ownership.
Despite the challenges we have faced in recent months, our goal remains the same – to provide first-in-class service and support to our insureds and our other industry partners. To learn more about CATIC, please visit our website, www.CATIC.com.
BankFive
Last year certainly brought us all challenges. However, as a leading financial institution, built on a strong foundation, BankFive was able to meet the needs of customers during an unprecedented crisis. We succeeded in meeting the demands of the growing mortgage market, closing over $800MM in 2020. Our top three mortgage producers closed a combined total of over $324MM in mortgages. We continue to meet the challenges of our current “red hot” purchase market by providing conventional and flexible portfolio lending. We always promote a “can do” culture.
Many of our customers have adopted new technologies at record speeds and to provide best-in-class service, we rolled out Video Banking which allows us to assist a customer with a loan applications as well as closing loans virtually. This allows us to be both convenient but still secure.
The pandemic didn’t slow down our growth. In 2020, we also launched BankFive’s Business Banking team comprised of Small Business Specialists and Business Development Officers. These experts are dedicated to business with $5 million in annual sales and loans up to $750,000. Along with our Commercial Team, the Business Banking group assisted 600 business customers with $60 million in PPP loans.
There have been many changes but the one thing that remains the same is our ongoing commitment to our employees’ and customers.
We’re more than just a financial institution. As part of the community fabric in the SouthCoast and Rhode Island, we are dedicated to helping our customers reach their financial, bettering the lives of our neighbors and supporting our employees. For more information visit bankfive.com or stop by our Bristol Branch, or Cranston Lending Office.
Patrick J. Deady
Senior Vice President, Director of Residential & Consumer Lending
(774) 888-6189
Personal and Company History
The Mortgage Corner® of New England is a licensed mortgage broker in Massachusetts and Rhode Island offering a full selection of mortgage products represented by many national mortgage lenders celebrating our 20th year in business. President Jeff Desrosiers and Senior Vice-President Tom Foley have a combined 73 years of mortgage experience. Jeff & Tom started working together at Old Stone Bank in 1984.
Jeff left Old Stone Bank in 1992 to start mortgage operations at AAA Southern New England. Serving AAA’s local 2.3 million members in Rhode Island and Massachusetts he led AAA into the mortgage business. He became Vice President of Financial Services adding auto loans, credit cards and all other financial products under his direction including the formation of AAA Bank in 2000. In September of 2001 he left AAA to open his own mortgage company The Mortgage Corner® of New England where he is today.
Upon Old Stone Bank closing Tom started his own company with New England Pacific Mortgage in 1994. Joining forces with many former Old Stone employees Tom lead a group of mortgage professionals into a successful mortgage company.
Jeff & Tom stayed in communication during their years apart and in 2009 decided to team up again at Mortgage Corner® of New England. The mortgage meltdown of 2008 caused many mortgage professionals to leave mortgage brokers and join banks or large mortgage companies. The Mortgage Corner® of New England has not only survived but thrived as one of the few mortgage brokers remaining in Rhode Island.
How we work
Our independence and network of lenders allows us to service our clients and maximize the mortgage programs we can offer them. We are not limited to one lenders rates and programs. We have many lenders to provide options for our clients. Out national lenders give us the power to offer great rates and turnaround time while our local lenders allow us to offer non-conforming loans such as construction loans or rehab mortgages. We were the first mortgage broker allowed to do business with Rhode Island Housing & Mortgage Finance Corporation and continue to offer their amazing programs today.
We are in Warwick, RI central to the state. We still believe in local face to face service allowing us to meet our clients at their convenience. Our goal is to create lasting relationships with our customers by providing them with the mortgage product that best suits their financial need at the best interest rate available.
For more information on The Mortgage Corner® of New England visit:
As a benefit of the Annual Partner Program, each year the partner receives their own dedicated email spotlighting their company. To find out about RIMBA’s Annual Partner Program, click here.
Your business deserves customized, tech-forward mortgage lending solutions. For over 30 years, that’s exactly what Flagstar Bank has delivered.
We’re built for best-in-class service that always keeps our clients’ integrity and needs top priority. That’s the power of the Human Interest Rate®.
A well-capitalized bank with more than $29.4 billion in assets, Flagstar is the sixth largest bank mortgage originator1 and a top TPO lender. Our best practices in loan servicing have earned six consecutive Fannie Mae Servicer Total Achievement and Reward™ (STAR™) Servicing Awards.
How Flagstar puts you ahead of the competition
- Powerful technology featuring DIY disclosures and better pipeline management and online reporting
- Expansive product set that is competitively priced
- Direct access to Flagstar sales support and operations team, including underwriting
- Comprehensive live and web-based training suite
- Opportunity to participate in our lead partner program
Let Flagstar deliver for you.
Choose a lender that understands your business. Contact me to learn more.
Ann-Marie Copland
Flagstar Bank
VP, Correspondent and Wholesale Senior Account Executive
Northeast Region
New England
617-571-2395
[email protected]
EQUAL HOUSING MEMBER | MEMBER FDIC
1 Inside Mortgage Finance, Q1 2021
Local Expertise. National Reach.
Start Your Home Journey with Atlantic Home Loans.
For over 20 years, Atlantic Home Loans has set the standard in home loans and refinances throughout the US.
Our greatest strength is our knowledgeable loan consultants and strong operations team. We are committed to providing the best customer service while ensuring you get the best loan possible to fit your needs.
Atlantic Home loans is a privately held mortgage bank working for you.
We are a well-capitalized mortgage bank that offers a wide range of loan products to suit nearly any situation. We are also small enough to allow our loan officers to sit down and review your loan, one on one, with our underwriters.
At AHL, you’ll get the personalized service and quick turn-around that is just second to none.
We understand the importance of the real estate transaction. Our originating, processing, and underwriting teams work diligently to ensure that your home purchase or mortgage refinance is a successful transaction.
Customer Success
“Efficient, easy to use on-line format, excellent service, and communication from beginning to end. Highly recommend.”
– Maria D.
AHL Local Home Loan Experts Jayne E. Furlong and Sara Hanson are proud members of RIMBA.
Contact Atlantic Home Loans today to get started on a home loan that fits you and your lifestyle!
Arch MI’s Innovative Solutions Enable Lenders to Customize Payments, Bridge the Appraisal Gap
Industry leader Arch MI delivers advanced mortgage insurance (MI) solutions that leverage the latest technology to lower lender costs, eliminate delays and expand origination opportunities.
Our RateStarSM platform continues to be the leading risk-based MI pricing model while delivering effective solutions to the challenges today’s homebuyers face, including overcoming the appraisal gap in markets with rising home values.
Customizing a Monthly MI for Each Borrower
Our exclusive RateStar BuydownSM tool offers unmatched flexibility to help originators close more loans by making it easy to customize the ideal monthly MI payment for each borrower.
With RateStar providing our most competitive rates, Buydown provides a unique monthly payment your competitors can’t match. Buydown users can quickly consider different combinations of upfront and monthly payments to customize the best solution for each borrower.
It’s the ultimate flexibility for lenders:
- Buy down the MI using any lender and/or seller credits, as well as borrower funds — no money left on the table.
- Lower premium payments allow more loans to qualify for GSE loan requirements.*
- Works with Arch MI’s Standard and EZ Monthly plans, and Arch Mortgage Guaranty Company (AMGC) products.
*For example, Fannie Mae Debt-to-Income ratios and/or Freddie Mac Automated Underwriting System approval.
Bridging the Appraisal Gap
As bidding battles over the limited supply of homes become more common, the purchase price can often exceed its appraised value. Many borrowers and loan originators believe that a home price above the appraised value equates to the borrower having to pay thousands of additional dollars at closing.
However, Arch MI’s mortgage insurance used with RateStar Buydown can bridge the appraisal gap to reduce — or even eliminate — any need for the borrower to come up with extra cash at closing.
Best of all, with Arch MI, you can count on responsive, award-winning customer service. Our sales and underwriting teams are staffed by experienced professionals who understand your business challenges and are familiar with your market.
Questions? Contact your Arch MI Account Manager for Rhode Island and Connecticut, Lauren Geary, at 203-915-6990 or email [email protected].
Arch Mortgage Insurance Company® | 230 NORTH Elm StREET Greensboro NC 27401 | ARCHMI.COM MCUS-B1510-0421
© 2021 Arch Mortgage Insurance Company. All Rights Reserved. Arch MI is a marketing term for Arch Mortgage Insurance Company and United Guaranty Residential Insurance Company. Arch Mortgage Insurance Company is a registered mark and RateStar and RateStar Buydown are service marks of Arch Capital Group (U.S.) Inc. or its affiliates.
Avantus, recently rebranded as UniversalCIS, is a national Credit Reporting Agency (CRA) in business for over 75 years with operation centers located locally in Warwick, RI & West Haven, CT. In the past eight months, we have completed three separate mergers and acquisitions to make us the 4th largest and fastest-growing CRA in the country. We are focused on becoming the preeminent partner to brokers & lenders, not just in terms of size, but more importantly, in terms of technology, products, and bundled solutions. This combination brings together the highest standards of operations and customer service in the industry and provides greater technology resources and operational depth for our clients.
Technology is a core competency. Our development team created the Avantus system, and it continues to evolve to meet ever-changing market conditions. This ability to provide custom enhancements based on a customer’s specific needs allows UniversalCIS to provide a service level and flexibility that other reporting companies cannot match.
Aside from our credit reports, we offer products and services to assist our clients through the entire loan life cycle, from origination through closing and servicing. UniversalCIS provides a complete line of ancillary lending products and services such as Automated Decision Engines, Credit Score Improvement Tools, Mortgage Fraud Reports, Verification Services, and a free automated online application pre-qualification product called “QualifymeNow (QMN).” QMN is a soft-inquiry credit report initiated by the consumer with your specific lending criteria built-in. QMN instantly compares the consumer’s credit data with your own decisioning requirements and returns to them your pre-qualified loan offerings.
To further expand our product offering, we announced our most recent acquisition of mortgage technology provider SharperLending in January 2021. SharperLending provides a product extension into software solutions for the residential and commercial appraisal markets through Appraisal Firewall. Appraisal Firewall is a complete end-to-end appraisal management software that allows lenders to manage their appraisal ordering process internally.
While expansion and technology are important factors in our industry, the front-line service staff at UniversalCIS is frequently mentioned as the most knowledgeable in the industry by originators with experience using multiple credit vendors. This is the direct result of our focus on retaining experienced employees. The average customer service or technical support staff member at UniversalCIS has over 20 years of experience in the industry, dealing directly with credit reporting issues, tradeline updates, verifications, and credit scoring. These experienced professionals have often been the difference between closing a difficult loan and losing one.
Since 1998 Paul DeCoste has overseen our Warwick, RI operation center. Paul is committed to providing a professional consultative approach focused on assisting clients with new customer acquisition and retention, compliance issues, and overall increased operational efficiencies
Whether you are a small or large organization, local or national, we at UniversalCIS can assist. Let us show you how we can help you succeed!
For more information, please contact:
Paul DeCoste
Regional Sales Director
Office: 800-243-0120 extension 137
Cell: 508-789-6240
Connect with Avantus –
Avantus.com | Linkedin | Twitter | Google+ | Facebook
Providing the smarter way to bank is an endeavor that sets Pawtucket Credit Union apart from other banking institutions. As an organization founded by, and run for the benefit of its members, this philosophy is woven throughout all of our business and civic activities.
With more than $2.65B in assets, we’re large enough to offer an ever-increasing array of products and services designed to meet your needs, yet still small enough to deliver the personalized service you deserve and have come to expect.
Everyone is unique in their own way, so why should your mortgage be any different? Our mortgage products range from traditional 30-year fixed rate loans to 100% financing for first time homebuyers, ARMs to jumbos, and FHA loans. For buyers looking to build their new home, our construction loans feature a single closing for both the construction phase and the final term loan, and a rate lock up front.
Simplicity is our promise. Making dreams of homeownership a reality is our goal. With our new and improved online mortgage application, homebuyers will navigate the application process quickly, easily, and securely at their own convenience. Easy to understand language, and meaningful graphics will aid them on their journey … whether they’re ready to apply or just looking to get pre-approved.
With local decision-making and servicing, our trained professionals are at your service to answer any questions from initial application through the life of your loan.
Helping to improve lives of those in the communities we serve has been a key component of Pawtucket Credit Union’s mission since our founding and remains the bedrock of our community service initiatives to this day. When the pandemic hit, PCU donated $175,000 toward COVID-19 Relief to assist basic needs, food assurance, virtual educational programming, WIFI access, cleaning supplies, and more. Funds in the amount of $33,000 previously committed to nonprofits for upcoming events, were redirected to support the core programs the organizations we support. In total in 2020, PCU invested just under $500,000 to support the communities we serve.
With seventeen branch locations in Pawtucket, East Providence, Bristol, North Providence, Smithfield, Cumberland, Cranston, Warwick, East Greenwich, North Kingstown and Wakefield; and the PCU Loan Center located in Foxboro, Mass., PCU is never far away.
For more information on Pawtucket Credit Union, stop by or visit us on the web at www.pcu.org.
SEE THE DIFFERENCE
We know that truly helpful service, real people you can count on and sound advice isn’t easy to come by. And understanding what’s the right financial move and when to do it isn’t easy. You need someone to help you navigate and find better ways to help. At Envision Bank, we’re looking out for you.
For more than 150 years, Envision Bank has been providing individuals, families, homeowners and businesses in our community a wide variety of products that are convenient and hassle-free. In fact, 98% of our mortgage customers said they would “recommend us.” That’s probably why we were ranked among the top 25 mortgage lenders in all Massachusetts.*
“We remain laser-focused on providing smart home borrowing solutions to help individuals achieve the dream of homeownership. Moreover, our unwavering commitment to a differentiated customer experience is at the core of all that we do as evidenced by our 2019 customer survey results: 98% of Envision Mortgage customers said they would recommend us. This is a wonderful testament to the dedication and hard work of our colleagues.”
– Ryan J. Kirwin, Executive Vice President
IT’S ABOUT PEOPLE
Our colleagues are our most valuable asset. We ensure they have the tools and resources they need to achieve their career aspirations so they can deliver an outstanding customer experience. It’s no wonder that we were named a 2020 Top Place to Work by The Boston Globe. We deliver smart banking solutions to our customers via five full-service retail branch locations located in the south shore community and 12 lending centers that serve Massachusetts, Rhode Island and southern New Hampshire.
A terrific home borrowing experience begins with terrific people. Our mortgage team is one of the best around — knowledgeable experts who take the time to listen, answer questions and work closely with you to guide you through the process. And because we offer some of the best rates in the market and a wide variety of loan options, our loan officers will find an affordable solution that fits your needs. What’s more, not only do we know the area, your loan will be handled right here in New England — from application to close — it all happens locally. Because we know you want to get into your home as soon as possible, we strive for a speedy close. Oftentimes, we’re able to close a loan in 30 days or less!
RELY ON US FOR THE ULTIMATE DIGITAL MORTGAGE EXPERIENCE with envisionhome
You’ve probably heard that buying a home can be intimidating and cumbersome. At Envision Mortgage, we don’t think it has to be. We’ve made the process easy to understand so you know what to expect every step of the way with EnvisionHome.
With EnvisionHome, you’ll get a speedy, robust and completely online way to buy or refinance a home! Whether through a smartphone or web browser, EnvisionHome makes it easy to apply for financing and saves you time by expediting the approval process by up to 50%.**
Whether you’re buying your first home, refinancing your mortgage to save some cash, or preparing to build the home of your dreams, turn to us for smart home borrowing solutions. We invite you to see the difference.
* Mortgage lending ranking as of 12/31/2019.
** Fast turnaround based upon timely submission of all required documentation by applicant(s) and assumes no unusual financial circumstances or issues with any of the three credit bureaus. Does not constitute an offer of financing; applicant(s) must meet all loan eligibility terms.
Sierra Pacific Mortgage
The past year has been one like no other, but we are blessed in the mortgage and real estate industry to have had a steady flow and a great year. With all the curveballs 2020 brought us, I am still grateful to be in the industry and thankful that business carried on as usual. With the tough times of being locked down, we saw technology meet its match and showed how much we are capable of doing from anywhere. Homeowners and homebuyers were still able to make their homeownership dreams come true with great interest rates and an extremely competitive market.
Sierra Pacific Mortgage had one of its best years yet and was even voted one of 2020’s “Top Mortgage Workplaces” by Mortgage Professional America. At Sierra Pacific Mortgage, we work hard to ensure that our employees feel seen and heard, as well as rewarded for their excellent efforts. It is a part of the company’s Pillars of Success to always do the right thing, not only for our customers, but for our people too. We strive to give our borrowers the best commitment we can, and always be there for our repeat customers. Even though Sierra Pacific Mortgage is a nationwide company, we make sure to give the hometown feel in our home buying experience. Throughout the experience, we utilize technology to our advantage. With the release of our new app, SPM GO, we have been able to assist future homeowners with the capability to apply, communicate with the mortgage loan originator, securely send documents, and track their mortgage process right from their phone. We also have a great system we call ExpressLoan that is very user friendly and has an automated validation built in. We know what needs to be done, and what we are missing from an application, right away with the waiting time minimized.
Our New England locations are conveniently located in northern Rhode Island, as well as central Massachusetts. We have great in-house support with mortgage loan assistants and processors who are hands on with the file straight through to underwriting. Our mortgage loan originators know their support team has their backs at all times and help to streamline the process, so our borrowers get to the closing table in a timely manner. We also have an in-house marketing associate who assists the team with brainstorming creative ways to reach prospective borrowers and even work with realtors to market their inventory of homes.
Integrity. Reputation. Commitment. Not just words, but principles we live by. We are a responsible lender and have proudly served our customers, referral partners and mortgage brokers for over 27 years. We are ranked as a top mortgage lender by our customers and employees alike – consistently being recognized as a Great Place to Work® since 2018. Our customer review rating is 4.87 out of 5.0, with repetitive comments such as on “detailed communication”, “support”, and “highly professional.”
Products/Pricing
We are a FNMA/Freddie Mac/Ginnie Mae approved seller & servicer. We offer a wide variety of loan solutions to fit almost every lifestyle and budget, including non-agency and non-QM programs. We offer competitive rates and are always researching new products to maintain our competitive edge in the market.
The Loan Process
We employ best-in-class loan technology and have been recognized as a market leader using advanced AI technology and automated platforms to streamline the loan process and reduce inefficiencies while eliminating human error.
About John DeCataldo
John leads the Allied team in the Rhode Island/SE Massachusetts market. His over 30 years of industry experience includes a broad perspective of working in a bank environment and as a direct mortgage lender, leading highly productive and successful sales teams. He has consistently achieved a status as being a top producer in his role, most recently as part of the elite AllSTAR Club at Allied Mortgage Group. He is very active in both the Rhode Island and Massachusetts MBA and a proud dad of five very accomplished children.
Founded in 2015, Homepoint has already grown into one of the nation’s leading mortgage originators and servicers because of its rapidly growing team and an omni-channel operating model that has helped the company carve out a niche as a people-focused lender that simplifies the complexities often associated with mortgages.
Full-service wholesale mortgage lender
As a full-service mortgage lender that funds loans in all 50 U.S. states – some of which are under the company’s legal name of Home Point Financial Corporation – Homepoint partners with independent mortgage brokers and correspondents to support customers in making successful homeownership a crucial element of broader financial security and well-being. We’ve made it a point to humanize the mortgage business, looking beyond the transaction and putting people front and center in the homebuying and homeownership experience.
Personalized experience
Homepoint’s people-first mentality extends to our customers as well as our industry partners. We view mortgages as more than individual transactions. Each loan represents a real person or family, just like the it represents the sustainability of the brokerage that partners with us for the funding of the loan. That’s why we retain the servicing of more than 99% of our Homepoint-originated loans – because our mission is to create an ecosystem where the customer remains connected to us, as well as their originating broker, so they can receive more value through a more personalized experience.
Connect with Homepoint
For more information on how Homepoint supports its broker and correspondent partners in creating financially healthy, happy homeowners throughout the country, please check us out at https://www.homepointfinancial.com/businesses
Ocean State Credit Union has been providing over 70 years of service to Rhode Island and Southern New England. We provide safe and secure products and services from our branches in Coventry, West Warwick and North Kingstown. Over the years, we have grown to meet the needs of both our community and our membership and we are excited to be a financial resource for those who come to us.
As a full service mortgage lender, OSCU has an experienced staff with proficiency in every step of the mortgage process. Our team is dedicated to not only provide these services, but to help guide our Members to the loan that will best suit their needs. With a strong reputation as an outstanding mortgage lender, we have stellar service with one on one pre-qualification and a 24 hour online application process.
We have access to a full range of mortgage resources. Whether you are purchasing a new home, refinancing or remodeling your current one, OSCU can help you. Our large menu of programs and competitive rates pair with low closing costs. Please reach out to start a conversation with our team of experienced professionals. We’re here to help you purchase the home of your dreams.
For more information, please check us out at OceanStateCU.org or contact our Mortgage Loan Professional, Tom Carroll, at (401) 392-2362.
Law Office of Cara B. Conaty, LLC
Cara Conaty, of the Law Office of Cara B. Conaty, LLC is an attorney who concentrates in Commercial and Residential Real Estate Transactions. Cara has been providing services to mortgage brokers, banks, financial planners, businesses, and homeowners for over 24 years. Her firm believes that prompt and personal attention always matter. Cara has strived to provide the highest quality of legal services and treats her clients with respect and courtesy. Her tagline, “Closings that open new relationships”, keeps her clients and referrals coming back year after year. Cara is a member of the Rhode Island and Massachusetts Bar Associations. She has a B.A. in Communications, Minor in Law and Business Administration from the University of New Hampshire and a J.D. from the Roger Williams University of Law. Cara is available 7 days a week and after normal business hours. She closes loans anywhere that is convenient for the client.
Commercial Real Estate
We represent purchasers, sellers and lenders for commercial real estate transactions, as well as draft and review commercial contracts.
Residential Real Estate
We understand the importance of getting things done in a timely manner, so we will happily work around your schedule.
◾Purchase & sales Agreements ◾Sale by Owner Transactions
◾Settlement Documents ◾Title Insurance Policies
◾Deeds, Mortgages and Notes ◾Bills of Sale and Leases
◾Rental Agreements ◾Title Examinations
◾LLC and Corporate Formations ◾SBA Approved Closing Attorney
300 Centerville Road, Summit West – Suite 202, Warwick, RI 02886
Phone: 401/921-2447 Fax: 401/921-4484 Email: [email protected] https://www.linkedin.com/in/cara-conaty-10
A bright future
Although we would all like to forget 2020, thankfully it had some silver linings. Embrace Home Loans had a record year. In particular, the Northeast region saw a volume increase of 64% from the previous year. Although much of this increase was due to refinance activity, we also saw continued strength in our purchase business. Taking advantage of historically low interest rates, we helped thousands of people refinance their mortgages or purchase new homes, helping them to better their financial situations.
As we move into spring of 2021, we will be increasing our focus on the purchase business as we continue to help our borrowers improve their financial situations. Embrace offers many exclusive programs for homebuyers. We’re so confident that we’ll close on time, we brought back our Guaranteed On-Time Closing (GOTC) program. If we don’t meet a closing date, we’ll pay the client $2,500 within 30 days of closing. We also offer a nine-month Extended Rate Lock, which allows customers to buy or build a home with confidence, knowing if things get delayed and rates rise, their rate isn’t budging.
In today’s competitive market, multiple buyers are often competing for the same house. Our Approved to Move™ program gives clients a distinct advantage. Unlike a typical preapproval, Approved to Move™ is a fully underwritten approval that’s completed before a buyer finds a home. Because it’s the next best thing to a cash offer, it’s a hit with both sellers and REALTORS®.
Embrace is also stepping up our recruiting efforts. We’re increasing our underwriting staff by 300%, hiring junior loan officers to help with the workload and providing every resource to ensure our loan officers’ success. As always, we’re looking for talented sales professionals and leaders to join our growing team.
We’ve been in the industry for 38 years, and today we’re one of the nation’s top mortgage lenders. But our success is more than just financial; it is rooted in our culture. We care about our employees as much as our customers — and we’re happy to report that Embrace employees are thriving. We’ve been awarded Top Mortgage Employers, Best Places to Work in RI (for 15 consecutive years), and Best Mortgage Companies to Work For again this year.
To join our team or learn more about Embrace, visit www.embracehomeloans.com/recruiting
Partridge Snow & Hahn LLP is a business law and litigation law firm dedicated to providing excellence in legal services and business planning throughout Rhode Island and Massachusetts. We represent banks, credit unions, mortgage lenders and brokers in a broad range of transactional, regulatory compliance, employment, and litigation matters. Our lawyers have their fingers on the pulse of the mortgage lending industry and have been frequent speakers on topics related to the industry, including the regulation of financial institutions and their mortgage banking subsidiaries.
As a Partner in the firm, Travis McDermott’s practice encompasses both litigation and regulatory matters. He focuses his litigation practice on representing clients in business litigation before the state and federal courts of Rhode Island and Massachusetts. Travis handles complex commercial and business disputes, mortgage and banking litigation, and employment matters. He provides practical, cost-effective advice to business clients, and approaches every litigated matter with a singular goal: achieving the best outcome for the client as efficiently as possible.
In his regulatory practice, Travis represents banks, insurers, and other highly regulated entities in contested matters and investigations before the Rhode Island Department of Business Regulation and other state and federal regulatory agencies.
Learn more about Travis at https://www.psh.com/tmcdermott.
Find the experience you’re looking for at psh.com.
Northpoint Mortgage is a full-service mortgage lender serving in MA, NH, ME, RI, CT, NJ, FL, and the USVI. We specialize in conventional loans, jumbo loans, portfolio loans, government-backed loans such as VA, FHA, USDA, and many more. Since 2005, we have been helping homebuyers and homeowners get the financing they need to buy a new home, refinance an existing mortgage, or consolidate high-interest debt. Click here to learn more about us.
At Northpoint Mortgage, we strive to create a great experience, not just for our clients but also for our employees. Throughout the year, we engage in various programs and initiatives that emphasize building relationships, financial well-being, and community involvement. We love and value our employees as family members and help them succeed both professionally and personally. If you are looking for a new career opportunity and want to grow with us, please check our current openings.
Janet Bausch not only heads Northpoint’s presence in the US Virgin Islands but is also the branch manager of our Rhode Island office! She is also a Senior Loan Officer with a mortgage license in RI, MA, CT, FL, and the USVI. Besides being an expert in the mortgage industry for over 33 years, she was also a Realtor in NY for 3 years and closed 100 homes. She proudly served as a Rhode Island Real Estate Commissioner for 11 years. Click here to learn more about her.
Fun Fact: In the office, Janet’s favorite day of the week is “Save a Life Friday” as the office gets every Emergency at 3 pm every Friday. During this period, her team works faster than any ER around.
“I take my responsibility very seriously, act with complete confidence and in the best interest of my customers.” – Janet Bausch.
Janet Bausch
Branch Manager, Loan Officer (NMLS #12490)
Email: [email protected]
Phone: 401-440-0095
www.janetbausch.com
Janet is thankful to be a part of RIMBA and wants to extend an offer to all other members. RIMBA Members can get a Vacation Discount if they want to rent the Villa in St John www.starstruckstjohn.com. Please contact her for more information.
AAA Northeast Bank brings the trustworthy AAA Five Diamond Service to Rhode Island residents with valuable mortgage products, including home loans, reverse mortgages, home equity loans and other financing options. Our goal is to simplify the process and add peace of mind to some of life’s most important decisions. That’s why all our Mortgage Consultants are licensed in NMLS, and the title attorneys and settlement agents we select are experts in compliance matters.
We also offer webinars on first-time home buying and Reverse Mortgages to help people navigate the world of home financing, save the most money, and get answers to their questions. Best of all, because AAA is firmly committed to Equal Credit Opportunity principles, our offerings are available to everyone – not just members!
Learn more about our webinars, home loans and other financial products, and careers.
https://northeast.aaa.com/financial/mortgage/free-seminars-webinars.html
Lathrop Insurance is a Rhode Island Insurance Agency, built on providing fast, accurate service for both our clients and our business partners. Lathrop Insurance was founded in 1939 to protect Southern New England homes and businesses from the unexpected. Our practical approach to complex problems can help even the most challenging of closings.
Here are the Top 5 Reasons to refer your clients to Lathrop Insurance:
- Fast, Accurate quotes to ensure Insurance is not the limiting factor when you are closing a deal.
- Access to over 20 unique insurance markets to ensure we have the right fit for your clients, from $100,000 to $10m, we have a product to suit every buyer.
- A deep local knowledge of flood risks, CBRA Zones, and building requirements allows us to work with your underwriters so there are no surprises at closing.
- Quotes available same day on most risks.
- We are here to make you look good.
To learn more, contact our office at 401-596-2525 or e-mail Dan Lathrop at [email protected] to learn more about Lathrop Insurance, and how our team can be an asset for you.
At Slepkow, Slepkow & Associates, Inc., we pride ourselves on tradition, reputation and execution.
Our firm was established in 1932. We now have three third generation Slepkow attorneys practicing at the firm. In addition, we have two other attorneys concentrating on our real estate practice. In all, we have a combined 120 years of experience focused on closing residential and commercial transactions in Rhode and Massachusetts. With over 50,000 closings conducted in our office, we are unquestionably the most experienced, and longest standing firm concentrating in real estate transactions in the East Bay. That’s tradition.
Our brand is well recognized throughout Rhode Island and Bristol County Massachusetts. We pride ourselves on our reputation among lenders, real estate agents, developers and consumers. We built our brand recognition by exceeding the expectations of all parties to our closings. Our clients know they can always communicate directly with an attorney whether by phone or email. All parts of the transaction from the title, to review of documents, to scheduling communications, resolution of issues, and closing, are handled personally by one of our attorneys. This is our competitive advantage over other firms, and guarantees the quality of service our customers demand and expect. That’s reputation.
It is one thing to have a goal, but it is quite another to execute it effectively. Our goal is meet all timelines of the consumer and the lender in a transaction. Under the TRID guidelines, timeliness has never been more important. We have the resources to examine title and prepare a commitment within one day of a title order. Our size and experience enables our efficiencies without sacrificing quality. That’s execution.
If you have a real estate closing, title issue or other related problem in the East Bay or Southeastern Massachusetts, gives us a call. We are happy to serve your needs.
1481 Wampanoag Trail
East Providence RI 02915
401-437-1100
fax 401-433-5066
Achieve Greater Efficiency and Close More Loans with Credit Plus
Credit Plus is a leading third-party verifications provider for every stage in the mortgage process – from pre-application to post closing. We offer the intelligent insights mortgage professionals need to make more informed lending decisions, mitigate risk and build their businesses. And, our clients are supported by an unparalleled customer service team that always has their best interests in mind.
The company’s information services line is more than 160 products strong, and includes credit reports, scoring tools, Tax Return Verifications, fraud prevention tools, Undisclosed Debt Verifications, flood reports, appraisals, and more. Its expertise in the mortgage industry enables it to quickly assess current and future needs and provide new solutions for a rapidly changing environment.
What’s more, you can consolidate all your verification needs with the Credit Plus Collection, a comprehensive suite of products and services that will enable you to vet and use just one vendor, saving you valuable time and money. When you manage just one verifications provider, the need for multiple contracts is eliminated. In addition, all aspects of the loan process flow much easier and you will realize greater efficiencies, so you can focus on what you do best – closing more loans. Click here for more information about Credit Plus.
The Rhode Island area is served by Credit Plus Regional Account Executive, Stephanie Mastrianni. Stephanie joined Credit Plus in 2014 and has been providing mortgage lending solutions throughout New England for 35+ years. She prides herself on building not only a business but a personal relationship with all of her clients. Stephanie constantly reaches out to be sure solutions are working well and providing the benefits that were promised and suggest any additional services that would create even greater efficiencies for her lender customers.
But don’t take our word for it. Here’s what one of Stephanie’s clients had to say about her:
“She KNOWS her stuff, and what she does not know she is able to
track down the get the answer in a timely fashion. She is always
available to help, and jumps in on those rare occasions when we
need something corrected or elevated.”
To begin working with the leader in the mortgage industry and/or consolidate your verification services with Credit Plus, contact Stephanie today.
Mobile: 781-799-2964
Email: [email protected]
Learn more at www.creditplus.com
BayCoast Mortgage, LLC is a full-service lender providing industry best solutions in residential purchase, refinance, renovation, and construction loans.Our product offering complements customers throughout the East Coast including FNMA, FHLMC, VA, FHA, Jumbo, MA Housing, RI Housing and BayCoast Portfolio. We lend in 14 states, with recent and upcoming expansions in Rhode Island that include Bristol, Cranston, Middletown, and Providence!
Being uniquely owned by BayCoast Bank, a community savings bank established in 1851, we have the flexibility to offer superior service, product mix, and pricing in a boutique feel that separates us from our big box competitors. We welcome the opportunity to complement any scenario with a commonsense approach, which is truly representative of our customer-centric mindset.
Our mission is to provide our clients with products and services tailored to meet their specific needs at the best rates possible, while providing the highest quality of customer service. We empower our employees by providing them with the tools, knowledge, and support in order to provide their clients with the quality of service they deserve.
BayCoast Mortgage prides itself in the high quality of the products and services provided to our customers. By consistently meeting and exceeding our clients’ needs, we strive to become the standard for excellence in the mortgage industry.
Visit us at www.baycoastmortgage.com or call 1(877)466- 2678 for more information.
Joseph Baptista, President of Anchor Financial Mortgage
There is little that Joseph Baptista hasn’t seen or done in the two-plus decades as the President and Owner of the Rhode Island-based Mortgage Company. Through the economy’s and housing market’s ups and downs, his company perseveres because of one principle: determination.
He credits his staff for the continued prosperity of the agency and adds their willingness to go the extra mile to ensure customer satisfaction that enables them to stand out.
“I like to say, ‘Teamwork Makes the Dream Work’. It’s the basis for what we do in helping people capitalize on their given situation—first time homeowners, military and first responders and even recent college graduates—among others. We find ways to tell customers ‘yes we can,’ when others say, ‘sorry, we can’t help you,’ Baptista said.
Anchor Financial Mortgage services most of New England, Florida and New York. They offer numerous programs and partner with local and nationwide lenders to offer incentives and opportunities that may not be otherwise available to consumers.
Baptista said he is proud of the many families he has helped financed over the years. He is particularly happy about those he helped who were denied assistance elsewhere. Joe said it comes from his tireless work ethic and seeing a positive conclusion.
Anchor Financial Mortgage is a full- service mortgage lender and broker offering every mortgage program available from 203k rehabilitation loans to RI Housing first-time homebuyer programs. “You need all the right tools in your toolbox” said Baptista. “In a world where everyone wants to just press a button and get a mortgage, we actually take the time to make sure we get you the best possible mortgage for your individual needs”.
Most importantly, he loves educating people on the benefits of home ownership.
“Why pay a landlord’s rent when you can own you own home?” Baptista often says. “Homeowners can build equity that can be used over time to improve the home or to be taken out to pay for a child’s education or other family needs. Purchasing a home is the single largest investment one can make. Getting pre-qualified is the most important first step in making that dream a reality.”
Joseph lives in Smithfield with his family and is involved with the Northern RI and Kent County Chamber of Commerce, BNI Founders Chapter Networking Group, RI Mortgage Bankers Association and other local organizations.
Anchor Financial Mortgage is located at One Lonsdale Avenue in Pawtucket off Route 95. They can be reached at 401-495-3100 and you can visit them on the web at www.AnchorFinancial.com
Province Mortgage Associates is Growing with the Hiring of New Processing Manager, Dawn Vacca!
Province Mortgage Associates is excited and proud to announce the hiring of Dawn Vacca as their new Processing Manager! With 2020 shaping up to be a record-setting year with company loan closings as of September already exceeding last year’s totals, the timing could not be better for a professional with her level of expertise to join the growing Province Team.
Over her 20+ year career, Dawn has experienced every aspect of mortgage lending from loan origination and management to DE underwriting and operations. A graduate of Cranston West High School and Community College of RI, she has lived in Rhode Island her entire life, and is excited to be a part of a company like Province Mortgage Associates, that has earned the reputation of being one of the most respected mortgage lenders based in the state.
“I was looking for a new challenge and a company where I could grow while using my skills in leadership and finance. Having worked in the RI mortgage industry for so long, it was impossible not to notice Province as they grew into the respected force in the market they are today. It just seems to be the perfect match!” Given Dawn’s knowledge and expertise, in addition to being a DE Underwriter, she is focused on assisting with all aspects of operations to ensure that the process from loan application to close is something that will continue to earn that 5 Star rating that people have come to expect from working with Province.
Most recently underwriting loans for Centerville Bank, this native Rhode Islander feels that she has found her new home and the President of Province Mortgage Associates, Dave Currie, could not agree more. “Dawn Vacca knows mortgage lending! She understands the intricacies of the entire process, but she also embraces the importance of supporting our people so we can continue to deliver outstanding service. We look forward to seeing what we can accomplish together.” Dawn is also an award-winning competitive shooter, and she resides in South County, RI.
Essent Guaranty, Inc. was founded in 2008 with the mission to bring a mortgage insurer with strong capital, investment-grade ratings, competitive pricing and transparent claims practices to the mortgage industry. Today, we are an industry leader and the mortgage insurance (MI) provider of choice for many lenders, loan officers and underwriters.
At Essent, we are more than MI. We invite you to look past the obvious to take advantage of tools and resources that are uniquely found with us, including:
MI, That’s Smart!
- EssentEDGE®: Get competitive rates on every loan when you quote our powerful risk-based pricing engine through Rate Finder, your LOS or pricing engine, as well as on our mobile app, EssentPRO.
- EssentIQ®: Create personalized loan scenarios to show homebuyers how they can buy with as little as 3% down. Customize the results with up to two contacts — a great cobranding opportunity with your referral partners!
- EssentENGAGE: Get insights and perspectives on a broad range of topics that are shaping our industry. From in-depth research to thought leadership webcasts, we offer resources to help you navigate your footprint in a highly competitive market.
- Essentials Training: Stay on top of your professional game with our free training classes and online tools. Whether you’re new to the industry or a seasoned professional, our Essentials training suite offers something for everyone.
Explore everything we have to offer at essent.us.
Have a question about Essent MI? I can help.
Mike Stevens
Account Manager, CT, MA, RI, VT
508.735.5920 | [email protected]
Underwriting: 877.330.353 | [email protected]
The Firm:
The Law Offices of Gregory J. Schadone, Ltd. is a small firm with offices located in the North Providence, RI and Dedham, MA. The firm was established in 1994 and has since continued to grow with a concentration in real estate conveyancing. Although much of the firm’s real estate practice involves real estate closings, the office also helps commercial and residential clients with many complex real estate issues. The firm represents buyers, sellers and lenders in all aspects of real estate transactions, including negotiating purchase and sales contracts, title examinations, zoning disputes and quiet title actions. The firm prides itself on providing exceptional service to all parties involved in the real estate transaction to assure the parties complete and total satisfaction. www.schadonelaw.com
The Attorneys:
Gregory J. Schadone
Attorney Schadone graduated from Boston College in 1989 and earned his law degree from New England School of Law in 1994. He is admitted to practice in Rhode Island, Massachusetts, Connecticut, New Hampshire and United States Supreme Court. [email protected]
David A Ursillo
Attorney Ursillo graduated from Rhode Island College in 1994 and earned his law degree from Ohio Northern Petite College of Law in 1997. He is admitted to practice in Rhode Island, Massachusetts and South Carolina. [email protected]
Chelsea Battinger
Attorney Battinger graduated from West Virginia University in 2012 and earned her law degree from Roger Williams School of Law in 2015. She is admitted to practice in Rhode Island and Massachusetts. [email protected]
Anthony M. Gallone, Jr. (of counsel)
Attorney Gallone graduated from Boston University in 1990 and earned his law degree from University of Miami School of Law in 1993. He is admitted to practice in Rhode Island and Florida. [email protected]
Jamie Gau
Attorney Jamie Gau graduated from St. John’s University in 2013 and earned her law degree from Roger Williams Law School in 2016. She is admitted to practice in Rhode Island and Massachusetts. [email protected]
Contact:
7 Waterman Avenue
North Providence, RI 02911
- (401) 232-4000
- (401) 232-2555
3 Allied Drive, Suite 303
Dedham, MA 02026
- (508) 952-2262
- (844) 430-9756
CHART A NEW PATH TO WAREHOUSE LENDING.
Our story begins in 2004 when Coastal States Bank first opened its doors in Hilton Head Island, South Carolina as southern Beaufort County’s only locally owned bank. We recently expanded to the Atlanta and Savannah markets and continue to grow, serving communities across the country through GGL, Senior Housing and MBF lines of business.
At Coastal States Bank, we know finding the right mortgage warehouse lender to partner with is a key to your success and we are confident we have the solution you have been looking for. Whether you are looking for increased capacity or establishing your very first warehouse line, we can help! Our mortgage warehouse offering features lower funding fees, competitive cost of funds and the excellent customer service you expect from a Warehouse Lending team. At Coastal States Bank, it’s more than a relationship- it’s a partnership!
Key Features
- No Warehouse Application Fee
- Competitive Funding Fee with no hidden costs
- Negotiable terms
- Net Worth as low as $75,000
- Pledge Account starting at $5,000
- Funding Options, 100% or 99% of the Note Amount
- Non-captive with 25+ approved investors
- Free Note Shipment to Investors
- Same Day Settlements-Subject to Purchase Advise & Matching Investor Wire
- Same Day Funding
- Easy to use-online warehouse system
- Online Reporting, Loan Level Accounting, Aged Inventory, Payoff Histories
Sue Anderson
AVP, Warehouse Relationship Manager
Mortgage Banker Finance Division
Office: (860) 402-8337
Pilgrim Title Insurance Company has been providing professional, responsive and accurate residential and commercial closing, escrow and title insurance services to homeowners, lenders, developers and other attorneys across RI for more than 20 years.
While always striving to excel in the time-honored standards or delivering exceptional customer satisfaction through superior, personalized service and noted expertise, Pilgrim is also an innovator, blending the best of modern technology with these classic approaches. Pilgrim pioneered the remote closing process in Rhode Island, providing safe efficient closings in these unique times. Our Post-Close Digital Closing Package provides ongoing marketing for associates. Pilgrim Title also creates educational materials for homebuyers and agents, through the portal character “TOD” (Title on Demand). TOD can be found on Facebook, Linkedin and Instagram.
Pilgrim operates five offices, located in East Providence, Barrington, Wakefield. Narragansett and Celebration, Florida (Pilgrim Title & Closing Services).
Pilgrim Title Attorneys are admitted to practice in Rhode Island, Connecticut, Massachusetts and Florida. Several Pilgrim Attorneys are also licensed title agents in New Hampshire. With eight Rhode Island attorneys on staff, you are assured a highly skilled attorney is reviewing the title and all legal documents, and will conduct your Rhode Island closing.
The team at Pilgrim are also recognized industry experts and thought leaders. Partners of the firm regularly speak at events for The American Land Title Association, The American Wind Energy Association, the Rhode Island Bar Association, ICSC and the Rhode Island Association of Realtors. In addition, Pilgrim’s attorneys regularly publish timely and informative articles in trade publications and on the company’s social media platforms.
For more information, call 401-274-9100 or visit www.PilgrimTitle.com. More details about the Digital Closing Package can be found at www.PilgrimTitle.com and www.digitalclosingpackage.net.
FRANKLIN AMERICAN MORTGAGE – HELPING OUR PARTNERS ACHIEVE THEIR GOALS
Isn’t it time that you partnered with a Wholesale lender that’s invested in you? For over 25 years, Franklin American Mortgage has been committed to providing customer service and support that is unmatched in the industry. As part of the Citizens Bank family, we have financial strength and stability you can count on, as well as all these other reasons we “check all the boxes” you’re looking for in a lending partner:
- Strength – As the largest “bank-owned” wholesale lender, we’re backed by Citizens Bank’s $165B in assets.
- Non-Solicitation – We won’t solicit our active partners’ customers with any mortgage-related marketing or sales messaging. Period.
- Servicing – Citizens Bank’s mortgage servicing team was recently ranked #4 in a national customer service satisfaction report. By retaining your borrowers’ servicing, we’ll help you take care of their needs for life. Additionally, we offer options for netting escrows for refi’s, recasting loans, and dropping mortgage insurance.
- Loyalty Rewards – Our loyalty program, designed to give our top customers reduced fees and priority service.
- Support – With on-site account executives and an inside sales support team, we’re ready to help you close more loans.
- Emerging Mortgage Banker – Our Emerging Mortgage Banker (mini-correspondent) program allows you to choose the services you want:
- You can control the appraisal ordering process or we’ll do it for you
- You can order tax transcripts at our expense or we’ll order them for you
- You can control closing docs, or we’ll prepare them in your name for free
- Online Disclosures – For our broker customers, we offer simple online disclosures that include all state and federal forms.
- Pre-Approval Loans – Our fully underwritten pre-approved loans on TBD (to be determined) properties allow you to meet realtor and seller demands.
- Reduced Fees – New customers or inactive loan officers get reduced fees to help you win more borrowers.
- Enhanced Pricing – New bank offerings on the way, including CRA and HELOC!
If Franklin American Mortgage sounds like the lending partner you’ve been looking for, contact me today!
Andrea Franko
Account Executive
Franklin American Mortgage Company, a Division of Citizens Bank, N.A.
6100 Tower Circle
Suite 600
Franklin, TN 37076
Cell: 860-803-2960
Email: [email protected]
Web: www.franklinamerican.com
Liberty Title & Escrow Company, LLC, a wholly owned direct subsidiary of Fidelity National Financial, Inc., is your local provider of nationwide title and settlement services, who can handle the most complex transactional needs, while still maintaining high levels of personal service. We offer residential and commercial services for all transaction types, including purchase, refinance, equity lines, and bank owned real estate. On every file, our pledge is fast, detailed, and personal attention, along with a commitment to facilitating closings that are convenient for your customer. We can close anywhere at any time. Moreover, you will have singular access to your Liberty point of contact, if there are any questions or concerns throughout the closing process.
We know real estate is a difficult industry, with many areas that require synchronized effort. We have a proficient team and Account Executive that is fluent in Spanish. Sharon Zickendrath is on the board of National Association of Hispanic Realtors/Providence Chapter and the Co- Chair of the Young Mortgage Professionals committee. Experienced in facilitating each closing transaction, she insures a smooth closing.
Timing is crucial and simply getting the details right can make or break any deal. With a proven track record since 1997, you can count on Liberty Title professionals for clean titles and settlements done right, every time, when you need them.
To learn more about what Liberty can do for you please contact our bilingual Account Executive:
Sharon Zickendrath*
Account Executive
[email protected] / 401.714.8836
www.libtitle.com / (*Fluent in Spanish)
In 1998, Texas Capital Bank was founded in Dallas, Texas, to serve businesses and the people who build them. Today, we’ve grown into a $30+ billion company, but our focus on delivering highly personalized financial services hasn’t changed.
- Top 100 FDIC banks in the U.S. by asset size
- Top 3 Warehouse provider
- Ranked in Forbes List of Best Banks in America
- Top 20 Mortgage Aggregator
HOW WE CAN HELP YOU
Texas Capital Bank is committed to the mortgage finance industry, and we’ve expanded our offerings to better serve our clients. Our Correspondent Lending group, established in 2015, leverages experience, streamlined processes, and customized technology to purchase loans while enhancing our clients’ profitability. We offer:
- A full eMortgage process
- A Bank and Buy program that allows for additional liquidity
- A dedicated Client Services Team to support our clients
- Local sales executive who knows the New England Market
Our team purchases a comprehensive array of loan types in all 50 states. These include:
- Bulk Mandatory, Single Loan Mandator, and Best Efforts
- Purchase of eNotes and use of Remote Online Notary (where legally applicable)
- Conventional products, including Home Ready, Home Possible, and FNMA Single Close
- Enhanced delivery options (SFTP)
CONTACT US
To learn what we can do for your business, please contact:
Robert Favicchio, VP, Regional Sales Manager, Correspondent Lending
401-556-5555 [email protected]
Tim Gilbert, VP, Relationship Manager, Warehouse Lending
908-601-7695 [email protected]
Tom Juliano
VP, Regional Sale Executive
Wells Fargo Funding
For more than 25 years, Wells Fargo Funding has been a leader in providing mortgage originators with innovative products and programs, backed by professional service. Tom Juliano, Regional Sales Executive for the Empire State / New England Region, approaches every relationship with the desire to help build their book of business. That means that he’s focused beyond just finding the right product for your borrowers, but also on providing you with educational opportunities, and business development support that can benefit you over the long term.
With Tom and Wells Fargo Funding you’ll find:
- Reliable, personal service
- A variety of products and services to meet borrower needs
- Decades of industry leadership and knowledge
- Commitment to serving diverse communities
- Investment in your success with technology to benefit your business
Whether you’re an independent mortgage banker looking for excellent products for your customers or a bank or credit union in need of specialty products to supplement your existing offerings to meet a specific need, Tom has the expertise and service to help you.
Contact him at 609-693-9045 or [email protected]. You’ll also find more information at wellsfargofunding.com.
THE FACES OF
RESIDENTIAL MORTGAGE SERVICES
Warwick, RI Team
Anne Horvath, Branch Manager, NMLS# 21445
Ashley Borden, Sales Manager, NMLS# 16411
Bill Huggins, Loan Officer, NMLS# 21452
Kim Jillson, Loan Officer, NMLS# 80137
Margy Thurber, Loan Officer, NMLS# 270542
Vicki Larson, Loan Officer, NMLS# 186700
Mike Amaro, Loan Officer, NMLS# 146076
David Bottone, Loan Officer, NMLS# 16414
David Johansen, Loan Officer, NMLS# 22078
Lauren Horvath, Loan Officer, NMLS# 1851835
Lincoln, RI Team
Scott Lacey, National Renovation Manager, NMLS# 8154
George Pedro, Sales Manager, NMLS#21517
The Rhode Island team of Residential Mortgage Services (RMS), with over 150 combined years of experience, is committed to making your home financing experience as simple, straightforward and personable as possible.
RMS is a direct lender with a full spectrum of integrated loan processing, underwriting and direct funding – all under one roof! Whether you’re looking to purchase a new home or refinance, the mortgage experts at RMS can help you find the option that’s right for you: Conventional, Jumbo, FHA/VA/USDA, Renovation and Rhode Island Housing loans. Not only does RMS hold the #3 spot for RIHousing’s Top Lenders but, two member of our team, Ashley Borden (#3) and George Pedro (#7), also hold standings in RIHousing’s 2019 Top 10 Loan Officers.
The dedicated Loan Officers and incredible support staff at RMS take great pride in understanding each borrower’s unique needs and doing everything possible to support and guide them through each step in the home financing process. Our team is working harder than ever and it’s working! RMS earned a 95% Overall Customer Satisfaction rating during Q1 of 2020 – a Top 5 Best-in-Class ranking on a national level!* Our team is committed to being lifetime mortgage professionals, ready to assist you at any point in the future. Fast, friendly, focused – that’s how RMS guides you home.
100 Jefferson Boulevard, Warwick, RI 02888, 401-228-8558, www.RMSmortgage.com/Warwick
14 Breakneck Hill Road, Unit #LL1 Lincoln, RI 02865, 401-214-4715, www.RMSmortgage.com/Lincoln
For information purposes only and is not a commitment to lend. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation, acceptable appraisal, and market conditions. Not all programs available in all areas. Residential Mortgage Services, Inc. is a Maine Corporation headquartered at 24 Christopher Toppi Drive, South Portland, ME 04106. NMLS#1760; www.nmlsconsumeraccess.org; Mortgage Lender/Broker, VA Corp. Commission #MC-5816; CT Mortgage Lender License ML-1760; Delaware License #017813, Expires on 12/31/2020; Operating as RMS Mortgage Inc. in FL, FL Mortgage Lender License #MLD232; MA Mortgage Lender License #MC1760; MA Mortgage Broker License #MC1760; ME Supervised Lender License #SLM253; NH Mortgage Banker License #8816-MB; Licensed Mortgage Banker- NYS Department of Financial Services; PA Licensed Mortgage Lender #44857; RI Lender License; RI Loan Broker License; Equal Housing Opportunity *Based on Q1 2020 MortgageSat Borrower Satisfaction Program Results
For over 191 years, Centreville Bank has been building relationships in New England.
As an independent mutual institution and one of the highest-capitalized community banks in the country, we remain committed to our customers and have both the financial strength and stability to ensure that we can serve our communities for generations to come.
Our steady growth, including our recent acquisition of Putnam Bank in Eastern Connecticut and multiple new Rhode Island offices opening in 2020, is a testament to the soundness of our approach and you can remain confident that we will continue to conduct business from the strategic and community-focused standpoint that has always defined our organization.
Local Experience, Local Expertise, Local Understanding
Whether it’s a purchase or refinance, renovation or construction, our lending team provides guidance and support through every step of the process with low closing costs, competitive rates, fast turnaround time, and 100% local loan servicing.
- Fixed & Adjustable Rate Mortgages (Conventional and Non-Conventional)
- FHA, VA & USDA Loans
- Construction-to-Permanent & Rehab Loans
- First Time Home Buyer Products with down payment and closing cost assistance
- Home Equity Loans & Lines of Credit
We also offer a variety of specialty lending programs along with a complete range of personal, business and commercial banking products to meet your needs.
To learn more, contact a member of our Mortgage Lending Team today!
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VP, Regional 401.265.6014 NMLS# 111938 |
Mortgage Loan Originator 401.559.9006 NMLS# 712093 |
AVP, Mortgage Loan Originator 401.265.5825 NMLS# 83776 |
Mortgage Loan Originator 401.263.4118 NMLS# 1207936 |
Mortgage Loan Originator 860.963.4953 NMLS# 759924 |
| Member FDIC Equal Housing Lender NMLS# 402947 | ||||
Flagstar Bank has been committed to the mortgage space for over 30 years, weathering all kinds of market conditions and building tech-forward solutions with our clients’ integrity always top of mind. That’s the power of the Human Interest Rate.™
A well-capitalized bank with more than $26.8 billion in assets, Flagstar is the sixth largest bank mortgage originator1 and a top 10 TPO lender. Our best practices in loan servicing have earned five consecutive Fannie Mae Servicer Total Achievement and Reward™ (STAR™) Servicing Awards.
How Flagstar puts you ahead of the competition
- Powerful technology featuring DIY disclosures and better pipeline management
- Expansive product set
- Direct access to Flagstar sales support and operations
- Opportunity to participate in our lead partner program
Let Flagstar deliver for you.
Choose a lender that understands your business. Contact me to learn more.
Ann-Marie Copland
Flagstar Bank, FSB
Vice President, Correspondent and Wholesale Senior Account Executive
Northeast Region
New England
(617) 571-2395
EQUAL HOUSING LENDER | MEMBER FDIC
1 Inside Mortgage Finance, 12M 2019
Arch MI is the best MI partner for mortgage lenders. Highly rated and backed by a strong capital base, we lead the industry in financial strength, technological innovation and attentive customer service. We’re committed to developing unique MI solutions that expand origination opportunities while reducing risk exposure. With Arch MI, you can differentiate your business and compete successfully in a challenging environment.
Customize Lower Monthly Premium with RateStar Buydown
With Arch MI, you automatically receive our most competitive pricing through our streamlined RateStarSM portal at archmiratestar.com. For more than a decade, it’s been the preferred risk-based MI pricing solution for lenders and it’s also where you can access the industry’s only MI buydown tool.
Use RateStar BuydownSM to create a custom MI payment that meets your borrower’s budget. The easy-to-use slider tool allows you to experiment with upfront and monthly amounts as you buy down the MI to arrive at the right combination — one your competitors can’t match. RateStar Buydown also allows you to leverage all available seller, lender and Realtor® credits to deliver the lowest MI payment possible to your borrower.
Originate More Loans with AMGC
Arch Mortgage Guaranty Company (AMGC), the industry’s highest-rated MI company, supports portfolio lending by providing flexible coverage for a wider range of mortgages, including:
- Jumbos
- Loans intended for private securitization.
- Non-Qualified Mortgage loans.
- Structured MI solutions supporting customers participating in mortgage credit risk transactions.
You can lower your risk exposure and discover new opportunities — like increased cash flow — with AMGC’s credit loss protection on prime, standard and non-standard qualifying loans, complete with Day One rescission relief. Learn more at archmi.com/amgc.
Plus Support for Your Business …
Short-staffed or overwhelmed by volume? Outsource your MI underwriting questions to our experts and get an answer in one hour or less. Our free ASK Arch MI service is available at ask.archmi.com and features a Knowledge Base of previously requested scenarios that you can also access to speed up processing time.
We also offer contract underwriting services to improve your efficiencies and handle peak times.
Keep your team on track with Arch MI’s complimentary online webinars and on-demand videos — the easy way to stay current on valuable loan processing and underwriting skills. We also offer on-site training for business development and sales learning. See the options at archmi.com/training.
… and Unique Industry Viewpoints
Arch MI’s in-house experts are among the nation’s best. Visit our Insights platform at insights.archmi.com to read analysis you won’t find elsewhere on the industry. Our blog and video posts cover diverse topics ranging from new strategies that drive more business to coaching on personal and professional development. You can also listen at your own convenience to our Insights podcasts, now available for streaming to your device.
Best of all, Arch MI is available everywhere! Check out our solutions at archmi.com or at our special website for loan originators, lo.archmi.com. Insure your loans via CONNECT, our easy online platform, or your own loan origination system. Download our mobile app to your phone for those times you’re out of the office and want a quote fast. Discover Arch MI on Alexa, too — the hands-free way to contact your Account Manager, ask Customer Service a question or get a RateStar rate quote.
Arch MI: Built on a Foundation of Strength
In uncertain times, your MI partner really matters. Arch MI is the counterparty you can rely on, the only insurer with an “A” rating from both Standard & Poor’s and Moody’s. We’re backed by a strong parent company, with unmatched capital resources, risk expertise that focuses on the long term and real-world experience managing through change. Learn more at archmi.com/counterpartystrength.
For more information, contact:
Lauren Geary
Account Manager — CT and RI
203-915-6990
[email protected]
Arch Mortgage Insurance Company | ARCH MORTGAGE GUARANTY COMPANY | 230 NORTH Elm StREET Greensboro NC 27401 | ARCHMI.COM MCUS-B291-0420
© 2020 Arch Mortgage Insurance Company. All Rights Reserved. Arch MI is a marketing term for Arch Mortgage Insurance Company, Arch Mortgage Guaranty Company, United Guaranty Residential Insurance Company and United Guaranty Services, Inc. RateStar and RateStar Buydown are service marks of Arch Capital Group (U.S.) Inc. or its affiliates. Realtor is a registered mark of the National Association of REALTORS. Amazon, Alexa and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
Carey Buckley from Radian Guaranty
At Radian, we’re helping you ensure the American Dream in even bigger and better ways with a comprehensive suite of mortgage, real estate, title and risk services. It’s all in addition to our industry leading mortgage insurance products and programs. And it’s all about turning today’s challenges into tomorrow’s opportunities.
Do you see what we see? Learn more at radian.com or contact Carey:
Carey Buckley
Senior Account Manager
860.302.7776 | [email protected]
4 Good Reasons to Work with MGIC Today
As the founder of modern private mortgage insurance, we take pride in remaining one of the premier MI providers. Throughout our 63 years of business, we’ve dedicated ourselves to providing you with competitive rates, amazing customer service and the resources you need to grow loan originations.
While there are many great reasons to partner with us, 4 specific reasons stand out today:
- Get the servicing answers you need now
During these uncertain times, we know you’ve experienced a dramatic increase in calls from your borrowers concerned about their mortgages. To provide clarity and help you to answer all their questions, we prepared a recorded webinar about default servicing MI-insured loans.
In addition to our servicing webinar, we provide a unique resource in the MI industry: Dedicated Servicing Relationship Managers (SRMs) who can support you with all your servicing questions and needs.
- Build your brand
With social distancing, engaging with customers is challenging. We can help you overcome this and stay top of mind through social media. Our Social Media Café provides tools and curated content so you can build your social presence, expand your brand awareness and sustain a social media marketing program.
- Entice referring partners
It’s more important than ever to reach out to your referring partners to generate leads. We can help you with tools like our Creative Café, which offers ready-made, customizable content for marketing to real estate agents and builders.
You can also get loads of content and ideas from our Loan Officer Hub website, an all-inclusive resource for loan officers, that offers referral and marketing strategies, tips and programs to grow your business.
- Take advantage of a great asset – Laurie Souza
As your Rhode Island Account Manager, Laurie can be a valuable resource, helping to build your business. Her background includes over 25 years of retail, wholesale and correspondent lending experience, and she’s experienced in conventional, government, jumbo, portfolio, renovation and construction lending.
Reach out to Laurie to learn about all the other reasons why you should work with us!
Laurie Souza
Account Manager – Massachusetts, Rhode Island
Mortgage Guaranty Insurance Corporation
270 E. Kilbourn Avenue
Milwaukee, WI 53223
781-820-4931 (mobile)
www.mgic.com | [email protected]
Stay Connected: LinkedIn | Twitter | Facebook Google+ | YouTube | MGIC Connects Blog
Founded in Parsippany, NJ in 1999, Atlantic Home Loans, Inc. built a foundation of mortgage lending based on the passion to provide the people in our communities with a home of their own to build and share memories. Our Rhode Island locations are filled with some of the best leaders in the industry, with some having over 30 years of experience in the mortgage industry. With full in-house processing staff, the support we are able to give all our referral partners and customers creates a remarkable experience that is highly valued.
AHL has been recognized by Executive Mortgage Magazine for the past five consecutive years as a Top 100 Mortgage Company in America. This is owed to the personal bonds our staff build with each customer, or as we say, “each new member of the AHL Family”.
Atlantic Home Loans, Inc. has also been recognized as a 50 Best Company to Work For by Mortgage Executive Magazine. AHL has a strong company culture, one that recognizes the importance of a healthy professional and family life balance. Employees engage constantly in thanking and congratulating others on jobs well done, and boost confidence with unending moral support.
Something that sets AHL apart from many other companies is, as a technology driven paperless company, we have implemented systems that allow us to keep working efficiently through any obstacles the industry and world throw at us. Our entire AHL Team has the capability to conduct face-to-face meetings via video conference, phone, and email. We have the ability to “co-pilot” online mortgage applications – allowing us to walk customers through every step of the application process at their convenience in real time.
Our involvement with others extends past our doors. Atlantic Home Loans, Inc. is a proud member of a multitude of groups within our communities, including the Kent/Washington Board of Realtors, Greater Providence Board of Realtors, Northern RI Board of Realtor, and of course, proud RIMBA members! We’d like to thank everyone in our communities for their support and the opportunity to build such great, long-lasting relationships with every referral partner and customer we work with.
Kriss Law, LLC/Atlantic Closing & Escrow is one of the nation’s largest residential closing firms. Founded in 2004, the company has grown through a commitment to service, price, and partnership with our Realtor and lender clients.
Throughout the company’s growth, we have maintained a small firm feel while offering the resources of a larger organization by strictly adhering to our “One Point of Contact System.” In all transactions, buyers, sellers, Realtors, and lenders deal with one central point of contact. This avoids confusion and helps our clients to form long-lasting relationships with our staff.
Kriss Law/Atlantic attorneys are available 7 days a week and after normal business hours. We have an attorney on call each weekend to meet any of our clients’ needs that may arise. For each weekend’s on call attorney, please visit our Facebook Page at: www.facebook.com/krisslawatlanticclosings/ or follow us on Instagram @krisslawatlantic.
Especially during these times of unparalleled uncertainty, we encourage all real estate industry professionals to visit our website and social media feeds often for updates on issues and developments affecting lenders Realtors. We take pride in being a great resource to our clients as the pandemic progresses.
At Kriss Law/Atlantic, we are always happy to travel anywhere at anytime to help make the closing experience a good one for our clients. Whether it is a borrower’s home, Realtor’s office, or even an airport in California, we will make it convenient for our clientele.
In addition to our service model, Kriss Law/Atlantic has forged a unique bond with the Realtor community via our Continuing Education Program. Since its inception in 2005, the Program has provided informative and interesting opportunities to earn credits toward license renewal for over 100,000 Realtors in New England and beyond. Our lender partners participate in the Program as well and hundreds of mutually beneficial mortgage/Realtor relationships have resulted.
While Kriss Law/Atlantic has been named Banker & Tradesman’s Best New England Closing Attorney and Title Company several times, we conduct real estate transactions in all 50 States and have many offices up and down the Eastern Seaboard.
Locally, our Rhode Island office at 10 Dorrance Street in Providence, has long served the Ocean State’s real estate community.
To schedule a Realtor continuing education event, easily obtain a fee quote from our online calculator, or read more about the firm in general, please visit us at www.krisslawatlantic.com.
We are always interested in speaking with anyone in the real estate industry about new, exciting, or outside-of-the-box ideas that may help to generate new business. Please contact us at [email protected] to schedule a meeting.
Personal and Company History
The Mortgage Corner® of New England is a licensed mortgage broker in Massachusetts and Rhode Island offering a full selection of mortgage products represented by many national mortgage lenders. President Jeff Desrosiers and Senior Vice-President Tom Foley have a combined 68 years of mortgage experience. Jeff & Tom started working together at Old Stone Bank in 1984.
Jeff left Old Stone Bank in 1992 to start mortgage operations at AAA Southern New England. Serving AAA’s local 2.3 million members in Rhode Island and Massachusetts he lead AAA into the mortgage business. He became Vice President of Financial Services adding auto loans, credit cards and all other financial products under his direction including the formation of AAA Bank in 2000. In September of 2001 he left AAA to open his own mortgage company The Mortgage Corner® of New England where he is today.
Upon Old Stone Bank closing Tom started his own company with New England Pacific Mortgage in 1994. Joining forces with many former Old Stone employees Tom lead a group of mortgage professionals into a successful mortgage company.
Jeff & Tom stayed in communication during their years apart and in 2009 decided to team up again at Mortgage Corner® of New England. The mortgage meltdown of 2008 caused many mortgage professionals to leave mortgage brokers and join banks or large mortgage companies. The Mortgage Corner® of New England has not only survived but thrived as one of the few mortgage brokers remaining in Rhode Island.
How we work
Our independence and network of lenders allows us to service our clients and maximize the mortgage programs we can offer them. We are not limited to one lenders rates and programs. We have many lenders to provide options for our clients. Out national lenders give us the power to offer great rates and turnaround time while our local lenders allow us to offer non-conforming loans such as construction loans or rehab mortgages. We were the first mortgage broker allowed to do business with Rhode Island Housing & Mortgage Finance Corporation and continue to offer their amazing programs today.
We are located in Warwick, RI central to the state. We still believe in local face to face service allowing us to meet our clients at their convenience. Our goal is to create lasting relationships with our customers by providing them with the mortgage product that best suits their financial need at the best interest rate available.
For more information on The Mortgage Corner of New England visit:
Avantus, a Rhode Island based locally owned and operated company has been providing customized mortgage credit reports, mortgage settlement services and technology solutions to the financial community for over 75 years. In that time we have remained focused on our mission to provide our partners with the proper tools to grow their business, stay compliant, and close more loans!
Technology is a core competency. The Avantus system was created in house, by our own development team, and continues to evolve to meet ever-changing market conditions. This ability to provide custom enhancements based on a customer’s specific needs allows Avantus to provide a service level and flexibility that other reporting companies are simply unable to match.
In fact, other national reporting companies also use the Avantus platform. As one of only 12 direct Fannie Mae providers, we support thousands of end users on a daily basis.
Aside from our credit reports Avantus offers a complete line of ancillary lending products and services such as Automated Decision Engines, Credit Score Improvement Tools, Mortgage Fraud Reports, Verification Services, and a free automated on-line application service “Startmyapplication.com.” This must have tool will empower your borrowers, engage realtors, and power-up your referral partnerships all while allowing you to eliminate your upfront credit costs.
Service separates us from the competition. The front-line service staff at Avantus is frequently mentioned as the most knowledgeable in the industry by originators with experience using multiple credit vendors. This is the direct result of our focus on retaining experienced employees. The average customer service or technical support staff member at Avantus has well over 20 years’ experience in the industry; dealing directly with credit reporting issues, tradeline updates, verifications, and credit scoring. Many times, these experienced professionals have been the difference between closing a difficult loan and losing one.
Since 1998 the daily operation of the Avantus Warwick, RI operation center has been overseen by Paul DeCoste. Paul is committed to providing a professional consultative approach focused on assisting clients with new customer acquisition and retention, compliance issues, and overall increased operational efficiencies
Whether you are a small or large organization, local or national we at Avantus can assist. Let us show you how we can help you succeed!
For more information please contact:
Paul DeCoste
Regional Sales Director
Office: 800-243-0120 extension 137
Cell: 508-789-6240
Connect with Avantus –
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Law Office of Cara B. Conaty, LLC
Cara Conaty, of the Law Office of Cara B. Conaty, LLC is an attorney who concentrates in Commercial and Residential Real Estate Transactions, Wills & Trusts, and Simple Estate Planning. Cara has been providing services to mortgage brokers, banks, financial planners, businesses, and homeowners for over 14 years. Her firm believes that prompt and personal attention always matter. Cara has strived to provide the highest quality of legal services and treats her clients with respect and courtesy. Her tag line, “Closings that open new relationships”, keeps her clients and referrals coming back year after year. Cara is a member of the Rhode Island and the Massachusetts Bar Associations. Cara has a B.A. in Communications, Minors in Law and Business Administration from the University of New Hampshire and a J.D. from the Roger Williams University School of Law. Cara is available 7 days a week and after normal business hours. She closes loans anywhere that is convenient for the client.
Real Estate
Commercial Real Estate
We represent purchasers, sellers, and lenders for commercial real estate transactions, as well as draft and review commercial contracts.
Residential Real Estate
We understand the importance of getting things done in a timely manner, so we will happily work around your schedule.
- Purchase & Sales Agreements
- Settlement Documents
- Deeds, Mortgages and Notes
- Rental Agreements
- LLC and Corporate Formations
- Sale by Owner Transactions
- Title Insurance Policies
- Bills of Sale and Leases
- Title Examinations
- SBA Approved Closing Attorney
Wills, Trusts and Estate Planning
We ensure our clients feel comfortable discussing all concerns so that informed decisions can be made.
- Last Wills/ Living Wills
- Trusts
- Powers of Attorney
- Successor Trustee Duties
- Life Estate Deeds
Attorney Cara Conaty
Law Office of Cara B. Conaty, LLC
300 Centerville Road
Summit West – Suite 202
Warwick, RI 02886
P: 401/921-2447
F: 401/921-4484
Embrace Northeast: Here We Grow
Embrace Home Loans has been growing exponentially in the Northeast, and we’re pleased to share some details about our continued success.
Our regional growth in 2019 includes:
- 13 new hires
- 4 new offices
- Southington
- Wakefield
- Scituate
- Fairhaven
Last year, we enjoyed record sales volume with an 80% increase over 2018 in closed volume. We maintained a 74% purchase percentage and our retention rate was 15% higher than the industry average.
Our record sales were due in part to our exceptional products. Embrace is always coming up with new offerings to make us stand out and help our customers more easily get into the home of their dreams. Some of our new proprietary products include Jumbo loans, underwritten in-house for up to 2.5M; Doc-Lite loans, which require little paperwork for investment properties; and our No Down Payment Program, which helps customers with their closing costs.
Embrace’s recent addition of Total Expert has been successful from the start. This powerful co-marketing tool allows REALTORS® to create marketing collateral, single property websites to promote their newest listings, and lead capture apps to increase their market share with ease. It’s just one more way that we work to strengthen our relationships and our business.
Embrace has been in business for 36 years. We have over 600 employees, and a national presence in 48 states while still offering local expertise. We truly care about our employees as much as we care about our customers. Embrace has been recognized seven times by Fortune Magazine as a Top 25 Medium-Sized Company to Work for in America, and has a 98% customer satisfaction rating. It’s easy to see why Embrace has become one of the nation’s top full-service mortgage lenders.
We look forward to an even more successful 2020, and welcome loan officers and branch members to join our ever-growing team.
To learn more, visit www.embracehomeloans.com/recruiting
Fisher Appraisal Services is a full-serve real estate appraisal company, founded in 2006 by Paul Fisher. Centrally located in northern Providence County, we have a full staff of appraisers covering Rhode Island, Connecticut and all of Massachusetts (including the Cape and the islands).
Our highly qualified and experienced appraisers, along with our investment in technology, provide the highest-quality appraisal reports with a turnaround time that meets your needs.
Our appraisers are very familiar with their own “territory”… We all know what happens when you send an appraiser from Boston to Block Island, or from Connecticut to Brookline! By using only the most qualified and locally familiar appraisers, we are able to provide reports that are the most accurate and complete, avoiding costly delays and revisions.
Our services include appraisals for single-family and multi-family residential property, as well as some commercial uses. We offer reports for traditional FNMA mortgages, as well as equity loans and PMI removal. We have FHA-certified appraisers, fully familiar with the unique requirements of government-insured loans, and are experts in appraisals for the construction loan process. Our team can service legal and financial professionals with appraisals for divorce or estate purposes. We also specialize in custom appraisals for investment planning and portfolio lending, and offer pre-listing services so that real estate professionals and home owners can sell with confidence.
We are familiar with all of the most current electronic ordering and delivery systems, to streamline and simplify your processing. And your phone calls are always answered promptly and personally by the owner, Paul Fisher.
Paul Fisher
President
Fisher Appraisal Services Inc
(781) 603-5542 Phone
(781) 241-0397 Efax
www.fisherappraisalservices.com
Secure. Comply. Save.
Compass IT Compliance, LLC is an IT security, audit, and compliance firm headquartered in North Providence, Rhode Island. We work with organizations of all sizes in a variety of vertical markets to help them secure the sensitive data that they possess, comply with the various federal, state, and industry regulations required to conduct business, and save time, money, and resources in the process. Our IT Auditors and Security Professionals carry industry leading certifications and bring with them decades of experience in nearly all industries.
We are passionate about providing our clients with the highest level of service possible. Our Account Managers and Audit / Security Professionals carry smaller workloads in order to devote more time and effort to each individual engagement. Compass IT Compliance has been named as one of the Best Places to Work in Rhode Island for the past 3 years. We believe a happy team goes hand in hand with a happy client!
Our goal is to not only assist our clients in mitigating their overall risk of a breach but to educate them on the changing cybersecurity threat landscape and keeping them informed of changes to the various federal, state, and industry regulations they must comply with. Data breaches and ransomware attacks are on the rise and costing organizations millions of dollars. Our team speaks at conferences and tradeshows across the country on these critical topics, and we also host workshops and conferences to spread awareness throughout the cybersecurity and compliance community. Please feel free to contact us with any questions or concerns regarding your IT security and compliance environment!
Compass IT Compliance
2 Asylum Road
North Providence, RI 02904
(401) 353-3024
Relay For Life Training
Our friendly and knowledgeable team members live in the local community and are ready to help you and your clients navigate insurance decisions. We operate with three principles:
- To provide protection for the families of our community, while treating them as a neighbor, not a number.
- Make our world a better place by supporting education, charities, and youth activities.
- Enjoy life.
As an Independent Agent, we offer choice of multiple insurance companies, coverages, discounts, and options. Our focus is to match the insurance program with individual needs.
Let us help you with a smooth closing process!
Nancy Mendizabal and David Brush
[email protected] [email protected]
Apple Valley Insurance
528 Putnam Pike
Greenville, RI 02828
(401) 949-0559
AUTO – HOME – BUSINESS – LIFE – HOME BUYER DISCOUNTS
Topouzis & Associates, P.C. is a boutique real estate law firm where the customer and client have always come first. We strive to provide top notch customer service combined with high level professional real estate conveyancing.
The firm has offices in Warwick, Rhode Island and Miami, Florida. In addition to being licensed in Rhode Island and Florida, Mr. Topouzis is also licensed in Massachusetts, the District of Columbia, New York and New Jersey.
The firm has four attorneys and a support staff that provides exemplary services in these markets with years of experience.
Our concentration is in real estate transactional work with an emphasis on both residential and commercial closing transactions.
The firm represents buyers, sellers, lenders as well as the real estate agents working with these parties on all aspects of the transaction, including but not limited to the negotiation and drafting of the purchase and sales agreements, conducting title examinations, and performing title curative functions. We have access to technology and resources that set us apart from all other firms. Given the opportunity, we strive to achieve excellence.
We are not the typical firm that works 9 to 5. Rather we here at Topouzis & Associates, P.C. are very accommodating in meeting the needs of all parties involved in every transaction. The parties do not have to come to our office to close. We are happy to provide flexibility in closing the transaction where it is most convenient for the parties involved.
Additionally, we believe that communication is crucial on these transactions. As such, we are accessible by phone, email and even cell phone because we have all had transactions were an issue arises after hours and there is an immediate need for a helping hand.
If you have a buyer or borrower who needs to close on a purchase or refinance, give us a call. We are the partner in the process who you would expect to have.
For more information, please contact:
Theodore A. Topouzis, Esq.
Phone: 401-533-9888
Email: [email protected]
Website: www.taclosinglaw.com
HarborOne Mortgage is here to help educate our customers and then stay with them every step of the way through their home financing journey. We understand that buying a home is one of the single biggest financial decisions of our customers’ lives and there is no room for cookie cutter in this process. Whether we’re working with a first time buyer or a seasoned investor, our approach is the same: to understand each buyer’s unique situation and determine the best possible product to meet their needs.
It is because of the highly personal service we deliver that our partners in the real estate industry confidently refer their own clients to us every day and why we value our relationships with these partners so much. That includes local processing and underwriting right here in Warwick!
HarborOne Mortgage, headquartered in Manchester, NH, provides personalized residential lending solutions through a network of 34 branch offices located throughout New England and is a wholly owned subsidiary of HarborOne Bank, the largest state-chartered co-operative bank in New England with $3.7 billion in assets. Allowing us the leverage in the market to be able to offer an expanded suite of products to accommodate a wider range of borrowers.
To learn more about how HarborOne Mortgage’s people and products can help make your clients’ home ownership dreams a reality, visit our website at https://www.harboronemortgage.com/branches/locations/RI or come see us at one of our 9 bank branches. Or, provide us with your name and email address and we’ll add you to our mailing list for upcoming events!
Suzanne Fry,
VP-Area Manager
HarborOne Mortgage
(401) 330-1668
Convenient. Trusted. Seamless … MERS.
MERSCORP Holdings, Inc. (MERSCORP) is part of ICE Mortgage Services, which applies technology and high-capacity infrastructure to make the residential mortgage process simpler and more transparent. MERSCORP has been a trusted service provider to the mortgage industry for 21 years.
MERSCORP Holdings owns and operates the MERS® System, a national electronic registry system that tracks the changes in servicing rights and beneficial ownership interests in mortgage loans that are registered on the System.
Over 5,000 companies nationwide, including originators, warehouse lenders, servicers, investors, and vendors all benefit from using the MERS® System.
The time is now – elevate your business with eNotes!
MERSCORP Holdings also owns and operates the MERS® eRegistry, the mortgage industry’s system of record for identifying the Controller (holder) and Location (custodian) of the authoritative copy of an eNote, or in the traditional paper world of mortgage, the original note. The MERS® eRegistry gives consumers, lenders, and investors the confidence in moving toward a digital process because authenticity of electronic copies can be verified by an independent third-party.
The number of eNotes registered on the MERS® eRegistry continues to increase, as do the number of MERS® System Members who are conducting eNote transactions. This rapid growth of eNotes is a key indicator that the residential lending industry continues to drive toward greater digitization of the production process. eNotes are an essential component of a digital mortgage strategy, as they do not require notarization, are enforceable in all 50 states, and easily integrate into an electronic closing process that improves the consumer experience, lowers lenders’ costs, and helps lenders remain competitive in the market.
The industry is moving forward – and we are here to help you evolve with it!
Learn more at www.mersinc.org or contact Laurinda Clemente at 703.328.4080.
MERSCORP Holdings, Inc. is a subsidiary of Intercontinental Exchange (NYSE: ICE).
Since 1855, BankFive has helped customers buy homes and secure their family’s future. We offer a family of home loan products including Portfolio, Portfolio Construction, Land Loans, Portfolio Jumbo, FHA, VA, USDA loans, State Housing Agency, Home Equity Loans/Lines, Solar Loans and HEAT loans. As a strong lender who values our Mortgage Originators, we offer a generous compensation plan that competes with the best in the industry. In addition, our fees are among the lowest in the region. Also, through our FDIC and Depositors Insurance Fund all deposits are 100 insured%.
BankFive offers 13 branch locations and a loan production office in Cranston. Visit us online at bankfive.com. We look forward to the opportunity to serve your needs. We offer a full range of bank deposit products for consumers, small businesses, and large corporations
BankFive is pleased to welcome Christopher Craig, VP & Regional Sales Manager. Chris brings 15 years of experience in all facets of mortgage lending, with a specialty in sales management. Chris is dedicated to making BankFive the premier mortgage lender in the region.
Partridge Snow & Hahn LLP is a business law and litigation law firm dedicated to providing excellence in legal services and business planning throughout Rhode Island and Massachusetts. We represent banks, credit unions, and mortgage lenders and brokers in a broad range of transactional, regulatory compliance, employment, and litigation matters.
Our lawyers have their fingers on the pulse of the mortgage lending industry and have been frequent speakers on topics related to the industry, including the regulation of financial institutions and their mortgage banking subsidiaries.
Utilizing the full resources of the Firm’s experienced attorneys and paralegals, our mortgage lending team renders responsive and cost-effective services to meet our clients’ many business needs. Through the firm’s affiliation with Meritas, members of this practice area have immediate access to qualified local firms throughout the United States and internationally to address collateral and other issues arising in multi-state or international transactions. Call us at 401-861-8200 to learn more or visit us at psh.com.
Meet our Mortgage Lending Team:
James H. Hahn
Richard Nadeau
Michael A. Gamboli
Alicia J. Samolis
Travis J. McDermott
Joshua D. Xavier
“Doing what’s Right…Working with the community, for the community since 1948.”
Life is a series of milestones, goals and accomplishments. Through the ups and downs, it’s important to have a banking institution that’s with you every step of the way – someone who truly cares about your individual situation and how to get you to your goals.
Greenwood Credit Union is a full-service financial institution that provides the highest level of service and personal attention to all our customers. Greenwood Credit Union operates under the Credit Union ideal of “People Helping People” and is committed to providing our customers with the best banking products and services available, with the best value and convenient access.
Continually striving to expand and refine our product and service offerings to best meet customer needs, GCU is also dedicated to offering these services at the most competitive rates and lowest cost. We are all about our customers’ best financial interests – and it shows every day. Whether you’re looking to purchase or refinance a home, open a CD, or simply need a checking/savings account, our experienced team is here to help you along the way. GCU will always have a local presence with local decision making and local support.
You can open an account with as little as $5 online at greenwoodcu.org or just stop by our branch at 2669 Post Road in Warwick.
Experience the Homestar Mortgage Difference
As a top lender for Rhode Island Housing and one of the state’s largest independent mortgage lenders, Homestar offers a wide selection of programs designed to fit a variety of mortgage needs. Homestar was founded by Carl and Stephen Tetzner, who combined have over 60 years of mortgage expertise.
Recently ranked as a top 10 purchase lender in Rhode Island, Homestar Mortgage has accomplished this by building an experienced, knowledgeable team of mortgage professionals. Stephen Tetzner, Vice President of Homestar Mortgage, has 25 years of mortgage experience and has closed over $1 billion in overall mortgage volume. He believes in an “originator friendly” environment, one that provides the support and tools necessary to help loan officers succeed in the mortgage industry.
With programs offering 100% financing, with no income limits, to specialized programs designed for the unique needs of physicians and recent college graduates, Homestar provides a wide range of financing options for homeowners. Throughout Rhode Island and neighboring states, Homestar has built a reputation for conducting each mortgage transaction with honesty and integrity.
Angelo Soukas has been a loan officer with Homestar Mortgage for close to 20 years. He believes that Homestar Mortgage offers consumers service and products that are a cut above the rest, stating: “We have the programs, experience and expertise of a big company, but have the ability to operate with the speed, efficiency and personalized service of a small company.”
This level of service would not be possible without the support of Homestar’s operations staff. They work with loan officers to ensure that each transaction goes as smooth as possible. After a no-cost, quick, pre-approval consultation, homebuyers know exactly how much they can reasonably afford to pay each month, which empowers them to confidently begin their home search without reservation.
If you are interested in joining a team with a track record for success, contact Homestar Mortgage today at 401.454.3300. Additional information can also be found on our website, www.homestarmortgage.net
Essent Guaranty, Inc. was founded in 2008 with the mission to bring a mortgage insurer with strong capital, investment-grade ratings, competitive pricing and transparent claims practices to the mortgage industry. Today, we are an industry leader and the mortgage insurance (MI) provider of choice for many lenders, loan officers and underwriters.
At Essent, we are more than MI. We invite you to look past the obvious to take advantage of tools and resources that are uniquely found with us, including:
MI, That’s Smart!
- EssentEDGE®: Get competitive rates on every loan when you quote our powerful risk-based pricing engine through Rate Finder, your LOS or pricing engine, as well as on our mobile app, EssentPRO.
- EssentIQ®: Create personalized loan scenarios to show homebuyers how they can buy with as little as 3% down. Customize the results with up to two contacts — a great cobranding opportunity with your referral partners!
- EssentENGAGE: Get insights and perspectives on a broad range of topics that are shaping our industry. From in-depth research to thought leadership webcasts, we offer resources to help you navigate your footprint in a highly competitive market.
- Essentials Training: Stay on top of your professional game with our free training classes and online tools. Whether you’re new to the industry or a seasoned professional, our Essentials training suite offers something for everyone.
Explore everything we have to offer at essent.us.
Have a question about Essent MI? I can help.
Mike Stevens
Account Manager, CT, MA, RI, VT
508.735.5920 | [email protected]
Underwriting: 877.330.353 | [email protected]
The Firm:
The Law Offices of Gregory J. Schadone, Ltd. is a small firm with offices located in the North Providence, RI and Dedham, MA. The firm was established in 1994 and has since continued to grow with a concentration in real estate conveyancing. Although much of the firm’s real estate practice involves real estate closings, the office also helps commercial and residential clients with many complex real estate issues. The firm represents buyers, sellers and lenders in all aspects of real estate transactions, including negotiating purchase and sales contracts, title examinations, zoning disputes and quiet title actions. The firm prides itself on providing exceptional service to all parties involved in the real estate transaction to assure the parties complete and total satisfaction. www.schadonelaw.com
The Attorneys:
Gregory J. Schadone
Attorney Schadone graduated from Boston College in 1989 and earned his law degree from New England School of Law in 1994. He is admitted to practice in Rhode Island, Massachusetts, Connecticut, New Hampshire and United States Supreme Court. [email protected]
David
A. Ursillo
Attorney Ursillo graduated from Rhode Island College in 1994 and earned his law degree from Ohio Northern Petite College of Law in 1997. He is admitted to practice in Rhode Island, Massachusetts and South Carolina. [email protected]
Chels
ea Battinger
Attorney Battinger graduated from West Virginia University in 2012 and earned her law degree from Roger Williams School of Law in 2015. She is admitted to practice in Rhode Island and Massachusetts. [email protected]
Anthony
M. Gallone, Jr. (of counsel)
Attorney Gallone graduated from Boston University in 1990 and earned his law degree from University of Miami School of Law in 1993. He is admitted to practice in Rhode Island and Florida. [email protected]
Contact:
7 Waterman Avenue
North Providence, RI 02911
p. (401) 232-4000
f. (401) 232-2555
3 Allied Drive, Suite 303
Dedham, MA 02026
p. (508) 952-2262
f. (844) 430-9756
CHART A NEW PATH TO WAREHOUSE LENDING.
Our story begins in 2004 when Coastal States Bank first opened its doors in Hilton Head Island, South Carolina as southern Beaufort County’s only locally owned bank. We recently expanded to the Atlanta and Savannah markets and continue to grow, serving communities across the country through GGL, Senior Housing and MBF lines of business.
At Coastal States Bank, we know finding the right mortgage warehouse lender to partner with is a key to your success and we are confident we have the solution you have been looking for. Whether you are looking for increased capacity or establishing your very first warehouse line, we can help! Our mortgage warehouse offering features lower funding fees, competitive cost of funds and the excellent customer service you expect from a Warehouse Lending team. At Coastal States Bank, it’s more than a relationship- it’s a partnership!
Key Features
- No Warehouse Application Fee
- Competitive Funding Fee with no hidden costs
- Negotiable terms
- Net Worth as low as $75,000
- Pledge Account starting at $5,000
- Funding Options, 100% or 99% of the Note Amount
- Non-captive with 25+ approved investors
- Free Note Shipment to Investors
- Same Day Settlements-Subject to Purchase Advise & Matching Investor Wire
- Same Day Funding
- Easy to use-online warehouse system
- Online Reporting, Loan Level Accounting, Aged Inventory, Payoff Histories
Sue Anderson
AVP, Warehouse Relationship Manager
Mortgage Banker Finance Division
Office: (860) 402-8337
From moving in to remodeling, we’re ready to lend a hand. Based in Smithfield, R.I., Navigant Credit Union is Rhode Island’s oldest credit union. Navigant Credit Union has provided its members with unparalleled financial products and services, as well as community support, for over 104 years. With more than $2.2 billion in assets, more than 98,000 members and 18 branches, Navigant Credit Union supports its members through access to products and services, conservative financial management and commitment to the communities where they operate. Whether you’re thinking about buying your first home, refinancing, or borrowing money to make home improvements, we have the loan for you. Our Mortgage and Home Equity Loans come with competitive rates and terms and are backed by our knowledgeable specialists. It’s just the thing to make you feel right at home.
To learn more about Navigant Credit Union, please contact:
David DeCubellis
VP Residential Lending
401.233.4700
Priority Title Company is a locally owned and operated provider of residential title and closing services with deep roots in the South County community. Scott Denelle founded the company in 1994 after growing up in a real estate family in Narragansett and working as a loan officer in Rhode Island for 9 years after college. He started the company after experiencing first-hand the frustrations of trying to purchase his first home with the assistance of a lawyer who wasn’t getting back to him. As a first-time homebuyer, Scott had plenty of questions and he was shocked the attorney he hired wasn’t even responding. It was then that Scott realized there was a need for a consumer friendly Real Estate Title Services Company that could work in conjunction with a law firm to provide unmatched customer service! Scott believes the home buying process should be positive for all involved and communication is key to making that a reality. Today Scott, with the legal services of the 4 attorneys at Kenyon Law and 5 experienced support team members, has helped more than 15,000 families purchase/refinance their homes over the past 25 years.
Services include: Title Searches, Title Insurance, Real Estate Purchase Closings, Real Estate Refinance Closings
*Check out our new RI Property Resources tab on our website to quickly find information about RI Properties!
10 REASONS TO USE PRIORITY TITLE COMPANY
- FRIENDLY CLOSING STAFF
We are actually happy when you and your clients call.
- SALES SENSITIVE STAFF
We know how important Buyers, Sellers, Realtors, and Loan Officers are and treat them with the respect they deserve.
- FAST TITLE SEARCHES
We have staff Title Examiners and offer excellent turnaround time.
- FLEXIBLE SCHEDULES
We have 4 Closing Attorneys and can close at customer’s convenience.
- FLEXIBLE LOCATIONS
Two RI branches and willingness to travel to Realtor Offices.
- INSURED CLOSING AGENTS FOR 6 MAJOR TITLE INSURANCE COMPANIES
We are agents for First American, Commonwealth, Chicago, Fidelity, CATIC, and Stewart.
Odds are we can find a Start and pass along a re-issue discounted rate on your refinance.
- DEDICATED ATTORNEYS
Our lead Attorneys specialize in Real Estate. They won’t be in court when you or your clients have questions!
- EXPERIENCED TEAM
We have been handling Title Searches for 54 years. We fix problems!
- STRONG DESIRE TO CLOSE THE LOAN BEFORE THE MONTH ENDS
Just like you!
- EXCELLENT REPUTATION
Reputation for Accuracy and Professionalism throughout Realtor community. *Check out some testimonials by local industry leaders! (www.prioritytitlecompany.com/testimonials)
Since 1950, Ocean State Credit Union has aimed to deliver sound financial solutions to our membership. We have and continue to grow our offerings to meet our members’ changing needs. From these beginnings, Ocean State Credit Union has grown to become a statewide credit union offering safe and secure products and services to all of Rhode Island and Southern New England. With branches located from Coventry to North Kingstown and borderless online and mobile banking, Ocean State Credit Union has become a financial resource to people seeking the best in personalized service and smart banking products.
Ocean State Credit Union, formerly Coventry Credit Union, has been a recognized and steadfast leader in mortgage lending through both the most trying and most fruitful of times. Our experienced Mortgage Professionals offer knowledge in every area of mortgage lending from purchase to refinance including construction loans.
We have access to a full range of mortgage resources, such as federal programs like FHA, VA, and USDA. Our experienced Mortgage Professionals will work with you to find the best and most affordable mortgage to suit your specific needs.
Whether you are purchasing a new home, refinancing or constructing a new home, OSCU can help you with professional experience, a large menu of programs, the most competitive rates and low closing costs and terms.
For more information, please contact:
Nicole Dungca
Director of Mortgage Lending
401-397-1900, ext. 2365
Thomas J. Carroll
Mortgage Loan Originator
401-397-1900, ext.2362
Pilgrim Title Insurance Company has been providing professional, responsive and accurate residential and commercial closing, escrow and title insurance services to homeowners, lenders, developers and other attorneys across RI and MA for more than 20 years.
While always striving to excel in the time-honored standards or delivering exceptional customer satisfaction through superior, personalized service and noted expertise, Pilgrim is also an innovator, blending the best of modern technology with these classic approaches. Aside from our Post-Close Digital Closing Package, which provides ongoing marketing for associates, Pilgrim Title also creates educational materials for homebuyers and agents, through the portal character “TOD” (Title on Demand). TOD can be found on Facebook, Linkedin and Instagram.
This year, the company has opened TWO new offices: One in Wakefield, to serve our South County Rhode Island clients and one in Orlando, Florida (Pilgrim Title & Closing Services). With the company’s existing offices East Providence, RI and Barrington, RI, Pilgrim has four offices to serve its clients.
Pilgrim Title Attorneys are admitted to practice in Rhode Island, Connecticut, Massachusetts and Florida. Several Pilgrim Attorneys are also licensed title agents in New Hampshire.
The team at Pilgrim are also recognized industry experts and thought leaders. Partners of the firm regularly speak at events for The American Land Title Association, The American Wind Energy Association, the Rhode Island Bar Association, ICSC and the Rhode Island Association of Realtors. In addition, Pilgrim’s attorneys regularly publish timely and informative articles in trade publications and on the company’s social media platforms.
For more information, call 401-274-9100 or visit www.PilgrimTitle.com. More details about the Digital Closing Package can be found at www.PilgrimTitle.com and www.digitalclosingpackage.net
Principals of Pilgrim Title:
Shown left to right, James Belliveau, Jeffrey St. Sauveur and Christopher Montalbano
“TOD” with Pilgrim Title’s Marketing Director, Dena Davis
ABOUT FRANKLIN AMERICAN MORTGAGE COMPANY
Located in Franklin, TN, Franklin American Mortgage Company, a Division of Citizens Bank, N.A., is a full-service professional mortgage banking firm licensed to provide residential mortgages across the nation. Since it was founded in 1994, the company has become a preferred lender for consumers and mortgage professionals, offering a host of diverse, flexible mortgage packages. Now, as part of the Citizens Bank family, Franklin American Mortgage has increased strength and a depth of resources to help individuals and families achieve their dreams of homeownership.
Dedicated to remaining an industry leader, Franklin American Mortgage offers borrowers, brokers, and lenders the strength and security of a forward-thinking national mortgage banker. The company truly values its relationship with each customer and mortgage professional, maintaining a tradition of responsiveness and personalized service; this philosophy has enabled Franklin American Mortgage to become one of the largest mortgage bankers in the nation.
Franklin American Mortgage also understands the personal side of every transaction and the need for prompt communication with its lending partners. You will have complete access to underwriters, closers, support staff – or anyone needed to help close the loan. To serve your processing needs, Franklin American Mortgage has operations centers in Franklin, TN and Irving, TX. This level of customer service and access sets the company apart from its competition and makes Franklin American Mortgage a top-10 mortgage origination and servicing company* and one of the most trusted names in the industry.
In addition to this unparalleled customer service, Franklin American Mortgage also offers a wide variety of comprehensive training materials, video, and instruction for streamlining the loan approval process, originating government loans, and navigating regulatory changes such as RESPA, MDIA, and TRID.
Franklin American Mortgage is an FHA Direct Endorsed, VA Automatic, and a LAPP, Fannie Mae, Freddie Mac, and Ginnie Mae approved seller/servicer.
*Inside Mortgage Finance, 2018
For more information about Franklin American Mortgage, please contact:
Andrea Franko
Account Executive
Franklin American Mortgage Company, a Division of Citizens Bank, N.A.
6100 Tower Circle
Suite 600
Franklin, TN 37076
Cell: 860-803-2960
Email: [email protected]
Web: www.franklinamerican.com
Liberty Title & Escrow Company, LLC, a wholly owned direct subsidiary of Fidelity National Financial, Inc., is your local provider of nationwide title and settlement services, who can handle the most complex transactional needs, while still maintaining high levels of personal service. We offer residential and commercial services for all transaction types, including purchase, refinance, equity lines, and bank owned real estate. On every file, our pledge is fast, detailed, and personal attention, along with a commitment to facilitating closings that are convenient for your customer. Moreover, you will have singular access to your Liberty point of contact, if there are any questions or concerns throughout the closing process.
We know real estate is a difficult industry, with many areas that require synchronized effort. Timing is crucial and simply getting the details right can make or break any deal. With a proven track record since 1997, you can count on Liberty Title professionals for clean titles and settlements done right, every time, when you need them.
To learn more about what Liberty can do for you please contact:
Sharon Zickendrath*
Account Executive
[email protected] / 401.714.8836
www.libtitle.com / (*Fluent in Spanish)
A DIFFERENT KIND OF BANK
Texas Capital Bank was founded in 1998 by a small group of entrepreneurs to serve businesses and the people who build them, and that remains our focus today.
We believe in aligning our business to the needs of our clients. That’s why we created a specialized Mortgage Finance group that fully supports the unique requirements of mortgage lenders, staffed by industry veterans who speak your language.
When you work with a bank focused on your business, you’re working with someone who can help you grow, instead of competing with you for the same borrowers. We put our efforts into developing new products, processes and technology to help you run an efficient, profitable business. To us, serving the mortgage industry is a significant opportunity, and we treat it accordingly.
- Top 100 FDIC banks in the U.S. by asset size
- Top 3 Warehouse provider
- Ranked in Forbes List of Best Banks in America
- Top 20 Mortgage Aggregator
OUR SOLUTIONS
Our Mortgage Finance group got its start in 2000 by offering warehouse credit facilities. Since then, we’ve remained consistently committed to the mortgage industry and have expanded to provide additional services such as treasury services, liquidity services, specialized credit facilities and a Correspondent Lending group.
Our Correspondent Lending group purchases a comprehensive array of loans types in all 50 states:
- Bulk Mandatory and Best Efforts
- Medical Doctor Loan Program
- Jumbo – Delegated
- Conventional products, including Home Ready, Home Possible, and FNMA Single Close
- Government products, including FHA, VA and USDA
- Repurchase Insurance at no additional cost or third-party review on ALL products
CONTACT US
To learn what we can do for your business, please contact:
Robert Favicchio, VP, Regional Sales Manager, Correspondent Lending
401-556-5555 [email protected]
Tim Gilbert, VP, Relationship Manager, Warehouse Lending
908-601-7695 [email protected]
Texas Capital Bank, N.A. is a commercial bank that delivers highly customized financial services to businesses across the country. Texas Capital Bank is a wholly owned subsidiary of Texas Capital Bancshares, Inc. (NASDAQ®: TCBI) and is consistently recognized as one of Forbes’ Best Banks in America.
www.texascapitalbank.com
Member FDIC NASDAQ®: TCBI
What’s Behind a Name?
In the mid-70’s, a group of East Providence friends founded an organization called the Shamrock Society. The guiding spirit of the organization was philanthropic but we suspect there may have been a bit of mirth and merriment somewhere in the unwritten bylaws.
One of the founders was my father, Douglas F. Harrington Sr.
My dad was an interesting guy. He married his high school sweetheart at age 31 (greatest salesman ever!) and then proceeded to play catch-up, having five children in four years (twins to settle the math). He was a distinguished salesman with Proctor & Gamble, a man of deep faith and a gifted story teller. His favorite two words were integrity and wisdom.
In the late 80’s, I decided to start my own company and I needed a name. I kicked around all sorts of different ideas, each mustier and more contrived than the last.
Truth be told, dad wasn’t a fan of my decision to leave a steady job to do my own thing, and naturally, I wasn’t too happy that he wasn’t happy. To make matters worse, his health had been in steady decline for some time.
So in an effort to both honor him and bust him up a bit I decided to name the company after him. The Shamrock Society became the template for Shamrock Financial and in July of 1989 the company was born.
Less than a year later, at age 59, my dad passed away.
Ironically (or maybe not so ironically), who Douglas Harrington was would go on to define who we are at Shamrock – every single day. He never graduated college but flourished in an industry where typically only college graduates thrived. He raised us in a tenement house, working two jobs until he could buy his first home at age 44. He lost his wife, my mom, Claire, on her 48th birthday, after a two-week illness, quickly becoming a single dad with five kids in their teens – we had a dog, a cat and one family car.
Doug Harrington was a man of principle who believed in hard work, the path less traveled and the worthiness of everyone, no matter how the world might define them. Everyone deserved a chance and everyone got one with my dad.
It is both a privilege and, I believe, destiny that Shamrock Financial was inspired by a man who so closely resembles the characteristics of those we employ and those we serve. We have been blessed.
– Dean Harrington, Founder and CEO
On Friday, July 19, 2019, Shamrock Financial Corporation celebrated 30 years in business and announced they are changing their name to *Shamrock Home Loans.
Read Dean’s Thoughts on Turning 30
*Shamrock Financial Corporation will officially become Shamrock Home Loans as of 8/1/19
Feel free to contact Jeremy at 401-418-2399 to learn more about joining PrimeLending’s RI team.
All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, a PlainsCapital Company. Equal Housing Lender. © 2019 PrimeLending, a PlainsCapital Company. PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a state-chartered bank and is licensed by: RI Division of Banking
July 8, 2019
Carey Buckley from Radian Guaranty
At Radian, we’re helping you ensure the American Dream in even bigger and better ways with a comprehensive suite of mortgage, real estate, title and risk services. It’s all in addition to our industry leading mortgage insurance products and programs. And it’s all about turning today’s challenges into tomorrow’s opportunities.
Do you see what we see? Learn more at radian.com or contact Carey:
Carey Buckley
Senior Account Manager
860.302.7776 | [email protected]
July 1, 2019
June 24, 2019
Arch MI is the best MI partner for mortgage lenders. Highly rated and backed by a strong capital base, we lead the industry in financial strength, technological innovation and attentive customer service. We’re committed to developing unique MI solutions that expand origination opportunities while reducing risk exposure. With Arch MI, you can support your community’s lending needs with mortgage financing options your competitors can’t match.
Get Our Most Competitive Rates with RateStar
We’re also focused on making the origination process as easy as possible for our customers. RateStarSM, the industry’s preferred risk-based pricing solution for 10 years, has a new streamlined portal at archmiratestar.com. Order either an express or fully customizable quote, for all applicable MI options, and always receive our most competitive rates. Then customize your borrower’s premium payment with the industry’s only MI buydown tool, RateStar BuydownSM.
Originate More Loans with AMGC
Homebuyers today have challenges that require lenders to be flexible. That’s why we created Arch Mortgage Guaranty Company (AMGC), which supports portfolio lending by reducing risk exposure with credit loss protection on prime, standard and non-standard qualifying loans. With the highest ratings in the U.S. MI industry, AMGC pairs Day One rescission relief with the ability to insure a wide range of mortgages:
- Jumbos
- Loans intended for private securitization.
- Non-Qualified Mortgage loans.
- Structured MI solutions supporting customers participating in mortgage credit risk transactions.
Discover how our flexible AMGC programs can help you approve more loans for Millennials, first responders, degreed professionals and other homebuyers with modest down payments. Use RateStar and RateStar Buydown to receive our most competitive AMGC rates. Learn more at archmi.com/amgc.
Plus Support for Your Business …
Short-staffed or overwhelmed by volume? Outsource your MI underwriting questions to our experts and get an answer in one hour or less. Our free ASK Arch MI service is available at ask.archmi.com and features a Knowledge Base of already-requested scenarios that you can also access to speed up processing time.
We also offer contract underwriting services to improve your efficiencies and handle peak times.
Keep your team on track with Arch MI’s complimentary online webinars and On-Demand videos – the easy way to stay current on valuable loan processing and underwriting skills. We also offer on-site training for business development and sales learning. See the options at archmi.com/training.
… and Unique Industry Insights
Arch MI’s risk assessment experts are among the nation’s best. Download our Housing and Mortgage Market Review® (HaMMRSM). Issued quarterly, it reports on the health of the nation’s housing market, based on MSA- and state-level analysis of house price decline trends provided by the Arch MI Risk Index®.
Best of all, Arch MI is available everywhere! Check out our solutions at archmi.com or at our special website for loan originators, lo.archmi.com. Insure your loans via CONNECT, our easy online platform, or your own loan origination system. Download our mobile app to your phone for those times you’re out of the office and want a quote fast. Discover Arch MI on Alexa, too — the hands-free way to contact your Account Manager or get a RateStar Rate Quote.
For more information, contact:
Lauren Geary
Account Manager — CT and RI
203-915-6990
Arch Mortgage Insurance Company | ARCH MORTGAGE GUARANTY COMPANY | 230 North Elm Street Greensboro NC 27401 | ARCHMI.COM MCUS-B1028-0619
© 2019 Arch Mortgage Insurance Company. All Rights Reserved. Arch MI is a marketing term for Arch Mortgage Insurance Company, Arch Mortgage Guaranty Company, United Residential Insurance Company and United Guaranty Services, Inc. The Housing and Mortgage Market Review and the Arch MI Risk Index are registered marks of Arch Capital Group (U.S.) Inc. or its affiliates. RateStar, RateStar Buydown and HaMMR are service marks of Arch Capital Group (U.S.) Inc. or its affiliates. Amazon, Alexa and all related logos are trademarks of Amazon.com, Inc. or its affiliates.
Craft wholesale lending solutions with Flagstar Bank.
Flagstar Bank has been crafting tailor-made mortgage solutions for clients across the country for 30 years, navigating through some very challenging market climates. Today, as a well-capitalized and highly profitable bank with over $19 billion in assets, it is ranked as the #2 national FHA wholesale lender1 and a top 10 third-party originator.2
We constantly update our robust online system to help you better manage your pipeline, access training, customize reporting, and integrate with top loan origination systems. Clients appreciate the savings from our precise, closest-to-the-flag interest rates—priced to the thousandths instead of the eighths. And with reduced overlays, responsive customer service, and direct access to our underwriting staff, the lending process advances all the way to closing like a well-oiled machine.
As a leading national wholesale lender, Flagstar has the knowledge and expertise—as well as an expansive set of product offerings—to help maximize your bottom line and grow your business. Choose from conventional, jumbo, construction, renovation, FHA, VA, USDA, and seconds. We’re proud to craft solutions for brokers, correspondent lenders, banks, and credit unions.
To find out more about Flagstar Bank, call:
Ann-Marie Copland
Flagstar Bank, FSB
Vice President, Correspondent and Wholesale Senior Account Executive
Northeast Region
New England
(617) 571-2395
6031 University Boulevard
Suite 250
Ellicott City, MD 21043
[email protected]
EQUAL HOUSING MEMBER MEMBER FDIC
1Source: FHA Neighborhood Watch 2Source: Inside Mortgage Finance Q1 2019
AAA Northeast Bank brings the trustworthy AAA Five Diamond Service to Rhode Island residents with valuable mortgage products, including first home loans, reverse mortgages, home equity loans and other financing options. Our goal is to simplify the process and add peace of mind to some of life’s most important decisions. That’s why all our Mortgage Consultants are licensed in NMLS, and the title attorneys and settlement agents we select are experts in compliance matters.
We also offer seminars and webinars on first-time home buying and Reverse Mortgages to help people navigate the world of home financing, save the most money, and get answers to their questions. Best of all, because AAA is firmly committed to Equal Credit Opportunity principles, our offerings are available to everyone – not just members!
Learn more about our seminars, home loans and other financial products, and careers.
Province Mortgage Associates is a full-service, delegated mortgage lender licensed in RI, MA, CT, NH, and FL. Since company President, David Currie, first opened the doors in 2005, we have been dedicated to providing an outstanding mortgage experience for our clients, which has made us one of the top referral-based mortgage companies in our market.
Presently, we are proud to have earned over 1,130+ testimonials between Zillow, Google, Facebook, and Better Business Bureau, a number that continues to grow with each new mortgage transaction.
In addition, 2019 marked the 10th year that Province Mortgage Associates was voted one of the “Best Places to Work” in Rhode Island by Providence Business News. This accomplishment reinforces the value of corporate culture and how employees who love where they work can ultimately create the Five Star mortgage experience our clients deserve.
It is a pleasure to keep the American dream of home ownership alive. May we all continue to do so for many years to come!
To learn more, visit https://provincemortgage.com/, or contact us directly at [email protected] | 401-490-4400.
Avantus, a Rhode Island based locally owned and operated company has been providing customized mortgage credit reports, mortgage settlement services and technology solutions to the financial community for over 75 years. In that time we have remained focused on our mission to provide our partners with the proper tools to grow their business, stay compliant, and close more loans!
Aside from our credit reports, Avantus offers a complete line of ancillary lending products and services such as Automated Decision Engines, Credit Score Improvement Tools, Verification Services, and a free automated on-line application service “Startmyapplication.com.” This must-have tool will empower your borrowers, engage realtors, and power-up your referral partnerships all while allowing you to eliminate your upfront credit costs.
While our technology is second to none, we are not an “internet only” company, we are most proud of our employees. The front-line service staff at Avantus is frequently mentioned as the most knowledgeable in the industry by originators and loan processors. This is the direct result of our focus on retaining seasoned employees. The average support staff member at Avantus has well over 20 years’ experience in the industry. Many times, these tenured professionals have been the difference between closing a difficult loan and losing one.
Whether you are a small or large organization, local or national we at Avantus can assist. Let us show you how we can help you succeed!
In closing, Avantus is pleased to celebrate over 25+ years as a member of RIMBA. We were there from the inception of this great Association and continue to believe in, support and promote its values, and initiatives. Please join us in this effort.
For more information please contact:
Paul DeCoste
Regional Sales Director
Office: 800-243-0120 extension 137
Cell: 508-789-6240
Connect with Avantus –
Avantus.com | Linkedin | Twitter | Google+ | Facebook
We show up for work every day believing that if we do right by people, we will be successful. Our partners will continue to grow and flourish. Join us in our mission to make the home buying experience an incredible one.
CATIC is New England’s largest domestic title insurance underwriter and the only underwriter issuing 100% of its policies through local attorneys and independent title agents. Our network of more than 2,000 attorneys and independent title agents brings to our insureds, both lenders and borrowers alike, unmatched local knowledge and expertise in the nuances of the region’s lending and real estate closing practices.
Whether a purchase, refinance, or HELOC, we offer a range of products and services to streamline the closing process and protect the interests of the parties involved. Case in point: Our CATICTrac Aged Lien Release Tracking Service permits our agents to insure over unreleased liens and immediately close transactions while we remove the liens from title, completely eliminating a problem that could have delayed the closing for weeks.
In addition to servicing the real estate community, CATIC is an active participant in and supporter of a variety of associations and charitable causes throughout the Northeast.
For more information, please contact:
Linda Urbanec, CATIC, Director of Industry Relations
(860) 513-2105
Banking the Way You Want.
That’s what Centreville Bank delivers to our retail and business customers every day. Founded in 1828, Centreville Bank is one of Rhode Island’s most stable and well-capitalized community banks, with a growing presence that reaches every corner of Rhode Island and into nearby Massachusetts and Connecticut.
Centreville Bank offers loan products that meet a variety of needs which include:
- Conventional and Non-Conventional Fixed and Adjustable Rate Mortgages
- FHA, VA and USDA loans
- Construction and Rehab loans
- First Time Home Buyer Products with down payment and closing cost assistance
- Home Equity Loans and Lines of Credit
We also offer a variety of specialty lending programs including Affordable Housing Products, Doctor Program, Asset Depletion, No Closing Costs Mortgages, and mortgages with No Mortgage Insurance along with a complete range of personal, business and commercial banking products to meet your needs.
Whether you are looking to purchase, refinance, renovate or build your own home, our bankers will guide you through every step of the process. We’ll work together to provide the right mortgage solution for you, with low closing costs, competitive rates, fast turnaround time, and local loan servicing.
To learn more, contact a member of our Mortgage Lending Team today!
Centreville Bank | Online Mortgage Center
| Member FDIC |  |
Equal Housing Lender NMLS# 402947 |
Unparalleled Customer Service. Customized Educational Courses. Customer Retention Tools. Charitable Community Engagement.
Founded in 1992, Birchwood Credit Services has a long history of providing mortgage professionals with verifications, flood reports, collateral and property reports, credit re-scoring, and other related services. What has earned us the long-term loyalty of our customers, however, is our firm commitment to delivering the kind of customer experience that can turn someone’s day around for the better.
We are extremely passionate about building strong relationships and delivering real value. We consider ourselves a true partner rather than a vendor, and we’re always looking for new ways to make a positive difference.
Our high-quality continuing education courses and informal lunch-and-learn events give real estate professionals insightful, hands-on information that they can use to help their buyers. Mortgage professionals also benefit from sponsoring our consumer-based seminars which allow them to easily create customized educational experiences for their various audiences. Additionally, we provide the latest in customer retention, lead generation, and consumer-facing ID theft prevention tools to assist clients with business development and sustainability.
Outside of our day-to-day credit services work, we are proud to partner with a number of outstanding non-profit charities including Homes for Our Troops, a Taunton based 501 (c)(3), which helps veterans rebuild their lives. As part of our ongoing commitment and partnership with RIMBA, we have committed to matching dollar-for-for dollar, up to $10,000 through 2019, donations made to Homes for Our Troops by any RIMBA member who is also a Birchwood Client.
“We are extremely grateful for companies like Birchwood Credit Services that support our mission of building and donating specially adapted custom homes to severely injured post-9/11 Veterans. Birchwood generously donated to Homes For Our Troops at the 2018 New England Mortgage Bankers Conference by matching donations from members after learning more about our organization. Without the generosity of our supporters, we could not continue our important work and we are excited to continue our relationship with this incredibly charitable company”.
Tom Landwermeyer, Homes For Our Troops President and CEO
At Birchwood, you’re never just a customer. And while we’re always working hard to deliver the absolute best products and services, we’re more than just a credit services company. We are a dependable and inspired group of people dedicated to making things a little better however we can, whether that’s saving the day to help a customer get what they need to close a loan or changing a stranger’s life through our work with community partners.
For more information, please visit us on the web at www.birchwoodcreditservices.com or call us direct at 800-910-0015.
Pawtucket Credit Union, The smarter way to bank
Providing the smarter way to bank is an endeavor that sets Pawtucket Credit Union apart from other banking institutions. As an organization founded by, and run for the benefit of its members, this philosophy is woven throughout all of our business and civic activities.
With more than $2.32B in assets, we’re large enough to offer an ever-increasing array of products and services designed to meet your needs, yet still small enough to deliver the personalized service you deserve and have come to expect.
Everyone is unique in their own way so why should your mortgage be any different. Our mortgage products, now featuring a No Closing Cost option, range from traditional 30 year fixed rate loans to 100% financing for first time homebuyers, ARMs to jumbos, and accelerated payoff loans to bi-weekly options. Better yet, our construction loans feature a single closing for both the construction phase and the final term loan, and a rate lock up front.
PCU’s mortgage origination team will come to you. With local decision-making and servicing, our trained professionals are at your service to answer any and all of your questions. If we don’t have the answer at hand, you can rest assured that a return call is moments away. In addition, we’ve simplified the mortgage application process, enabling faster loan approvals and turnaround times.
Improving the lives of families and individuals in the communities we serve has been a key component of Pawtucket Credit Union’s mission and is the motivation behind all of our community service initiatives. Through the PCU Community Investment Fund, we hope to mitigate some of the stress on our local communities by funding programs that specifically serve vulnerable populations
With fifteen branch locations in Pawtucket, East Providence, Bristol, North Providence, Smithfield, Cumberland, Cranston, Warwick, East Greenwich and North Kingstown and the PCU Loan Center located in Foxboro, Mass., PCU is never far away.
For more information on Pawtucket Credit Union, stop by or visit us on the web at www.pcu.org.
The Law Office of Michael C. Lima is a qualified, reputable law firm located in East Providence, RI. Specializing in real estate, our skilled and accessible lawyers strive to continue building lasting relationships with clients.
About Our Firm
Founded in 2004, the Law Office of Michael C. Lima has a small-town commitment to service, yet the experience, staff, technology and resources that set us apart. These qualities make us one of the leading real estate law firms serving Rhode Island and Massachusetts.
With personalized, hands-on service, you are sure to receive tailored attention that will set us apart from larger firms. We tend to develop life-long clients who engage us for all of their real estate needs, which is a testament to the service offered by our law office.
Why Choose Lima Law: Communication is Top Priority
Many real estate agents, mortgage brokers and lenders develop preferences and avoidances for particular real estate law firms because of the lack of effort on behalf of the firm. Having a transaction fail to close at the fault of the law firm, whether it be for lack of communication or delayed service, will put that company at the bottom of the list. Realistically real estate closing firms are seldom chosen because of their title duties but more for their customer service and outstanding communication with all parties.
At Lima Law, this is where we stand apart from the competition. We are first and foremost customer focused, and responsive throughout the process. Our team is there for you from start to finish!
Whether it is your first home, a relocation, the purchase or sale of a vacation home or the refinance of your existing home, we recognize that each transaction is unique and deserves individual attention. You are not just another client to us, you are so much more. We treat our clients with respect and we give them the time that they deserve.
We pride ourselves on getting the transaction closed proficiently and professionally, by communicating and collaborating with all other parties involved, including realtors, lenders, insurance agents, and home inspectors.
Our Team
Our attorneys are readily available to answer your questions and to help guide you through the process. Experienced paralegals are an important part of our team, providing valuable assistance and skillful coordination throughout all aspects of your transaction.
Connect with us on Facebook:
https://www.facebook.com/limalawoffices
Contact Us:
401-270-1144
The Law Offices of Robert A. Ragosta service Rhode Island and Massachusetts. The firm focuses on residential and commercial real estate.
Attorney Bob Ragosta, with his decades of experience, is knowledgeable in many areas of law. That experience allows him to act as a concierge of legal services for referrals to attorneys across the legal spectrum. Agents, brokers, loan officers, and their family and friends are welcome to take full advantage of this service which ensures them competent representation in any area of the law they may need.
Bob acted as attorney for Fannie Mae at all of their Rhode Island REO closings and as an Assistant City Solicitor for the City of Cranston.
In January 2017, Mayor Allan Fung and the City Council appointed Bob as one of the municipal court judges for the City of Cranston.
Our office has experience in probate law, foreclosures, tax sales, and litigation resulting in all these areas. This experience allows us to guide buyers, agents, and loan officers through the closing process. We assist clients with leases, creating of LLC’s, and Corporations as well as filings with the Rhode Island Division of Taxation.
We pride ourselves on providing outstanding service and availability to all before, during and after the closing. Title issues are dealt with immediately so as to ensure all closings take place on time.
We support the Rhode Island Mortgage Bankers Association and it’s PAC as well as the various Boards of Realtors. Bob is in the Greater Providence Board of Realtor’s Hall of Fame.
The team at Robert A. Ragosta, Ltd., Carolina Bowry, Kerri Montesi, Bernadette DiBiase, in conjunction with our attorneys and closers and our underwriters at Commonwealth and Chicago Title Insurance Companies simply get closings done. We value being a resource for realtors and loan officers.
We look forward to the opportunity to serve and meet all of our clients’ and partners’ real estate and other legal needs.
For more information, please contact:
At Slepkow, Slepkow & Associates, Inc., we pride ourselves on tradition, reputation and execution.
Our firm was established in 1932. We now have three third generation Slepkow attorneys practicing at the firm. In addition, we have two other attorneys concentrating on our real estate practice. In all, we have a combined 120 years of experience focused on closing residential and commercial transactions in Rhode and Massachusetts. With over 50,000 closings conducted in our office, we are unquestionably the most experienced, and longest standing firm concentrating in real estate transactions in the East Bay. That’s tradition.
Our brand is well recognized throughout Rhode Island and Bristol County Massachusetts. We pride ourselves on our reputation among lenders, real estate agents, developers and consumers. We built our brand recognition by exceeding the expectations of all parties to our closings. Our clients know they can always communicate directly with an attorney whether by phone or email. All parts of the transaction from the title, to review of documents, to scheduling communications, resolution of issues, and closing, are handled personally by one of our attorneys. This is our competitive advantage over other firms, and guarantees the quality of service our customers demand and expect. That’s reputation.
It is one thing to have a goal, but it is quite another to execute it effectively. Our goal is meet all timelines of the consumer and the lender in a transaction. Under the TRID guidelines, timeliness has never been more important. We have the resources to examine title and prepare a commitment within one day of a title order. Our size and experience enables our efficiencies without sacrificing quality. That’s execution.
If you have a real estate closing, title issue or other related problem in the East Bay or Southeastern Massachusetts, give us a call. We are happy to serve your needs.
1481 Wampanoag Trail
East Providence RI 02915
401-437-1100
fax 401-433-5066
MGIC is the originator of private mortgage insurance. We founded modern PMI in 1957, and remain the industry’s premier provider today, insuring loans with down payments as low as 3% with credit scores as low as 620.
We combine innovative programs with unrivaled customer support to give lenders a faster, safer and easier way to originate residential mortgage loans so more people can realize their dreams of home ownership.
Our strength comes from our history, leadership and co-worker commitment to providing quality products and customer service.
Introducing MiQ™ – the right rate, right now
MGIC’s new risk-based pricing engine, called MiQ, delivers customized rates for each unique loan scenario. All with no change in your current process! In fact, MiQ can easily be accessed through your current LOS, pricing engines or the MiQ interface.
Leveraging our 60-plus years of experience and data, MiQ is designed to provide an exceptional customer experience. With our competitive MiQ pricing engine, you can quickly compare multiple premium plans. Its responsive design ensures a consistent user experience, whether using a desktop computer or mobile device. And, MIQ rate quotes are honored for 90 days.
MiQ is backed by MGIC’s best-in-class customer service. For more information on MiQ, contact your Account Manager or visit mgic.com
Announcing our new Account Manager in Rhode Island
We’re pleased to announce Laurie Souza has joined MGIC as your local Account Manager in the Rhode Island and Massachusetts areas.
While Laurie is new to MGIC, she certainly isn’t new to the mortgage industry or the New England Region. Laurie’s background includes over 25 years of retail, wholesale and correspondent lending experience. She’s known for her strategic thinking, positive customer service and attention to detail. Her vast product knowledge includes conventional, government, jumbo, portfolio, renovation and construction lending.
Laurie is looking forward to meeting you in person, being a valuable resource for you and helping your business to grow. Feel free to reach out to Laurie with your mortgage finance and insurance-related needs – or just to say “hi.”
March 11, 2019
Law Office of Cara B. Conaty, LLC
Cara Conaty, of the Law Office of Cara B. Conaty, LLC is an attorney who concentrates in Commercial and Residential Real Estate Transactions, Wills & Trusts, and Simple Estate Planning. Cara has been providing services to mortgage brokers, banks, financial planners, businesses, and homeowners for over 14 years. Her firm believes that prompt and personal attention always matter. Cara has strived to provide the highest quality of legal services and treats her clients with respect and courtesy. Her tag line, “Closings that open new relationships”, keeps her clients and referrals coming back year after year. Cara is a member of the Rhode Island and the Massachusetts Bar Associations. Cara has a B.A. in Communications, Minors in Law and Business Administration from the University of New Hampshire and a J.D. from the Roger Williams University School of Law. Cara is available 7 days a week and after normal business hours. She closes loans anywhere that is convenient for the client.
Real Estate
Commercial Real Estate
We represent purchasers, sellers, and lenders for commercial real estate transactions, as well as draft and review commercial contracts.
Residential Real Estate
We understand the importance of getting things done in a timely manner, so we will happily work around your schedule.
- Purchase & Sales Agreements
- Settlement Documents
- Deeds, Mortgages and Notes
- Rental Agreements
- LLC and Corporate Formations
- Sale by Owner Transactions
- Title Insurance Policies
- Bills of Sale and Leases
- Title Examinations
- SBA Approved Closing Attorney
Wills, Trusts and Estate Planning
We ensure our clients feel comfortable discussing all concerns so that informed decisions can be made.
- Last Wills/ Living Wills
- Trusts
- Powers of Attorney
- Successor Trustee Duties
- Life Estate Deeds
Attorney Cara Conaty
Law Office of Cara B. Conaty, LLC
300 Centerville Road
Summit West – Suite 202
Warwick, RI 02886
P: 401/921-2447
F: 401/921-4484
https://www.linkedin.com/in/cara-conaty-1082837
Strategic Information Resources (SIR) has been helping lenders make better informed decisions since 1926. In its early days, SIR served as a local credit reporting provider. Through their years as a dedicated partner to their clients, they have expanded both their product line and marketplace.
Today, SIR is known as a national provider of credit information, independent verification services, appraisal management services, and other risk management services including background and tenant screening. SIR proudly supports several industry associations including the Rhode Island Mortgage Bankers Association. They deliver comprehensive, current solutions aligned with the fast pace at which the lending industry operates. As a product innovator, SIR provides solutions that help in risk management and compliance.
This past fall, a member of the SIR team wa
s honored as the recipient of a long-celebrated award within the consumer reporting industry. President Maureen Devine was presented with the Director’s Award from the National Consumer Reporting Association for her tireless contributions to the industry (See right).
SIR’s longstanding commitment to the lending community is reinforced through the passion and dedication of people like Maureen. After three decades at their Springfield Location, SIR has begun a new chapter at their new office location in Holyoke, but the tradition of outstanding service continues. You can take a look at SIR’s full service listings online at strategicinfo.com, or call us at 800.332.9479 x310.
Eric Zorner has joined Embrace Home Loans as Branch Manager in the Warwick, RI office. He is overseeing all sales, administration, staff, and production, along with generating his own loans. Coming from Santander Bank where he served as Area Sales Manager, he brings valuable knowledge and leadership skills. Along with continuing to grow our Warwick office, Embrace has opened three new branches in New England, adding 23 loan officers and branch managers to the team.
Embrace is continually investing in innovative technology and programs. With our Approved to Move™ program, buyers can have a fully underwritten approval in hand before they find a home. This gives them an advantage over other potential buyers and is often used with our LOCK & SHOP, which guarantees a borrower’s interest rate for up to 90 days. Our Extended Rate Lock program locks the interest rate for up to 9 months with a float-down. And our proprietary Prime Jumbo offers loans up to $2.5M with competitive interest rates.
In order to help unconventional borrowers get loans, we introduced Beyond by Embrace. Beyond can be an ideal solution for people who own a business, are self-employed, or have low credit scores. For lenders and REALTORS®, it’s a great way to generate more business. Right now, we’re offering Lunch & Learn sessions that go over all the details and benefits of our progressive Beyond product.
For more information or to set up a Lunch & Learn, contact:
Eric Zorner
401.474.5011
800.333.3004 Ext. 3293
www.embracehomeloans.com/eric-zorner
Founded in Parsippany, NJ in 1999, Atlantic Home Loans, Inc. built a foundation of mortgage lending based on the passion to provide the people in our communities with a home of their own to build and share memories in their lives. Our Rhode Island locations are filled with some of the best leaders in the industry, with a few having over 30 years of experience in the mortgage industry. With full in-house processing staff, the support we are able to give all our clients really creates a personal experience that is highly valued.
AHL has been recognized by Executive Mortgage Magazine for the past five consecutive years as a Top 100 Mortgage Company in America, and this is owed to the personal bonds our staff build with each customer, or as we say, “each new member of the AHL family”.
Atlantic Home Loans, Inc. was also recently recognized as a 50 Best Company to Work For by Mortgage Executive Magazine. AHL has a strong company culture, one that recognizes the importance of a healthy professional and family life balance. Employees engage constantly in thanking and congratulating others on jobs well done, and boost confidence with unending moral support.
Something that sets AHL apart from many other companies is our Renovation Lending infrastructure introduced in 2017. This internal framework was built completely from the ground up, resulting in a very methodical and multi-faceted support system throughout the entire renovation loan process. Not only has our reno loan business increased since this introduction of this program, more importantly, this opened up a wide opportunity for our customers to achieve their dreams of homeownership in ways they may have never considered. We can now offer all renovation loan products such as 203-K, Homestyle and VA Reno with the additional support behind the scenes needed to ensure a smooth and near-effortless transition for our customers.
Our involvement with others extends past our doors. Atlantic Home Loans, Inc. is a proud member of a multitude of groups within our communities, including the Kent/Washington Board of Realtors, Greater Providence Board of Realtors, Northern RI Board of Realtor, and of course, proud RIMBA members! We’d like to thank everyone in our communities for their support and the opportunity to build such great, long-lasting relationships with every client we work with.
Who is Liberty Mutual?
Since 1912, we at Liberty Mutual Insurance have committed ourselves to providing broad, useful and competitively-priced auto and home insurance products and services to meet our customers’ ever-changing needs.
Our delivery on this commitment is the reason we’re now the third largest property and casualty insurer in the U.S. based on 2012 direct premium written according to the National Association of Insurance Commissioners.
Did you know Liberty Mutual writes for multiple carriers?
Liberty Mutual has now built its own agency platform and writes for over 10 carriers including Travelers, Progressive, Homesite, American Strategic Insurance, and more! This allows us to put our clients in the best possible situation if Liberty Mutual isn’t a good fit.
Meet our recommended insurance agent:
Dan Rayburg, LUTCF
I began my career with Liberty Mutual in 2011. In my tenure with the company, I have been fortunate enough to achieve many accomplishments including my prized 2018 Liberty Elite designation, recognizing the top 1% of countrywide agents! I was born and raised in North Attleboro, Massachusetts. I graduated from UMass-Amherst and majored in Corporate Finance. Community and family are extremely important to me. In my free time you can find me on the golf course, serving at my local church, playing with my nephews Griffin and Hendrix, or watching Tom Brady win another Super Bowl.
I have built my business off relationships and the referrals that come through the trust of my referral partners and clients. I would love to hear more about your business and see how our businesses align!
Dan Rayburg, LUTCF
Senior Sales Representative
Cell: 774- 406 – 6018
Email: [email protected]
First Home Mortgage Corporation is a licensed, full service, residential lender. For over 25 years, we’ve provided home financing solutions to home buyers; taking the time to understand the needs of our clients in order to accomplish their goal of homeownership.
Our History
Beginning with two offices and a handful of employees, First Home was dedicated to staying local and remaining independent. At present, we’ve grown into a financial institution of over 400 employees, licensed in 21 states in the North Eastern, Mid Atlantic, and Southern regions. Although we continue to grow and expand, each of our locations is deeply rooted in their community and committed to helping local borrowers.
Company Culture
At First Home Mortgage, our culture is based on the simple belief that everything we do is to improve the lives of the people we serve – not only our borrowers, but the referral partners and dedicated employees that have built our company. Our Loan Officers and support team make themselves available as mentors throughout the entire mortgage process and offer continued guidance long after a loan has closed. It is this personal approach that allows us to maintain such a high quality of service.
We have built a reputation among business partners as being efficient, responsible and forthcoming. The care and consideration we take in our lending practice is the reason why so many partners trust us with their clients. Together we work to provide the best experience for our borrowers.
Recent Accolades
In 2018, First Home helped over 9,700 families achieve the dream of homeownership. All First Home clients are invited to complete a survey after settlement, providing insight that improves our practices and service goals. Our client survey is completely 3rd party, which ensures honest reviews. To date, we have received over 2,200 survey responses with an average rating of 4.83 out of 5!
Why Us
Each member of our team is focused on delivering customer service that not only fulfills goals, but exceeds expectations. We provide an array of loan products backed by a team of product support specialists to address and answer any questions and scenarios. We also have an in-house strategic and creative marketing department available to help personalize individual and co-branded marketing material.
In the end, we provide the mortgage you need to make “Home” happen, but it’s the people who are always “First”.
For more information please visit our website www.firsthome.com.
Founded in Westerly, RI in 1800, Washington Trust holds the distinction of being both the oldest community bank in the nation and largest state-chartered bank headquartered in Rhode Island.
Washington Trust was recently recognized by American Banker and Bank Director as one of the top-performing midsized banks in the United States. It’s just the latest accolade for the organization, which has put together an outstanding track record of success for more than two centuries. The bank operates through a retail branch network in Rhode Island and Connecticut, as well as through mortgage, commercial lending, and wealth management offices located in Rhode Island, Connecticut, and Massachusetts.
Washington Trust is a special place because of our people. When you’re part of the Washington Trust team, you’re part of a 200+ year old company that values its employees. We believe employees who are valued, recognized, rewarded, and empowered will achieve personal and professional goals. At Washington Trust, we are committed to being the employer of choice by fostering a corporate culture where people matter.
Washington Trust attributes the growth and success of our mortgage department to three simple things: Robust Product, Streamlined Process and Real (Nice!) People.
Robust Products
Every borrower is different … we want to know their story, so we can offer them customized lending solutions that best fit their lifestyle. We strive to continually improve our product selection to meet the ever-changing needs of our marketplace. Regardless of your business generation model, we have the products to meet your needs.
Streamlined Process
Our mortgage professionals can focus on sales because we provide the backroom support to process applications quickly and accurately. We go to great lengths to create and maintain efficiencies throughout the mortgage loan process. We strive to augment our team with a service-oriented, results-driven approach to help them succeed.
Real (Nice!) People
It takes a team of people working every day and focusing on their strengths to create the tradition of success Washington Trust has achieved for more than two centuries. We are a talented group of Residential Lending Professionals with a great reputation in the markets we serve. We strive to be a work environment that balances our can-do culture with success.
Search our career openings and find out why Washington Trust was named one of the Best Places to Work in RI. Good things start here: https://www.washtrust.com/About-Us/Careers/Mortgage-Careers
Kriss Law, LLC/Atlantic Closing & Escrow is one of New England’s largest residential closing firms and one of the nation’s premier volume purchase money closing organizations. Founded in 2004, the company has grown through a commitment to service, price, and partnership with our Realtor and lender clients.
Throughout the company’s growth, we have maintained a small firm feel while offering the resources of a larger organization by strictly adhering to our “One Point of Contact System.” In all transactions, buyers, sellers, Realtors, and lenders deal with one central point of contact. This avoids confusion and helps our clients to form long-lasting relationships with our staff.
Kriss Law/Atlantic attorneys are available 7 days a week and after normal business hours. We have an attorney on call each weekend to meet any of our clients’ needs that may arise. For each weekend’s on call attorney, please visit our Facebook Page at: www.facebook.com/krisslawatlanticclosings/ or follow us on Instagram @krisslawatlantic.
At Kriss Law/Atlantic, we are always happy to travel anywhere at anytime to help make the closing experience a good one for our clients. Whether it is a borrower’s home, Realtor’s office, or even an airport in California, we will make it convenient for our clientele.
In addition to our service model, Kriss Law/Atlantic has forged a unique bond with the Realtor community via our Continuing Education Program. Since its inception in 2005, the Program has provided informative and interesting opportunities to earn credits toward license renewal for over 100,000 Realtors in New England and beyond. Our lender partners participate in the Program as well and hundreds of mutually beneficial mortgage/Realtor relationships have resulted.
While Kriss Law/Atlantic has been named Banker & Tradesman’s Best New England Closing Attorney for three consecutive years, we conduct real estate transactions in all 50 States and have many offices up and down the Eastern Seaboard.
Locally, our Rhode Island office at 10 Dorrance Street in Providence, has long served the Ocean State’s real estate community.
To schedule a Realtor continuing education event, easily obtain a fee quote from our online calculator, or read more about the firm in general, please visit us at www.krisslawatlantic.com.
We are always interested in speaking with anyone in the real estate industry about new, exciting, or outside-of-the-box ideas that may help to generate new business. Please contact us at [email protected] to schedule a meeting.
Why Caliber’s the best choice for your buyer clients
Competition between lenders in today’s residential mortgage industry is especially fierce, especially as rates are expected to continue to rise in 2019. But even in today’s sales environment, Caliber Home Loans, Inc. is continuing to thrive.
For example, during the last quarter of 2018, Caliber’s new purchase originations rose 21%, making us the nation’s fastest-growing non-bank lender*. During the same time, many regional and national banks saw a decrease in originations, with some downsizing or eliminating their home financing division.
In addition to our increasing new purchase business, Caliber services 96% of the loans we close†. This means that, instead of selling your clients’ loans to an unknown servicer with an unknown reputation, Caliber offers them real continuity during their borrowing experience, making it easy for me to establish a long-term business relationships, and to always be available to your clients to answer questions about their home’s financing.
Imagine:
- A mortgage company built around customer service, with the financial stability to compete in today’s evolving market
- Employees being at the heart of the company strategy
- LEADERSHIP that values everyone’s contributions
- Loans closing on time, and a shared commitment of exceeding customer expectations
- Technology that streamlines the underwriting process to help you close more loans
IMAGINE NO MORE:
You’ve found Caliber Home Loans, Inc.!
Why Caliber Home Loans?
Caliber Home Loans, Inc. is a full-service national mortgage lender and direct seller of FNMA, FHLMC and GNMA products.
Strong Capital Foundation
- Backed by several billion in capital investments
- Poised for long-term growth
Operational Support
- Commitment to proactive communication and teamwork
- Delivering superior service
Sales-Centric Culture with Production Support
- Innovative ideas encouraged and rewarded
- New strategies based on feedback from our sales force
Servicing Portfolio
- $140 billion* Servicing Portfolio
- Leverage for favorable customer experience from Originations through Servicing
State-of-the-Art Technology
- Origination system with a single sign-on
- Loans completed via a paperless process
Proprietary Marketing Portal
- CaliberAMP (Automated Marketing Plus)
- Differentiate yourself in the marketplace
CLICK TO ENLARGEFor more information, please contact:
Kris Cummings
Branch Manager, NMLS ID: 4800
620 Main Street
East Greenwich, RI 02818
Direct: 401-855-5712
Office: 401-203-0608
Fax: 844-528-9421
Email: [email protected]
People’s Credit Union: We Don’t Just Close Mortgages, We Open Doors!
With close to a century of providing lending services to Rhode Islanders, People’s Credit Union is one of the state’s most trusted mortgage providers. Backed by the philosophy of people helping people, our experienced and dedicated Mortgage Loan Officers work tirelessly on behalf of their borrowers and have strong relationships with local realtors and the community at large. As an organization, People’s Credit Union upholds its core value of Enhancing the Communities We Serve by supporting many local charities and nonprofits and by volunteering countless hours to improve the lives of deserving Rhode Islanders. We are in the business of building relationships and we are proud to be named one of the Best Places to Work in Rhode Island for a 6th straight year.
Why choose People’s Credit Union?
- Local lenders, local decisions, state-wide coverage
- Available when you are
- High tech, high touch
- Free preapprovals and fast closings
- Low down payment options & 1st time homebuyer programs
- 100 % financing for qualified buyers
Meet Our Team
https://www.peoplescu.com/mortgages/mortgage-loan-officers/
Karen Vebber, Mortgage Loan Officer
401.846.8930 ext. 1226
NMLS ID#715432
Diane Crosby, Mortgage Loan Officer
401.846.8930 ext. 1311
NMLS ID#1247496
Kari Reardon, Mortgage Loan Officer
401.846.8930 ext. 1326
NMLS ID#715427
Charles Foley, Mortgage Loan Officer
401.846.8930 ext. 1296
NMLS ID#19272
With six branch locations in Middletown, Newport, Portsmouth, Bristol, Wakefield, and North Kingstown, Peoples Credit Union is just one click or call away. peoplescu.com or 800.498.8930 Ext. 4
People’s Credit Union NMLS ID# 439939. 858 West Main Rd., Middletown, RI 02842. For information purposes only and is not a commitment to lend. Restrictions may apply. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation, acceptable appraisal, and market conditions.
Don’t settle for anything less than the best. As a Mortgage Development Officer at Santander, we’ll help your talents take off.
Our careers are a hot property for a lot of reasons.
The main one? Success. We give our Mortgage Development Officers everything they need to succeed. From a great portfolio of in-house products to the latest platform technology, when you join us you’ll get the boost to achieve powerful growth and reach your goals.
That’s good for you and for Santander. So, wherever your coming from, hit the ground running and join a growing part of our business at a pivotal time. Achieve more with a Mortgage Development Officer career at Santander, and discover a bank where you can build bright futures. For yourself, and our customers.
Work strong and prosper with:
- Great portfolio of in-house products
- Best-in-class jumbo loans
- Conventional loans
- CRA programs with a network support team
- Home construction programs
Where we hire:
- Opportunities exist throughout our footprint in the following states: CT, MA, NH, NJ, NY, PA, RI.
For more information, please contact:
hn Doyle
TRG Lender Services is a leading provider of title and settlement services to the financial services community. Banks, Credit Unions, Mortgage Lenders, Mortgage Servicers and Institutional Investors in Rhode Island and throughout the country place their trust in our expertise and scope. Our product and service offerings, designed by lending veterans, are an extension of our clients’ value. From single property transactions to large portfolio acquisitions our national team of experts will assist you. In addition to over 465 national locations, TRG Lender Services operates three centralized production facilities covering all time zones.
We are part of the Title Resource Group (TRG) Family of Companies a driving force in the title and settlement services industry. TRG can handle all your title and closing needs Coast to Coast serving all 50 states and the District of Columbia. TRG is a subsidiary of Realogy Holdings Corp. (NYSE: RLGY) a global leader in the Real Estate services Industry owning and franchising some of the most recognizable brands in Real Estate.
TRG Lender Services offers Private Label, Digital and Traditional delivery solutions for you and your customers. Regardless of what solution you choose you can be rest assured that you and your customers data is safe and secure, as for over a decade, TRG has had a formalized cyber security program in place. Our commitment to Secure and Compliant delivery of our solutions positions TRG as an ally that can act as an extension of your brand and service delivery model. At TRG Lender Services we are dedicated to Remarkable Service, so If you’re looking for more than another ordinary vendor, then give us a call as TRG + YOU = BETTER TOGETHER.
For more information on TRG Lender Services, please visit www.RemarkableSvc.com or contact:
Andrew Michelson
Vice President – National Sales
Title Resource Group – Lender Services
P: 401-954-9716
Email: [email protected]
https://www.trglenderservices.com/andrew
Office Location in Newport, Rhode Island
Fisher Appraisal Services is a full-service real estate appraisal company, founded in 2006 by Paul Fisher. Centrally located in northern Providence County, we have a full staff of appraisers covering Rhode Island, Connecticut and all of Massachusetts (including the Cape and the islands).
Our highly qualified and experienced appraisers, along with our investment in technology, provide the highest-quality appraisal reports with a turnaround time that meets your needs.
Our appraisers are very familiar with their own “territory”… We all know what happens when you send an appraiser from Boston to Block Island, or from Connecticut to Brookline! By using only the most qualified and locally familiar appraisers, we are able to provide reports that are the most accurate and complete, avoiding costly delays and revisions.
Our services include appraisals for single-family and multi-family residential property, as well as some commercial uses. We offer reports for traditional FNMA mortgages, as well as equity loans and PMI removal. We have FHA-certified appraisers, fully familiar with the unique requirements of government-insured loans, and are experts in appraisals for the construction loan process. Our team can service legal and financial professionals with appraisals for divorce or estate purposes. We also specialize in custom appraisals for investment planning and portfolio lending, and offer pre-listing services so that real estate professionals and home owners can sell with confidence.
We are familiar with all of the most current electronic ordering and delivery systems, to streamline and simplify your processing. And your phone calls are always answered promptly and personally by the owner, Paul Fisher.
Paul Fisher
President
Fisher Appraisal Services Inc
(781) 603-5542 Phone
(781) 241-0397 Efax
[email protected]
www.fisherappraisalservices.com
Fairway Independent Mortgage was founded in 1996 by Steve Jacobson, and named by a childhood best friend, colleague and forever member of the Fairway family, Randy Cross, Fairway Independent Mortgage Corporation is a mortgage banker headquartered in Madison, Wisconsin and Piano, Texas.
At Fairway, customer service is a way of life. Fairway is dedicated to finding the best rates for customers and also offers some of the fastest turn times in the industry. The goal is to act as a trusted advisor providing highly personalized service and helping you through every step of the loan process. It’s all designed to exceed expectations, guarantee satisfaction, and earn trust.
“Since opening our doors in 1996, we have not only been dedicated to providing unparalleled customer service but also to our continuous growth. Fairway now employs more than 6,800 team members including over 1,500 producers and over 690+ branches nationwide. Over the years, our team has helped thousands of Americans achieve their dream of homeownership. With a strong focus on purchase business we continue to grow each year”
Fairway has developed a non-profit, The American Warriors Initiative, under the direction of Louise Thaxton and Captain Sean Parnell.
- The objective of the non-profit American Warrior Initiative 501(c)3 is to educate, encourage and inspire Americans to give back to our military.
- The non-profit is administered by Fairway staff which allows us to utilize 100% of all funds raised for our local veterans
- Over the last 5 years, charitable contributions to veterans have exceeded $4 Million
Our goal is to try to help veterans feel for more comfortable at home and to help civilians understand what our veterans have gone through. AWI has taken this message to over 20,000 real estate agents and other business professionals around the country bringing awareness of the challenges facing the men and women who have served in the military when returning from war. They have also spearheaded over 50 give-back initiatives for wounded heroes of America. These wounded heroes have been served through mortgage-free housing, business grants, home upgrades, service dogs and more. Click here to learn more about the AWI.
Jon Bowen, Christene Comolli, and Chiara Comolli joined Fairway in 2018. Jon and Christene have been in the mortgage business for over 30 years and Chiara has grown up in the business. They have worked in all aspects of the mortgage business including origination, processing, closing, underwriting, secondary marketing, management and servicing. This experience has allowed them to gain a comprehensive knowledge of the importance of keeping their borrowers first and foremost at all times. They will work with a borrower to provide education on the responsibilities that go along with homeownership from the time they start looking for a home until the time they pay off their mortgage.
Jon and Christene joined forces in March 2018 to create the Military Mortgage Team. The Military Mortgage Team is dedicated to spreading the word and assisting the American Warriors Initiative help our military in our local communities. As a team; they will provide education to our military and to the civilians who can assist them with their simulation back to civilian life. The Military Mortgage team is dedicated to serving our community and assisting our veterans with any needs they incur as well as providing VA mortgages to our deserving men and women.
The Military Mortgage Team works closely with the RI Army National Guard to participate in events that benefit our service men. Check out the upcoming events page on our web site.
For more information, please contact:
Christene Comolli
Senior Loan Officer
NMLS# 83175
124 Washington Street, Suites 302 & 304
Foxboro, MA 02035
Cell: 401-575-2176
My name is Paul J. Byron Jr, President of South County Mortgage Corporation. Mostly I am known as PJ Byron, as it got confusing working with my father with the same name and people calling in looking for one of us and often getting the other on the phone.
Many of you knew my Father Paul J Byron Sr. who started our company in 1995. Shortly after he brought me into the family business and I have been running South County Mortgage since 2009 when he retired.
Sadly he passed away on January 2nd 2016 but our company and his legacy remain strong.
I have been in the mortgage industry for over 20 years at this point. Over that period I have seen many changes in the industry some good some bad.
Greedy Wall Street Investors who Developed, Bought & Sold mortgage programs like 1% Option ARMs as you surely have heard put our industry in a state of peril.
Never in my 20 years in the business did we ever see it so hard for a consumer to get a mortgage loan.
South County Mortgage did not participate in those programs and is one of the many reasons why we are still around today while many other companies went out of business years ago.
Now more than ever you need the professional services of South County Mortgage.
Here are just a few reasons why….
#1 Better than Bank Rates – is not just a slogan, it’s a fact.
Our daily mortgage rates are usually .125% to .250% lower than any local or national banks. Unlike most Banks that post their rates weekly our rates change daily sometimes hourly giving you the best opportunity to hit the low spot of the rate cycle and obtain the best rate. Our loan officers monitor the market to the minute giving our customers a full time mortgage rate manager.
#2 Better Than Bank Service – is not just a slogan, it’s a fact.
When you choose SCMC you are literally hiring a Professional Licensed mortgage manager to obtain a loan for you. We work exclusively for you, not the banks or the realtors. South County Mortgage is one of the most technologically advanced companies in the industry. Our website and processing systems are all designed with one goal in mind, to make it easy for a customer to complete a loan request as fast and pain free as possible.
#3 Experience – Our loan officers have an average of over 20 years of experience each in the mortgage industry so you are assured you are working with someone who has the knowledge to complete your loan application with the best possible Rate & Terms in the fastest time frame often closing loans in less than 20days and with a record of 6 business days. Unlike most Bank employees who are salaried and have no incentive to get your loan closed our loan officers are paid 100% commission to ensure their vested interest in completing you your loan request in an honest and timely fashion to earn your referrals.
Also did you know working with a Loan Officer at a Local Bank you are NOT dealing with a Licensed Loan Officer? As brokers we go through countless hours of training and yearly continuing education. We go through Background checks and credit checks as well. At a bank you can have bad credit and a criminal background and still be trusted with a consumers most trusted information. A few years ago these changes were made in our industry and it drove all the people with credit problems and criminal backgrounds to the banks to remain employed because the big banks did not adopt the same standards as we the brokers did.
At a bank you deal with basically the guy at the pizza counter. They take your order and hand it off to the cook or in their case their back room of underwriters and hope the order translated properly and you get what you ordered.
At South County Mortgage your Loan Officer is also your cook so there is nothing lost in translation and you always get what you order.
#4 More Selections – Unlike Banks who often only offer their own limited product selection we offer mortgage programs from over 20 different lenders all specializing in one product or another. Having the experience to choose the right lender for our customer is crucial to being able to obtaining the best possible loan for our clients with the least amount of aggravation.
We have National Lending Strength with Local Lending Expertise!
#5 Community Involvement – South County Mortgage has been involved with Rhode Island communities since our inception in 1995. We have been the proud sponsors of countless youth baseball and soccer leagues across the state and recently one of teams went undefeated and won their league championship.
We treated the team and their families to a day at the ball park afterwards at McCoy Stadium with a behind the scenes tour and a Pizza party afterward.
Our Make RI Animal Shelters #1 Program where we donated $100.00 to each and every one of our customer’s hometown animal shelters was the first of its kind and made services available to stray and abandon animals that never would have been available without the funds we provided. We received daily phones calls from shelter managers thanking us for helping to provide services to these animals such as medication, operations and extended boarding that helped place these animals in great homes.
One particular call came from the North Kingstown Shelter where a stray dog named Ko Ko had been hit by a car and needed his rear leg amputated or he was likely to be euthanized. These funds donated to the shelter paid the veterinarians bill for the operation and Ko Ko is now in a happy adopted home.
Another call came from John Holmes the Manager of the Pawtucket Shelter. He had discovered a home on Stephanie Drive in Pawtucket with over 40 abandon cats in it. The cats were in terrible condition and were in need of immediate medical assistance which the shelter did not have the funds to provide and all were certain to be euthanized. We stepped in and donated $4000.00 dollars for the care and boarding of these animals until all were adopted. We received a Resolution from The Pawtucket Town Council.
#6 We LOVE What We Do – To be the best you have to enjoy your job. At South County Mortgage our employees with an average of over 20 years each in the business enjoy helping their clients and thus are some of the best in the industry and are proud to work with an organization like ours.
#7 WE DO NOT SELL YOUR INFORMATION – Many banks and lenders like Lending Tree etc. sell your information to others looking for leads on potential clients that they either couldn’t help or customers that chose not to do business with them after seeing their higher rates or closing costs. South County Mortgage will NEVER sell your information to anyone!
I am the president of the company and I hand out my cell # to all of our clients. You can often find me helping our clients directly and not handing off to other people.
You have my personal guarantee you will be satisfied with our services.
South County Mortgage is currently looking to expand and we are looking to hire the following positions so please feel free to reach out to me directly if you would like to join our team.
-Marketing Strategist
-Sr Loan Officer
PJ Byron
President
South County Mortgage NMLS # 2302
561-D South County Trail
Exeter, R.I. 02822
NMLS# 24931
401-583-4150 Phone
401-583-4153 Fax
401-626-5983 Cell
RIMBA Member: David Tregoning
Lakeview Loan Servicing is a Correspondent Lender and buyer/seller of Mortgage Servicing Rights as a part of the Bayview Acquisitions Family of Companies.. Through Lakeview Loan Servicing and Bayview Loan Servicing, the company(s) buy Agency AND Non Agency Correspondent Loans and Mortgage Servicing Rights that are originated by Retail and Third Party sources.
Lakeview Loan Servicing is committed to Affordable Housing and purchases and purchases Special Loans with Down Payment Assistance, Low Payment Loans like LPMI, and loans that are helping in the development of rental properties. Lakeview also purchases Flow Co-Issue MSR through Traditional Execution, SET, and PIIT.
Bayview Loan Servicing is committed to the underserved borrower and purchases loans that just miss Agency AUS Approval. Loan Programs with a little bit higher DTI Allowance, more Liberal Income History Guidelines, and Asset Utilization for income allow responsible borrowers to get access to housing loans for their Dream Home and Community Investment.
For more information, please contact David Tregoning:
Phone: 781-424-6463
Email: [email protected]
With over 75 years of combined experience It doesn’t matter what type of residential property is in question. Our extensive field work and education as Certified Residential Appraisers make us qualified to provide home valuations in all of MA, RI, & CT for clients ranging from national mortgage companies to local lenders or individual businesses and consumers.
Appraisals aren’t just for underwriting loans – we’re also on call for:
- Setting a home’s listing price
- Lowering your mortgage payment by removing PMI
- Divorce/Estate settlements
- Increasing your HELOC
(Home Equity Line of Credit) - Challenging your home’s assessed value
- Documenting present or past market value
Gordon Appraisal Company, Inc. relies on technology to save you time and money. We also believe that no matter where you go, service is the primary reason a client comes, goes, stays or refers their friends. We’re always mindful of this whether you’re talking to us on the phone, in e-mail or conversing in person. Our objective is an unbeatable experience for our clients. Call us today and let us prove to you why we’re different.
How To Contact Us
| By Phone: | (401) 658-5000 (Office) |
| By Fax: | (401) 658-4949 (Fax) |
| By e-mail: | [email protected] |
| Address: | Gordon Appraisal Company, Inc. 6 Blackstone Valley Place; Building 4 Lincoln, RI 02865 |
| Website: | www.gordonappraisal.com |
Secure. Comply. Save.
Compass IT Compliance, LLC is an IT Security, Audit, and Compliance Firm headquartered in North Providence, RI. Compass works with organizations of all sizes in a variety of vertical markets to help them secure the sensitive data that they possess, comply with the various federal, state, and industry regulations required to conduct business, and save time, money, and resources in the process. All of our IT Auditors and IT Security Professionals carry industry leading certifications (CISA, CISSP, PCI-QSA) as well as an average of 10 years of IT Auditing and Risk Assessment experience.
We are passionate about providing our clients with the highest level of service possible to ensure they are satisfied with our services while mitigating their risk of a breach. As evidence of this, Compass IT Compliance has been named as one of the Best Places to Work in Rhode Island for the past 2 years as well as being named one of the 5,000 Fastest Growing Companies in the Country according to Inc. Magazine.
Our goal is to not only assist our clients in mitigating their overall risk of a breach but to educate them on the changing cybersecurity threat landscape and keeping them informed of changes to the various federal, state, and industry regulations they must comply with. To accomplish these, our team of IT Audit and Security professionals speak at conferences and tradeshows across the country on these critical topics. In addition, we host a free, monthly webinar series on the latest trends in Information Security and Cybersecurity, so organizations can prepare and mitigate their risk of a breach. Finally, on October 25, 2018 we will be hosting our 2nd Annual Cybersecurity Symposium where we will bring thought leaders from across the country from various backgrounds to share their experiences, the trends they see developing related to cybersecurity, and tips on how to mitigate your overall risk of a breach.
If you have any questions related to IT Regulatory Compliance or Cybersecurity, give us a call as we would love to chat with you about your specific situation and needs.
Compass IT Compliance
2 Asylum Road
North Providence, RI 02904
(401) 353-3024
Apple Valley Insurance is a family owned second generation insurance agency that was started by Donald Brush in 1962. Our friendly and knowledgeable team members live in the local community. We operate with three principles:
- To provide protection for the families of our community, while treating them as a neighbor, not a number.
- Make our world a better place by supporting education, charities, and youth activities.
- Enjoy life.
As an Independent Agent, we can offer you choice of multiple insurance companies, coverages, discounts, and options. Our focus is to match the insurance program with your needs.
Giving Back
We also have a referral program called ‘G’ is for Gratitude. For every person who contacts us for a quote that says they were referred by you, we give $10 to charity. The person you refer doesn’t have to purchase insurance from us for your referral to count.
Nancy Mendizabal and David Brush
We look forward to working with you for years to come.
Apple Valley Insurance
528 Putnam Pike
Greenville, RI 02828
(401) 949-0559
AUTO – HOME – BUSINESS – LIFE – HOME BUYER DISCOUNTS
2018 Relay For Life Training
Wells Fargo Funding
Wells Fargo Funding is one of the nation’s leading residential mortgage investors. You can feel confident with a dedicated team of experienced mortgage professionals – industry veterans like Colleen Cawley – focused on helping you achieve your goals now and in the future.
With more than 25 years of leadership as a mortgage investor you can rely on us to provide:
- A wide range of products to meet your borrowers’ needs.
- Innovative delivery options (including Bid tape with Assignment of Trade and Bifurcation) to meet your business needs.
- Clear and consistent communications which keep you informed of product, program, and process changes that may help improve your execution.
- Free market workshops, webinars, and other resources designed to help you uncover new opportunities and reach diverse markets; and,
- High quality, high touch support to help with any questions you may have.
That support begins with Colleen Cawley, Regional Sales Executive, and a 25 year veteran of the mortgage industry serving the New England region, including Rhode Island. Colleen has worked extensively with Correspondent lenders throughout her career and has a strong track record of working closely with her clients to grow their business.
Colleen can help you build your business by ensuring you get the most out of the tools, training, resources and service options available from Wells Fargo Funding. She holds an MBA from Bryant University, and is located in Westport, Mass.
If you’re interested in becoming an approved Seller with Wells Fargo Funding or simply want to connect with Colleen, she can be reached at (610) 405-6213, or send an email to [email protected]. You’ll also find more information at wellsfargofunding.com.
Count on our commitment.
Topouzis & Associates, P.C. is a boutique real estate law firm where the customer and client have always come first. We strive to provide top notch customer service combined with high level professional real estate conveyancing.
The firm has offices in Warwick, Rhode Island and Miami, Florida. In addition to being licensed in Rhode Island and Florida, Mr. Topouzis is also licensed in Massachusetts, the District of Columbia, New York and New Jersey.
The firm has four attorneys and a support staff that provides exemplary services in these markets with years of experience.
Our concentration is in real estate transactional work with an emphasis on both residential and commercial closing transactions.
The firm represents buyers, sellers, lenders as well as the real estate agents working with these parties on all aspects of the transaction, including but not limited to the negotiation and drafting of the purchase and sales agreements, conducting title examinations, and performing title curative functions. We have access to technology and resources that set us apart from all other firms. Given the opportunity, we strive to achieve excellence.
We are not the typical firm that works 9 to 5. Rather we here at Topouzis & Associates, P.C. are very accommodating in meeting the needs of all parties involved in every transaction. The parties do not have to come to our office to close. We are happy to provide flexibility in closing the transaction where it is most convenient for the parties involved.
Additionally, we believe that communication is crucial on these transactions. As such, we are accessible by phone, email and even cell phone because we have all had transactions were an issue arises after hours and there is an immediate need for a helping hand.
If you have a buyer or borrower who needs to close on a purchase or refinance, give us a call. We are the partner in the process who you would expect to have.
THE FACES OF
RESIDENTIAL MORTGAGE SERVICES
Warwick, RI Team
Anne Horvath, Branch Manager, NMLS# 21445
Ashley Borden, Sales Manager, NMLS# 16411
Bill Huggins, Loan Officer, NMLS# 21452
Kim Jillson, Loan Officer, NMLS# 80137
Margy Thurber, Loan Officer, NMLS# 270542
Vicki Larson, Loan Officer, NMLS# 186700
Mike Amaro, Loan Officer, NMLS# 176076
David Bottone, Loan Officer, NMLS# 16414
Lincoln, RI Team
Scott Lacey, National Renovation Manager, NMLS# 8154
George Pedro, Sales Manager, NMLS#21517
Rick Marini, Loan Officer, NMLS# 21837
The Rhode Island team of Residential Mortgage Services (RMS), with over 150 combined years of experience, is committed to making your home financing experience as simple, straightforward and personable as possible. RMS is a direct lender with a full spectrum of integrated loan processing, underwriting and direct funding – all under one roof! Whether you’re looking to purchase a new home or refinance, the mortgage experts at RMS can help you find the option that’s right for you: Conventional, Jumbo, FHA/VA/USDA, Renovation and Rhode Island Housing loans. RMS is ranked #3 in the state over-all for RI Housing and the only non-bank delegated lender for RI Housing.
The dedicated Loan Officers and incredible support staff at RMS take great pride in understanding each borrower’s unique needs and doing everything possible to support and guide them through each step in the home financing process. They are committed to being lifetime mortgage professionals, ready to assist you at any point in the future. Fast, friendly, focused – that’s how RMS guides you home.
100 Jefferson Boulevard, Warwick, RI 02888, 401-228-8558, www.RMSmortgage.com/Warwick
14 Breakneck Hill Road, Unit #LL1 Lincoln, RI 02865, 401-214-4715, www.RMSmortgage.com/Lincoln
For information purposes only and is not a commitment to lend. Programs, rates, terms and conditions are subject to change at any time. Availability dependent upon approved credit and documentation, acceptable appraisal, and market conditions. Not all programs available in all areas. Residential Mortgage Services, Inc. is a Maine Corporation headquartered at 24 Christopher Toppi Drive, South Portland, ME 04106. NMLS#1760; www.nmlsconsumeraccess.org; Equal Housing Opportunity; RI Lender License #20092626LL; RI Loan Broker License #20122931LB; CT Mortgage Lender License ML-1760; MA Mortgage Lender & Broker License #MC1760; ME Supervised Lender License #SLM2537; NH Mortgage Banker License #8816-MB; District of Columbia: Mortgage Dual; Authority License MLB1760; MD Mortgage Lender License #21114; Licensed by the N.J. Department of Banking and Insurance; Licensed Mortgage Banker- NYS Department of Financial Services; PA Licensed Mortgage Lender #44857; www.nmlsconsumeraccess.org; Mortgage Lender/Broker, VA Corp. Commission #MC-5816; Operating as RMS Mortgage in FL, FL Mortgage Lender License #MLD232; Delaware License #017813; Expires on 12/31/2018; Equal Housing Opportunity
Convenient. Trusted. Seamless … MERS and the MERS® eSuite.
You depend on technological innovations to delight your borrowers, gain efficiencies, and reduce your processing costs. MERSCORP Holdings, Inc. provides these innovative solutions!
MERSCORP Holdings owns and operates the MERS® System, a national electronic registry system that tracks the changes in servicing rights and beneficial ownership interests in mortgage loans that are registered on the System.
Over 5,000 companies nationwide, including originators, warehouse lenders, servicers, investors, and vendors all benefit from using the MERS® System.
The time is now – elevate your business with eNotes!
MERSCORP Holdings has been ready for the digital mortgage since 2004, when we launched the MERS® eRegistry, the national mortgage registry and legal system of record for identifying the Controller (holder) and Location (custodian) for the authoritative copy of a registered eNote. Today, we are proud to play a larger role in the digital mortgage ecosystem by offering the MERS® eSuite, comprised of the MERS® eRegistry, MERS® eDelivery, and MERS® eNote Solutions.
MERS® eNote Solutions supports the generation, signing, vaulting and management of eNotes in a single platform that is fully integrated with the MERS® eRegistry and MERS® eDelivery.
By implementing MERS® eNote Solutions, originators can take the first convenient step towards going digital, while providing a better borrower experience at the closing table and benefiting from an improved audit trail, process efficiencies and faster delivery to the secondary market. Lenders can save time and money by leveraging their existing vendor relationship with MERS and conducting one integration to get up and running with the MERS® eRegistry and MERS® eNote Solutions.
The industry is moving forward – and we are here to help you evolve with it!
Learn more at www.mersinc.org or contact Laurinda Clemente at 978.337.6892.
July 30, 2018
Sierra Pacific Mortgage
Sierra Pacific Mortgage, with headquarters in Folsom, California, provides quality mortgage lending services throughout the United States. Jim Coffrini is our company’s President and has steered the company’s vision and success since its inception. Very simply put: Promises Made, Promises Kept.
Incorporated in 1986, we are a privately held company and have originated and purchased billions of dollars in residential loans. Licensed in 49 states, our high company production levels and access to sophisticated capital markets enable us to deliver competitively priced products to brokers, retail originators and consumers through retail, wholesale and correspondent business channels.
Sierra Pacific Mortgage: North Providence Branch
A successful mortgage starts with a personal touch with our one-on-one meetings in order to understand your financial goals as well as what you can afford before you shop. From there, our team can help you make the smartest choice from a full range of loans including: Conventional, FHA, FHA 203K, USDA, VA, Jumbo loan options. We also offer RI and MA Housing programs, as well.
We are committed to providing timely, helpful communication and friendly, skilled service. Your goals are our goals, whether it’s buying your first home, remodeling an older home, or getting cash out for your next adventure—we’ll always make it a priority that your loan meets your short-term and long-term financial needs.
Peter Nastasi
Retail Branch Manager
NMLS ID# 17073
401.533.5390
Heidi Rogers
Loan Officer
NMLS ID# 20829
401.533.5396
Mark Shea
Sales Manager/ Sr. Loan Officer
NMLS ID# 46892
866.467.8600
Renee Diorio
Loan Officer
NMLS ID# 677742
401.533.5399
Marissa Nastasi
Loan Officer/Loan Processor
401.533.5395
Jennifer Cammack
Loan Processor
401.533.5391
Victoria Griffin
Marketing Assistant
401.533.5392
July 23, 2018
Mortgage Network: The Best Kept Secret in Mortgage Banking
Three decades of experience makes Mortgage Network, Inc. one of the East Coast’s most trusted mortgage providers. The company was founded by Robert McInnes in 1988 and has since grown to more than 40 branch offices, including our headquarters in Danvers, Massachusetts. Mortgage Network’s unique combination of proprietary technology, operational experience, diverse product menu, and obsession with customer service has made the company a leader in the mortgage business.
Our success shows in the satisfaction of our clients and employees. In 2018, Mortgage Network was voted the #6 Best Place to Work in the Greater Boston Area (Boston Business Journal) and the #15 Best Company to Work for in the United States (Mortgage Executive Magazine). We also boast over 98% customer satisfaction, which speaks volumes to our absolute commitment to providing world-class service.
At Mortgage Network, we’re not just lenders—we’re innovators in technology. Our cutting-edge, paperless loan origination system has been featured in Tomorrow’s Mortgage Executive and recognized by Fannie Mae because it makes everything easier—for everybody.
With our technology, borrowers can upload documents, view products, sign disclosures electronically, and receive an underwritten loan commitment in as little as two days. Behind the scenes, our platform is fully-integrated with best-in-class customer relationship management, pricing, and secondary systems and vendors. Documents are created and delivered into our global document system for easy processing and underwriting, and our automated co-branded marketing campaigns help nurture our leads and build impenetrable customer loyalty.
At Mortgage Network, we make things happen. As a privately-owned mortgage company, we are able to custom build our branches for local markets and cut through red tape with our flat management structure. We also offer an incredible range of loan products, so we can get our borrowers the best mortgage for them.
We commit to providing every eligible borrower with the best home finance solutions, the most attractive terms, and the highest level of service possible. It’s that simple.
For more information, please visit www.mortgagenetwork.com or contact:
Jonathan Salinger
District Manager – NMLS: 441854
Mortgage Network, Inc.
Corporate NMLS: 2668
401-524-4900
Mortgage Network, Inc. NMLS ID# 2668 155 South Main Street, Suite 30, Providence, RI 02903. Rhode Island Lender License 95000456LL and Loan Broker License 20163256LB; Connecticut Mortgage Lender License 3785; Massachusetts Mortgage Lender and Broker MC2668. This is not a commitment to lend. Restrictions apply. . For full legal disclosure, visit www.mortgagenetwork.com License and Disclosure Information page. Equal Housing Lender.
July 16, 2018
Home Point Financial® Third Party Origination – Helping You Build Your Business
Home Point Financial is focused on delivering exceptional service to our partners and their customers. Our Third Party Origination channel strives to ensure fast, efficient loan delivery to wholesale broker and correspondent non-delegated clients.
How do we do this?
By offering regional operations teams dedicated to fulfillment, an easy-to-use loan submission system and direct access to underwriting.
In addition, our warehouse lending facility, NattyMac, provides solutions for emerging brokers to experienced bankers.
Wherever you are…whatever the status of your loan, our superior customer service keeps you in the loop – our support team is accessible, responsive and responsible. Simply put, we focus on the details so you can focus on growing your business. Our leading-edge technology and comprehensive product suite make us a convenient, one-stop shop for loan origination and fulfillment.
Why work with Home Point? Because, in this complicated, highly-regulated mortgage climate, we work hard to make your job easier…our team is your team.
And, our cultural philosophy can be summed up in two words – We Care. We care about our customers, each other, our industry, our communities and the results we can achieve together.
To partner with Home Point Financial (NMLS #7706), contact Chris Camirand at 401.617.8769 or email [email protected].
July 9, 2018
GENWORTH MORTGAGE INSURANCE
Since 1981, Genworth Mortgage Insurance has worked with lenders and other partners nationwide to help people responsibly achieve and maintain the dream of homeownership. We ensure the broad availability of affordable low-down payment mortgage loans via private mortgage insurance. Our focus on enhanced underwriting and customer service capabilities allows for a simplified process for our lender partners to grow their business.
At Genworth, we focus on the bigger purpose of why mortgage professionals are in this industry in the first place. It’s about getting people into homes and keeping them there. Together with lenders and homebuyers, we all play a role in making homeownership more attainable.
In Partnership with Our Customers
Genworth has all the MI products you’d expect, but we want to be more than that. We want to be your trusted partner and go-to mortgage insurer. So, we’ve made significant changes and improvements to make that happen. To be faster and nimbler than we ever were before. To offer the level of customer service you deserve. To provide you with knowledge and training that can help you and your business. To have technology in place that makes us more responsive and easier to work with. And, of course, to offer the competitive rates and guidelines you need to be competitive yourself. This is how we can best help you to help your customers. Long live the American Dream.
Whether you’ve known us and worked with us for years or you’re considering Genworth Mortgage Insurance for the first time, you’ll find a full complement of products and services to help you and your homebuyers:
- Competitive rates and guidelines
- Technology that saves you time in the origination process
- Award-winning website
- Expert guidance from our ActionCenter®, regional underwriters, and appraisers
- Seasoned, knowledgeable sales and underwriting teams
- Comprehensive training programs for you and your staff
- Innovative products like Homebuyer Privileges® and Homebuyer Education
Contact your Genworth MI sales representative, Peter Yetman, at 617 429.5166 or [email protected] to learn more about what we can do for you and your homebuyers.
Let’s help someone buy a house today.
July 2, 2018
Fidelity National Financial – Strength. Expertise. Service
Fidelity National Financial, Inc. (FNF) is proud to be the largest underwriter of independent title agents in the country. Our agents, and their staff of para-professionals, work tirelessly each day to ensure a seamless real estate experience. Our talented FNF’s employees are passionate about supporting our title agents by providing products, services, solutions, education and the expertise that allow our agents to succeed and grow.
As the nation’s largest title insurance company, FNF is the leading provider of title insurance and transaction services to the real estate and mortgage industries. Our title insurance underwriting brands include: Fidelity National Title, Chicago Title, Commonwealth Land Title, Alamo Title and National Title of New York. As a group, FNF’s underwriters collectively issue more title insurance policies than any other title company in the United States.
FNF offers real estate services in 49 states, the District of Columbia, Guam, Mexico, Puerto Rico, the U.S. Virgin Islands and Canada. Moreover, our legacy of financial strength provides an unrivaled level of security and protection for its policyholders. FNF is consistently recognized as an industry leader by highly-respected organizations including:
- Named to the Fortune 500 on an annual basis
- Highest Ranked FORTUNE®500 in the Title Insurance Industry
- Selected by Fortune as one of America’s Most Admired Companies
- Identified by Forbes as a Global 2000 Company
- Chosen by Forbes as one of The World’s Best Companies
- Selected by Forbes as one of the Best Managed Companies in America
- Named by Forbes to the Platinum 400: America’s Best Big Companies
Our commitment is not just a word – it is a conviction. FNF takes pride in our desire to serve our clients to the best of our ability.
For more information, contact our Rhode Island office at (401) 450-3800, and ask to speak with one of our sales executives.
June 25, 2018
Interview of a Loan Officer at Webster Bank
How long have you been a LO?
29 years
What different ways do you market yourself?
Anything from the standard. Figure out a niche and market that. For example there are few lenders that do land loans so I send out a piece to every land listing that comes on the market. There are others too. CRA, portfolio, Home Ready in low to mod income areas. I find it amazing how many realtors do not know these products exist. I do extensive marketing to past customers which Webster pays for and does all of the work.
What do you look for in a lender?
Competitive pricing, product, portfolio, comp plan and very important is the service levels – if the lender can’t deliver quality service then the saying you are only as good as your last deal is true.
What attracted you to Webster Bank?
As crazy as this sounds, initially it was the Keurig machine in every branch so customers could make themselves a cup of coffee which spoke to me about the importance of and commitment to the customer. In the cost cutting world we live in, those perks (no pun intended) are a thing of the past. And then it was the story of Webster and how the bank started. With those 2 things I investigated products, comp plan which is great especially for a bank etc but one thing Webster has that no other lender I have worked with in my 29 years is a non-producing sales manager.
What do you see the future is of a street LO?
For a couple of years I had concerns over online mortgage companies. I no longer feel that way. There are some people that are comfortable doing their mortgage online but in today’s complex mortgage industry, street loan officers are very much needed. Staying relevant and creative will always pay dividends to the street loan officer.
How much does price play a part with a borrower?
Initially borrowers feel that they need to shop for the best rate which is difficult given Dodd Frank. If you are competitive and not necessarily the lowest rate yet you demonstrate knowledge, responsiveness, genuineness, take the time to educate the borrower and offer them options over and above what they were thinking, I believe this wins out over rate.
How much does product play a part with a borrower?
Definitely need the products – if you lack one that the borrower asks about, it will be difficult to get them to consider an alternative even if it is to their benefit.
How much does product play a part in deciding who to work for?
Huge – in today’s world it is critical to have CRA products, construction loans, rehab loans, portfolio lending, non-warrantable condos, land loans etc. in addition to the standard programs – another reason I chose Webster.
What is your internal/operations support system?
Our non-producing sales manager is the biggest support I have had in my 29 years. Her job is solely to manage and support her RI sales staff. She is an incredibly strong advocate for anything we need from Operations while maintaining a great working relationship with the managers of processing, underwriting and closing. If there is an issue with the underwriting on a file, she immediately sets up a conference call with the underwriter to discuss it and if necessary escalates it to the department head. She has a strong voice so we have a strong voice. I personally have also found the managers to be very responsive and helpful.
What keeps you at Webster Bank?
I really like the bank atmosphere in general but the banks I have worked for have become very large and hard to deal with. It is nice to have an internal customer base to add to my outside customers. We are unique in some things we offer. One of those that is important to me is our pre-approval program. We allow the borrowers to formally apply for their mortgage while shopping for a home. We get them approved with a formal commitment letter which strengthens their offer and when they find a house we just need a sales agreement and appraisal to close. Makes for a much faster closing. Webster is a regional bank and has the size to have the offerings but not so large that they are not afraid to make a judgment call and does not forget and honors that there is a nervous borrower on the other end of the transaction that is feeling very overwhelmed. We are not perfect, after all we are a bank, but for a bank we are pretty darn good! No reason to leave or look elsewhere.
For more information on Webster Bank please contact :
Patricia Placencia (401) 405-6387
www.websterbank.com
June 18, 2018
Homestar Mortgage … The Local Company Packing a Big Punch
Homestar Mortgage is one of Rhode Island’s largest independent mortgage lenders and brokers, offering home and commercial loans, construction loans, reverse mortgages and refinancing programs. With offices in Providence and Wakefield, Homestar is a licensed mortgage lender and broker in Rhode Island, Massachusetts, Connecticut and Florida. Homestar was founded by Carl and Stephen Tetzner, who combined have over 60 years of mortgage expertise, and are backed by a team of over 12 loan officers.
As a top lender for Rhode Island Housing, Homestar offers a wide selection of programs designed to fit a variety of mortgage needs. In this ever-changing financial and real estate market, Homestar Mortgage has the experience and knowledge to help buyers achieve their dream of homeownership.
Homestar was recently ranked a top 10 purchase lender in Rhode Island. With programs offering 100% financing, with no income limits, to specialized programs designed for the unique needs of physicians and recent college graduates, Homestar is your one-stop financing solution.
You only buy your first home once, and with Homestar’s guidance it can be a stress-free, enjoyable experience.
Our loan officers guide you through the entire mortgage process, ensuring your transaction goes as smooth as possible. Through our no cost, pre-approval consultation, we will help you determine how much home you can afford and have you pre-approved before you begin your house search. You will know exactly how much you can reasonably afford to pay per month for mortgage and taxes.
Getting pre-approved means you receive a loan commitment from Homestar even before you have found the home you want, based on a timely review of your credit and finances. Pre-approval say’s to all you are a qualified buyer and helps you establish the homes clearly affordable price range.
To get started on a safe and secure path to homeownership, contact Homestar Mortgage today at 401.454.3300 or visit www.homestarmortgage.net.
June 11, 2018
Since 1855, BankFive has helped customers buy homes and secure their family’s future. We offer a family of home loan products including Portfolio, Portfolio Construction, Land Loans, Portfolio Jumbo, FHA, VA, USDA loans, State Housing Agency, Home Equity Loans/Lines, Solar Loans and HEAT loans. As a strong lender who values our Mortgage Originators, we offer a generous compensation plan that competes with the best in the industry. In addition, our fees are among the lowest in the region. Also, through our FDIC and Depositors Insurance Fund all deposits are 100 insured%.
BankFive offers 13 branch locations and a loan production office in Cranston. Visit us online at bankfive.com. We look forward to the opportunity to serve your needs. We offer a full range of bank deposit products for consumers, small businesses, and large corporations.
BankFive is pleased to welcome Greg Cambio, VP & Residential Mortgage Lender. Greg brings 30 years of experience in all facets of mortgage lending, with a specialty in government underwriting. Greg is dedicated to making BankFive the premier government lender in the region.
For more information, please contact Patrick Deady, SVP, Director of Residential & Consumer Lending at 774-888-6189 or [email protected].
June 4, 2018
Partridge Snow & Hahn LLP is a business law and litigation law firm dedicated to providing excellence in legal services and business planning throughout Rhode Island and Massachusetts. We represent banks, credit unions, and mortgage lenders and brokers in a broad range of transactional, regulatory compliance, employment, and litigation matters.
Utilizing the full resources of the Firm’s experienced attorneys and paralegals, our mortgage lending team renders responsive and cost-effective services to meet our clients’ many business needs. Through the firm’s affiliation with Meritas, members of this practice area have immediate access to qualified local firms throughout the United States and internationally to address collateral and other issues arising in multi-state or international transactions.
Our lawyers have their fingers on the pulse of the mortgage lending industry and are frequent speakers on topics related to industry, including the regulation of financial institutions and their mortgage banking subsidiaries. Call us at 401-861-8200 to learn more or visit us at psh.com.
Meet Our Mortgage Lending Team:
James H. Hahn
Melissa E. Darigan
Michael A. Gamboli
John J. Partridge
David J. Pellegrino
Alicia J. Samolis
PARTNER SPOTLIGHT
May 21, 2018
This coming August will mark Equity’s 29th anniversary. Four years ago, as it came time to celebrate our 25th anniversary, we challenged ourselves to complete twenty-five acts of service as way of celebrating. This has continued throughout the years with the acts ranging from volunteering at Amos House, participating in First Book Campaign, The Walking Bus, and any other event or charity we’ve felt passionate about. After all, what better way is there to celebrate nearly thirty years of success in the title business than by giving back to the community that helped get us here?
We’re not just in business for the sake of business. We want to have a transformative effect on our people and the people with whom they come in contact with. We don’t lack for those willing to do the work. In most cases, there’s even a surplus. That’s why instead of pursuing a set number of acts of kindness, everyone at Equity will continually volunteer their time throughout the year. With the only goal being to help better our community and hopefully inspire others to take up the call as well.
Equity Cares, as we now call it, is the culmination of the culture of charity that lives and breathes in our office. While there are many reasons that we’ve not only maintained our level of business but continued to improve and innovate upon it, there’s no denying that the heart of the people is the heart and soul of Equity. Each time we embark on an act of service that they themselves choose, whether they’re foundations we’ve already worked with in the past, or entirely new organizations, we’re forming new relationships in the process.
We share these stories and examples of our coworkers in the hopes that it will show both the normalcy in being hesitant, and hopefully inspire others to give back to their community in some way. There isn’t any other feeling like it in the world. And with Equity Cares, this is only the beginning.
For more information about Equity National Title contact us:
Phone: 1-800-237-8489
May 14, 2018
Greenwood Credit Union
It’s about life.
Compassionate Community Banking.
Convenient Access, Nationwide.
Life is a series of milestones, goals and accomplishments. Through the ups and downs, it’s important to have a banking institution that’s a real partner – someone who truly cares about your individual situation and how to get you to your goals.
Originally chartered in 1948, Greenwood Credit Union is a full-service financial institution that provides the highest level of service and personal attention to all our clients. Greenwood Credit Union operates under the Credit Union ideal of “People Helping People” and is committed to providing our customers with the best banking products and services available, with the best value and convenient access.
Continually striving to expand and refine our product and service offerings to best meet customer needs, GCU is also dedicated to offering these services at the most competitive rates and lowest cost.
We are all about our clients’ best financial interests – and it shows every day.
You can open an account with as little as $5 online at greenwoodcu.org or just stop by our branch at 2669 Post Road in Warwick.
May 7, 2018
The Law Offices of Gregory J. Schadone, LTD.
The Firm:
The Law Offices of Gregory J. Schadone, Ltd. is a small firm with offices located in the North Providence, RI and Dedham, MA. The firm was established in 1994 and has since continued to grow with a concentration in real estate conveyancing. Although much of the firm’s real estate practice involves real estate closings, the office also helps commercial and residential clients with many complex real estate issues. The firm represents buyers, sellers and lenders in all aspects of real estate transactions, including negotiating purchase and sales contracts, title examinations, zoning disputes and quiet title actions. The firm prides itself on providing exceptional service to all parties involved in the real estate transaction to assure the parties complete and total satisfaction. www.schadonelaw.com
The Attorneys:
Gregory J. Schadone
Attorney Schadone graduated from Boston College in 1989 and earned his law degree from New England School of Law in 1994. He is admitted to practice in Rhode Island, Massachusetts, Connecticut, New Hampshire and United States Supreme Court. [email protected]
David A. Ursillo
Attorney Ursillo graduated from Rhode Island College in 1994 and earned his law degree from Ohio Northern Petite College of Law in 1997. He is admitted to practice in Rhode Island, Massachusetts and South Carolina. [email protected]
Chelsea Battinger
Attorney Battinger graduated from West Virginia University in 2012 and earned her law degree from Roger Williams School of Law in 2015. She is admitted to practice in Rhode Island and Massachusetts. [email protected]
Anthony M. Gallone, Jr. (of counsel)
Attorney Gallone graduated from Boston University in 1990 and earned his law degree from University of Miami School of Law in 1993. He is admitted to practice in Rhode Island and Florida. [email protected]
Contact:
7 Waterman Avenue
North Providence, RI 02911
p. (401) 232-4000
f. (401) 232-2555
3 Allied Drive, Suite 303
Dedham, MA 02026
p. (508) 952-2262
f. (844) 430-9756
PARTNER SPOTLIGHT
April 30, 2018
Shamrock Financial is a regional mortgage lender headquartered in Rumford, RI. Shamrock has originated home loans for nearly 30 years and has been led by the same leadership team for two decades. In that time, we’ve seen the housing recessions of 1991, 1997, 2001, 2008 and not only survived, but THRIVED.
At Shamrock Financial, we’re not inspired by mortgage loans, credit scores or interest rates. No way. What fires us up is the idea of building neighborhoods, watching families grow and turning houses into homes. We’re blessed to have a staff that represents the heart of our purpose – Making Mortgages with an INTEREST in People. This also explains why Shamrock has been named one of the Best and Brightest Companies to Work For in 2014, 2015, 2016, and 2017.
Shamrock Financial: Delivering the American Dream since 1989. Come dream with us!
For more information, please visit our website:
PARTNER SPOTLIGHT
April 23, 2018
Banking the Way You Want.
That’s what Centreville Bank delivers to our retail and business customers every day. Founded in 1828, Centreville Bank is one of Rhode Island’s most stable and well-capitalized community banks, with a growing presence that reaches every corner of Rhode Island and into nearby Massachusetts and Connecticut.
Centreville Bank offers loan products that meet a variety of needs which include:
- Conventional and Non-Conventional Fixed and Adjustable Rate Mortgages
- FHA, VA and USDA loans
- Construction and Rehab loans
- First Time Home Buyer Products with down payment and closing cost assistance
- Home Equity Loans and Lines of Credit
We also offer a variety of specialty lending programs including Affordable Housing Products, Doctor Program, Asset Depletion, No Closing Costs Mortgages, and mortgages with No Mortgage Insurance along with a complete range of personal, business and commercial banking products to meet your needs.
Whether you are looking to purchase, refinance, renovate or build your own home, our bankers will guide you through every step of the process. We’ll work together to provide the right mortgage solution for you, with low closing costs, competitive rates, fast turnaround time, and local loan servicing.
To learn more, contact a member of our Mortgage Lending Team today!
Centreville Bank | Online Mortgage Center
Mortgage Loan Originator
401.559.9006
NMLS# 712093
Celinda M. Joaquin
AVP, Mortgage Loan Originator
401.286.8637
NMLS# 472583
AVP, Mortgage Loan Originator
401.265.5825
NMLS# 83776
AVP, Mortgage Loan Originator
401.827.5288
NMLS# 472579
Member FDIC/ Equal Housing Lender/NMLS# 402947
PARTNER SPOTLIGHT
April 16, 2018
The Law Office of Michael C. Lima is a qualified, reputable law firm located in East Providence, RI. Specializing in real estate, our skilled and accessible lawyers strive to continue building lasting relationships with clients.
About Our Firm
Founded in 2004, the Law Office of Michael C. Lima has a small-town commitment to service, yet the experience, staff, technology and resources that set us apart. These qualities make us one of the leading real estate law firms serving Rhode Island and Massachusetts.With personalized, hands-on service, you are sure to receive tailored attention that will set us apart from larger firms. We tend to develop life-long clients who engage us for all of their real estate needs, which is a testament to the service offered by our law office.
Why Choose Lima Law: Communication is Top Priority
Many real estate agents, mortgage brokers and lenders develop preferences and avoidances for particular real estate law firms because of the lack of effort on behalf of the firm. Having a transaction fail to close at the fault of the law firm, whether it be for lack of communication or delayed service, will put that company at the bottom of the list. Realistically real estate closing firms are seldom chosen because of their title duties but more for their customer service and outstanding communication with all parties.
At Lima Law, this is where we stand apart from the competition. We are first and foremost customer focused, and responsive throughout the process. Our team is there for you from start to finish!
Whether it is your first home, a relocation, the purchase or sale of a vacation home or the refinance of your existing home, we recognize that each transaction is unique and deserves individual attention. You are not just another client to us, you are so much more. We treat our clients with respect and we give them the time that they deserve.
We pride ourselves on getting the transaction closed proficiently and professionally, by communicating and collaborating with all other parties involved, including realtors, lenders, insurance agents, and home inspectors.
Our Team
Our attorneys are readily available to answer your questions and to help guide you through the process. Experienced paralegals are an important part of our team, providing valuable assistance and skillful coordination throughout all aspects of your transaction.
Contact Us:
401-270-1144
Connect with us on Facebook:
PARTNER SPOTLIGHT
April 9, 2018
Pawtucket Credit Union, The smarter way to bank
Providing the smarter way to bank is an endeavor that sets Pawtucket Credit Union apart from other banking institutions. As an organization founded by, and run for the benefit of its members, this philosophy is woven throughout all of our business and civic activities.
With more than $2.13B in assets, we’re large enough to offer an ever-increasing array of products and services designed to meet your needs, yet still small enough to deliver the personalized service you deserve and have come to expect.
Everyone is unique in their own way so why should your mortgage be any different. Our mortgage products, now featuring a No Closing Cost option, range from traditional 30 year fixed rate loans to 100% financing for first time homebuyers, ARMs to jumbos, and accelerated payoff loans to bi-weekly options. Better yet, our construction loans feature a single closing for both the construction phase and the final term loan, and a rate lock up front.
PCU’s mortgage origination team will come to you. With local decision-making and servicing, our trained professionals are at your service to answer any and all of your questions. If we don’t have the answer at hand, you can rest assured that a return call is moments away. In addition, we’ve simplified the mortgage application process, enabling faster loan approvals and turnaround times.
Improving the lives of families and individuals in the communities we serve has been a key component of Pawtucket Credit Union’s mission and is the motivation behind all of our community service initiatives. Through the PCU Community Investment Fund, which focuses on housing and economic security, we hope to mitigate some of the stress on our local communities by funding programs that specifically serve vulnerable populations
With fifteen branch locations in Pawtucket, East Providence, North Providence, Smithfield, Cumberland, Cranston, Warwick, East Greenwich and North Kingstown and the PCU Loan Center located in Foxboro, Mass., PCU is never far away.
For more information on Pawtucket Credit Union, stop by or visit us on the web at www.pcu.org.
PARTNER SPOTLIGHT
March 26, 2018
“The accomplishment we’re most proud of is our consistent ability to earn our customers’ unsolicited rave reviews. Our team takes great pride in making sure every interaction with Birchwood makes our customers’ days easier and less stressful. We help them succeed, and that has helped us succeed.” – Larry Avery, VP of Business Development.
It is this desire to truly be a partner, by providing a level of personal service rarely experienced in the mortgage industry, that has driven Birchwood’s growth over the past 25 plus years. Birchwood’s goal is simple: to provide mortgage professionals the credit, verification, and compliance service they need to make a more timely lending decision. Give our office a call and you’ll be answered by a real, live, cross-trained individual that is fully capable and eager to help you with any question or concern you may have. When was the last time you looked forward to calling an 800 number?
As a partner we are constantly trying to add value to our relationship. From our consumer-facing credit SmartPay ordering portal to tailored all-inclusive pricing, and full suite of secondary products, the team at Birchwood is always leading the way in offering new processes and technologies which increase productivity and maximize cost savings.
For more information, and to be truly delighted, please contact:
Regional Sales Manager
Direct 603-408-8323
Office 800-910-0015
Or visit our website!
March 19, 2018
Essent was founded in 2008 with the mission to bring a mortgage insurer with strong capital, a clean balance sheet, exceptional customer service and a robust-claims paying ability to the mortgage industry. Today, we are a leader in the mortgage insurance (MI) industry and the MI of choice for many lenders. We offer simple solutions to close more loans, focusing on ease of use, fast underwriting turn times, competitive pricing, rigorous risk analysis and fair and transparent claims-paying practices. Our strong capital position and investment-grade ratings underscore the depth of our claims-paying resources.
Learn more at essent.us.
Mike Stevens
Account Manager, CT, MA, RI, VT
508.735.5920
Underwriting:
[email protected] | 877.330.3535
Customer Support:
[email protected] | 855.282.1483
March 12, 2018
Appraisal Solutions, LLC is a professional commercial and residential property appraisal company founded by Susan Kelly, SRA in 2008. Since the company’s beginning, we have grown to have 8 appraisers and performed appraisals for over 50 different financial institutions last year. Appraisal Solutions offers commercial, financial, legal, and private appraisals of properties in Rhode Island and Massachusetts. We are also on the FHA and VA roster of approved appraisers. Our appraisers are experienced with FHA and VA’s requirements and policy documents. We also have an appraisal review division. If you have had an appraisal done by another provider that you are not satisfied with, Appraisal Solutions is able to review it to verify its accuracy.
Our philosophy at Appraisal Solutions is to guarantee exceptional customer service through every step of the appraisal process. We understand the importance of communication with our clients and we strive to exceed your expectations, just ask any of our clients.
If you are interested in buying or selling a property, our sister company, Fenix Real Estate, Inc., is here to help! Fenix Real Estate was founded in 2014. Since the company’s modest start with just two realtors, we have expanded to 7 sales associates and offer both commercial and residential real estate sales. Our agents have the ability to sell all types of property, from single family homes, to multi-use properties, to vacant land and more!
Our teams at both Appraisal Solutions and Fenix Real Estate are highly experienced and are prepared to meet all of your real estate needs. Call us today for an appraisal or if you are interested in buying or selling a house!
Come visit us in our office or contact Susan Kelly, SRA for more information!
85 Douglas Pike
Smithfield, RI 02917
Office: 401-475-4999
Fax: 401-349-0491
March 5, 2018
CrossCountry Mortgage, Inc. (CCM) is a full service, direct lender licensed in 50 states, offering a broad spectrum of correspondent and portfolio loan products to serve virtually any borrower’s needs. Founded in 2003, and headquartered in Brecksville, OH, the company today has over 160 branches nationwide and employs over 1,700 people, closing nearly $5.5B in retail volume in 2017.
Our mission is simple: to provide our clients with expert loan advice while facilitating a straightforward, stress-free mortgage process for clients, real estate agents, sellers, and attorneys. This focused, goal-oriented approach has facilitated our nationwide reputation as a preferred business partner for real estate agents and referral partners alike.
The CCM difference to our clients is the competitive product they receive with lightning fast efficiency*. For our originators, the difference is our team-oriented approach between Sales and Underwriting that really sets CCM apart from other work environments. Our commitment to collaboration has resulted in a partnership culture generating a positive and rewarding work environment. CCM understands that for originators to deliver truly exceptional results to their clients and referral partners, Underwriting staff must be part of the process. As a result, the CCM Underwriting department has committed itself to assisting originators in structuring loans when needed, providing guidance to other available options, pre-underwriting in 24 hours on TBD properties, and guaranteeing a 24-hour or less approval turn time in any market condition.
CCM is the recipient of numerous awards for growth, innovation, and employee satisfaction. Currently rolling out for 2018 is our fully integrated Salesforce/Encompass enterprise platform enabling loan officers to explode their productivity in prospecting, marketing, and client retention. Our sales staff also enjoys a fully accessible in-house Marketing department, Salesforce Social Studio, lead generation platforms, and Edge business analytics software.
CrossCountry Mortgage is hiring originators for 2018 in both Retail and Consumer Direct (lead) positions. Branch opportunities in CT/RI/MA also available. We offer full benefits (medical, dental, vision, 401k, disability), in-house processing, regional recruiting support for branch managers, and transition plans.
For more information, please contact:
Joe Roumelis
401-226-0233,
https://crosscountrymortgage.com/
*CCM is ranked #1 out of 19 similar sized companies by Ellie Mae for processing cycle times.
February 26, 2018
At Slepkow, Slepkow & Associates, Inc., we pride ourselves on tradition, reputation and execution.
Our firm was established in 1932. We now have three third generation Slepkow attorneys practicing at the firm. In addition, we have two other attorneys concentrating on our real estate practice. In all, we have a combined 120 years of experience focused on closing residential and commercial transactions in Rhode Island and Massachusetts. With over 50,000 closings conducted in our office, we are unquestionably the most experienced, and longest standing firm concentrating in real estate transactions in the East Bay. That’s tradition.
Our brand is well recognized throughout Rhode Island and Bristol County Massachusetts. We pride ourselves on our reputation among lenders, real estate agents, developers and consumers. We built our brand recognition by exceeding the expectations of all parties to our closings. Our clients know they can always communicate directly with an attorney whether by phone or email. All parts of the transaction from the title, to review of documents, to scheduling communications, resolution of issues, and closing, are handled personally by one of our attorneys. This is our competitive advantage over other firms, and guarantees the quality of service our customers demand and expect. That’s reputation.
It is one thing to have a goal, but it is quite another to execute it effectively. Our goal is meet all timelines of the consumer and the lender in a transaction. Under the TRID guidelines, timeliness has never been more important. We have the resources to examine title and prepare a commitment within one day of a title order. Our size and experience enables our efficiencies without sacrificing quality. That’s execution.
If you have a real estate closing, title issue or other related problem in the East Bay or Southeastern Massachusetts, give us a call. We are happy to serve your needs.
1481 Wampanoag Trail
East Providence RI 02915
401-437-1100
fax 401-433-5066
February 19, 2018
Priority Title Company is a locally owned and operated provider of residential title and closing services with deep roots in the South County community. We are not your typical old school law practice. Scott Denelle founded the company in 1994 after growing up in a real estate family in Narragansett and working as a loan officer in Rhode Island for 9 years after college. He started the company after experiencing first-hand the frustrations of trying to purchase his first home with the assistance of a lawyer who wasn’t getting back to him. As a first-time homebuyer, Scott had plenty of questions and he was shocked the attorney he hired wasn’t even responding. It was then that Scott realized there was a need for a consumer friendly Real Estate Title Services Company and went out to form a partnership with Kenyon Law which would fill the void between legal services and consumer sensitivity. Scott believes the home buying process should be positive for all involved and communication is key to making that a reality. Today Scott, with the legal services of the 4 attorneys at Kenyon Law and 5 experienced support team members, has helped more than 14,000 families purchase/refinance their homes over the last 20+ years.
Services include: Title Searches, Title Insurance, Real Estate Purchase Closings, & Real Estate Refinance Closings.
10 REASONS TO USE PRIORITY TITLE COMPANY
- FRIENDLY CLOSING STAFF
We are actually happy when you and your clients call.
- SALES SENSITIVE STAFF
We know how important Buyers, Sellers, Realtors, and Loan Officers are and treat them with the respect they deserve.
- FAST TITLE SEARCHES
We have staff Title Examiners and offer excellent turnaround time.
- FLEXIBLE SCHEDULES
We have 4 Closing Attorneys and can close at customer’s convenience.
- FLEXIBLE LOCATIONS
Two RI branches and willingness to travel to Realtor Offices.
- INSURED CLOSING AGENTS FOR 6 MAJOR TITLE INSURANCE COMPANIES
We are agents for First American, Commonwealth, Chicago, Fidelity, CATIC, and Stewart.
Odds are we can find a Start and pass along a re-issue discounted rate on your refinance.
- DEDICATED ATTORNEYS
Our lead Attorneys specialize in Real Estate. They won’t be in court when you or your clients have questions!
- EXPERIENCED TEAM
We have been handling Title Searches for 53 years. We fix problems!
- STRONG DESIRE TO CLOSE THE LOAN BEFORE THE MONTH ENDS
Just like you!
- EXCELLENT REPUTATION
Reputation for Accuracy and Professionalism throughout Realtor community. *Check out some testimonials by local industry leaders!
Address: 133 Old Tower Hill Rd, Suite 2, Wakefield, RI 02879
Tele: 401.789.0276
Email: [email protected]
Website: www.PriorityTitleCompany.com
February 12, 2018
At Savings Institute Bank & Trust, we’ve been helping individuals and businesses achieve their financial dreams since 1842. Our world has changed since we served our first customer, but our commitment to the communities we serve hasn’t. As banking has evolved, so have we. We pride ourselves on being innovative and providing the smartest experiences, technology, and solutions every day, to every customer, every time. Headquartered in Willimantic, Connecticut, we have $1.6 billion in assets with branches in Connecticut and Rhode Island. We’re proud to offer lending solutions that are tailor-made to fit the needs of a variety of clients from first-time homebuyers to those looking to upgrade or downsize, refinance, purchase a vacation home or buy their dream house while theirs is still on the market.
We take the home buying and financing process seriously, offering exciting one-of-a-kind solutions like our Lock and Shop Program and Good as Gold Pre-Approvals. With our Lock and Shop Program, home buyers can lock in a low rate for 90 days while they shop for their home. They even have the opportunity to lower their rate if it drops once they have found a home at no charge*! It pairs perfectly with our Pre-Approval process, where home buyers can predetermine what they can afford while showing sellers they’re serious with a Commitment Letter ready to go.
Every homebuyer is different, so in addition to all standard home mortgage programs, we offer a variety of unique financing opportunities that other banks may not.
- In-House Condo Program
- Bridge Loans
- Construction and Rehab Loans
- First Time Homebuyer Programs
- Portfolio Lending
- Additional Solutions are available, such as:
- FHA
- VA
- USDA – RD
- CHFA
- Land Loans
- Hybrid Adjustable Rate Mortgages with an initial fixed rate and an adjustable rate after initial period
- Jumbo and Super Jumbo
- Super Jumbo
- Variety of term and fixed rate mortgages
- Investment Property Mortgages (1-4 Family)
*Limited one per customer. Offer may be discontinued at any time.
Contact:
Heath B. Lefort
Retail Sales Manager
cell 401-641-0344
E-Fax: 860-456-5229
January 29, 2018
Overview: MAXEX, LLC is a financial services technology company that has developed and launched the first exchange for trading residential mortgages loans through a centralized clearinghouse. Developed by long-time mortgage industry veterans, MAXEX’s technology and unique program structure combine to address the issues that have stymied the modernization of this large market and enable buyers and sellers of residential mortgage loans to operate more efficiently, transact with more confidence, and scale like never before. MAXEX began processing live transactions through its LoanExchange program in June 2016 and, to date, has facilitated over $1 billion in loan trades, of which over $350 million have been securitized through a series of eight transactions with JP Morgan and Redwood Trust. MAXEX is now actively growing its client base and transaction volume through its two exchange programs:
- LoanExchange: Program for bank and non-bank sellers that launched in June 2016.
- MAX Exchange: Pilot program for Federal Home Loan Bank (“FHLBank”) Member sellerslaunched in December 2017 through a strategic alliance with the Federal Home Loan Bank of New York, which received finalapproval for MAX Exchange from the FHFA. Upon the successful conclusion of the pilot program, MAXEX will seek to roll out
the MAX Exchange program to additional FHLBanks and their 7,000+ Member banks and credit unions nationwide.
How It Works: Both programs utilize MAXEX’s proprietary technology, standardized documentation, and centralized clearinghouse structure. The centralized clearinghouse structure creates a more efficient market by allowing sellers to sell loans to, and buyers to buy loans from, multiple participants while transacting with only one counterparty: MAXEX Clearing, a wholly owned subsidiary of MAXEX. Additionally, MAXEX administers a pre-settlement, independent due diligence review on 100% of the loans traded through its Exchange programs to identify potential errors and minimize the risk of subsequent repurchases/put-backs. Should a seller be unwilling or unable to repurchase a loan due to a validated representation and warranty violation, MAXEX provides a backstop mechanism that guarantees the seller’s repurchase obligations. By standardizing and streamlining the seller’s underwriting guidelines, legal documentation and loan sale process as well as mitigating many of the risks and operational inefficiencies that currently exist in the secondary mortgage market, MAXEX: (i) reduces operational costs, (ii) expands market access, and (iii) disintermediates the middlemen for the benefit of both buyers and sellers.
Key Benefits:
- Reduced Operational Costs: As MAXEX is a single destination for sourcing, pricing,purchasing, selling, reviewing, and settling loans, buyers and sellers no longer need to juggle many expensive andcumbersome relationships in order to transact confidently and efficiently with numerous qualified counterparties.
- Enhanced Value & Liquidity: We believe MAXEX’s centralized participant approvaland monitoring, standardized contracts, independent loan audits, and backstop mechanism together should enhance the valueand liquidity of mortgage loans that pass through the Exchanges.
- Best Execution Pricing: Single, centralized counterparty allows for anonymous two-waytrading on MAXEX, which enables sellers to connect to multiple buyers and receive best execution pricing.
For more information, please contact:
Randy Goodleaf
Managing Director
Manchester, NH
646-385-2126
January 22, 2018
Since 1950, Ocean State Credit Union has aimed to deliver sound financial solutions to our membership. We have and continue to grow our offerings to meet our members’ changing needs. From these beginnings, Ocean State Credit Union has grown to become a statewide credit union offering safe and secure products and services to all of Rhode Island and Southern New England. With branches located from Coventry to North Kingstown and borderless online and mobile banking, Ocean State Credit Union has become a financial resource to people seeking the best in personalized service and smart banking products.
Ocean State Credit Union, formerly Coventry Credit Union has been a recognized and steadfast leader in mortgage lending through both the most trying and most fruitful of times. Our experienced Mortgage Professionals offer knowledge in every area of mortgage lending from purchase to refinance including construction loans.
We have access to a full range of mortgage resources from federal programs like USDA mortgages to local state programs with Rhode Island Housing. Our experienced Mortgage Professionals will work with you to find the best and most affordable mortgage to suit your specific needs.
Whether you are purchasing a new home or refinancing or remodeling your current home, OSCU can help you with professional experience, a large menu or programs, the most competitive rates and low closing costs and terms.
For more information, please contact:
Nicole Dungca
Director of Mortgage Lending
401-397-1900, ext. 2365
January 15, 2018
Law Offices Of Robert A. Ragosta
The Law Offices of Robert A. Ragosta service Rhode Island and Massachusetts. The firm focuses on residential and commercial real estate.
Attorney Bob Ragosta, with his decades of experience, is knowledgeable in many areas of law. That experience allows him to act as a concierge of legal services for referrals to attorneys across the legal spectrum. Agents, brokers, loan officers, and their family and friends are welcome to take full advantage of this service which ensures them competent representation in any area of the law they may need.
Bob acted as attorney for Fannie Mae at all of their Rhode Island REO closings and as an Assistant City Solicitor for the City of Cranston.
In January 2017, Mayor Allan Fung and the City Council appointed Bob as one of the municipal court judges for the City of Cranston.
Our office has experience in probate law, foreclosures, tax sales, and litigation resulting in all these areas. This experience allows us to guide buyers, agents, and loan officers through the closing process. We assist clients with leases, creating of LLC’s, and Corporations as well as filings with the Rhode Island Division of Taxation.
We pride ourselves on providing outstanding service and availability to all before, during and after the closing. Title issues are dealt with immediately so as to ensure all closings take place on time.
We support the Rhode Island Mortgage Bankers Association and it’s PAC as well as the various Boards of Realtors. Bob is in the Greater Providence Board of Realtor’s Hall of Fame.
The team at Robert A. Ragosta, Ltd., Carolina Bowry, Kerri Montesi, Bernadette DiBiase, in conjunction with our attorneys and closers and our underwriters at Commonwealth and Chicago Title Insurance Companies simply get closings done. We value being a resource for realtors and loan officers.
We look forward to the opportunity to serve and meet all of our clients’ and partners’ real estate and other legal needs.
For more information, please contact:
Attorney Bob Ragosta
(401) 481-7600
[email protected]
481 Atwood Avenue
Cranston, RI 02920
January 8, 2018
Shamrock Financial is a regional mortgage lender headquartered in Rumford, RI. Shamrock has originated home loans for nearly 30 years and has been led by the same leadership team for two decades. In that time, we’ve seen the housing recessions of 1991, 1997, 2001, 2008 and not only survived, but THRIVED.
At Shamrock Financial, we’re not inspired by mortgage loans, credit scores or interest rates. No way. What fires us up is the idea of building neighborhoods, watching families grow and turning houses into homes. We’re blessed to have a staff that represents the heart of our purpose – Making Mortgages with an INTEREST in People. This also explains why Shamrock has been named one of the Best and Brightest Companies to Work For in 2014, 2015, 2016, and 2017.
Shamrock Financial: Delivering the American Dream since 1989. Come dream with us!
For more information, please visit our website:
www.shamrockfinancial.com
December 18, 2017
National Mortgage Insurance Corporation (National MI) is a U.S.-based, private mortgage insurance company established with a mission to enable low down payment borrowers to realize homeownership, while protecting lenders and investors against losses related to a borrower’s default. We’ve established credibility in the industry by building a strong company with no legacy risk, and taking a straightforward approach to both our products and practices to ensure lenders’ confidence in the loans they place with us. We adhere to the highest standards in underwriting, processing, and customer service. We’re built to pay claims, we put our customers first, and we have not engaged in any subversive tactics to rescind coverage. National MI is committed to helping more people get into homes, and delivering mortgage insurance solutions that provide a shorter path to coverage certainty, and lead to fewer loan buybacks and rescissions.
For more information on National MI, visit http://www.nationalmi.com/ or contact:
Tim O’Brien
Account Manager
(781) 727-1012
[email protected]
Cheri McCarthy
Regional Team Leader
(617) 947-5832
[email protected]
December 11, 2017
From moving in to remodeling, we’re ready to lend a hand. Based in Smithfield, R.I., Navigant Credit Union is Rhode Island’s oldest credit union. Navigant Credit Union has provided its members with unparalleled financial products and services, as well as community support, for over 102 years. With more than $1.8 billion in assets, more than 81,000 members and 17 branches, Navigant Credit Union supports its members through access to products and services, conservative financial management and commitment to the communities where they operate. Whether you’re thinking about buying your first home, refinancing, or borrowing money to make home improvements, we have the loan for you. Our Mortgage and Home Equity Loans come with competitive rates and terms and are backed by our knowledgeable specialists. It’s just the thing to make you feel right at home.
To learn more about Navigant Credit Union, please contact:
David DeCubellis
VP Residential Lending
401.233.4700
December 4, 2017
WELCOME TO A DIFFERENT KIND OF BUSINESS BANK
WHO ARE WE?
Texas Capital Bank (NASDAQ: TCBI) was founded in 1998 as a business-to-business bank, serving businesses and the people who build them, and that remains our focus today. As entrepreneurs ourselves, we believe in aligning our business to the needs of our clients. That’s why we created a specialized Mortgage Finance group that fully supports the unique requirements of mortgage lenders, staffed by industry veterans who speak your language. We believe that serving the mortgage industry is a significant opportunity, and we treat it accordingly.
- Top 100 FDIC banks in the U.S. by asset size (currently over $23B)
- Top 20 Ranking in Forbes List of Best Banks in America
- Top 10 Bank Director’s Bank Performance Scorecard of Banks w/ Assets $5-50 Billion
- Top 50 U.S. banks by market cap
- Top 5 Warehouse provider with average funding over $9Billion per month
WHY IS A BUSINESS BANK BETTER?
Being a business bank means you are not selling to your competition. Our bank serves you the business owner and that is our focus. Our Mortgage Finance group got its start in 2004 by offering warehouse credit facilities. Since then, we’ve remained committed to the mortgage industry and have expanded to provide additional services such as treasury services, liquidity services and Mortgage Servicing Rights (MSR) collateralized credit facilities to support your business.
Texas Capital Bank’s Mortgage Finance group has become well-known throughout the industry for our attentive service. Our correspondent lending clients enjoy a dedicated client services team that provides support throughout the loan review and for post-closing support. We also offer an underwriting scenario desk should you need to discuss a unique loan before submitting it for review.
WHAT ARE OUR OFFERINGS?
Our Correspondent Lending group purchases a comprehensive array of loans types in all 50 states.
- Bulk Mandatory and Best Efforts
- Medical Doctor Loan Program
- Jumbo – Delegated
- Repurchase Insurance at no additional cost or third-party review on ALL products
- Conventional Products including Home Ready, Home Possible, and FNMA Single Close
- Government Products including FHA, VA and USDA.
- Warehouse Lending
- MSR Financing and Treasury Services
- Overnight Fed Fund Alternative for Banks
We call our approach to fueling growth, jobs and prosperity Texas Capitalism,™and it doesn’t happen by accident. It’s developing the best partnerships and building something great together. For more information on Texas Capital Bank please contact:
Robert Favicchio
VP, Regional Sales Manager, Correspondent Lending
401-556-5555
www.tcbcorrespondentlending.com
Tim Gilbert
VP, Relationship Manager, Warehouse Lending Division
908-601-7695
November 27, 2017
The Original Low Down Payment Solution
MGIC is the first name in private mortgage insurance. We founded modern private mortgage insurance in 1957, and we remain the industry’s premier provider today, insuring loans with down payments as low as3% with credit scores as low as 620.
Combining innovative programs with unrivaled customer support we offer a faster, safer and easier ways for lenders to originate residential mortgage loans so more people can become homeowners.
Our strength comes from our history, leadership and co-worker commitment to providing quality products and customer service.
To learn more about MGIC, please contact:
Mary Ellen MacInnis
Senior Account Manager
(781) 413-1337 (cell)
November 20, 2017
Denelle & Elliott is a local Rhode Island law firm that services both Massachusetts and Rhode Island with locations in East Providence and Lincoln, Rhode Island. The firm was founded by attorney Christopher Denelle and recently expanded its practice by forming a partnership with attorney Sean Elliott. Denelle & Elliott’s practice is focused on residential and commercial real estate transactions. The firm works diligently to provide its clients with sound, comprehensive legal advice. At Denelle & Elliott, we understand that customer service and communication is paramount to ensure smooth, professional, and precise closings. Our dedicated staff and attorneys are readily accessible and give each client the personal attention that they deserve. Every real estate closing is conducted by one our attorneys who are willing to travel to accommodate all parties to the transaction.
To learn more about Denelle & Elliott and how we can assist you, please contact:
Christopher T. Denelle, Esq.
Telephone: (401) 434-2946
Email: [email protected]
Fax: (401) 434-2934
1 Grove Avenue
East Providence, RI 02914
November 13, 2017
Craft wholesale lending solutions with Flagstar Bank.
Flagstar Bank has been crafting tailor-made mortgage solutions for clients across the country for 30 years, navigating through some very challenging market climates. Today, as a well-capitalized and highly profitable bank with nearly $17 billion in assets, it is ranked as the #1 national FHA wholesale lender by FHA Neighborhood Watch.
Our robust online system helps you better manage your pipeline, access training, customize reporting, and integrate with top LOS systems. Clients appreciate the savings from our precise, closest-to-the-flag interest rates—priced to the thousandths instead of the eighths. And with reduced overlays, responsive customer service, and direct access to our underwriting staff, the lending process advances all the way to closing like a well-oiled machine.
As a leading national wholesale lender, our knowledge and expertise—as well as our expansive set of product offerings—can help maximize your bottom line and grow your business. Choose from conventional, jumbo, construction, renovation, FHA, VA, USDA, and seconds. We’re proud to craft unique solutions for brokers, correspondent lenders, banks, and credit unions.
To find out more about Flagstar Bank, call:
Ann-Marie Sweeney Copland
Flagstar Bank, FSB
Vice President, Correspondent and Wholesale Senior Account Executive
Northeast Region
New England
(617) 571-2395
6031 University Boulevard
Suite 250
Ellicott City, MD 21043
[email protected]
EQUAL HOUSING LENDER MEMBER FDIC
November 6, 2017
Banking the Way You Want.
That’s what Centreville Bank delivers to our retail and business customers every day. Founded in 1828, Centreville Bank is one of Rhode Island’s most stable and well-capitalized community banks, with a growing presence that reaches every corner of Rhode Island and into nearby Massachusetts and Connecticut.
Centreville Bank offers fixed and adjustable rate mortgages, home equity loans and a complete range of personal, business and commercial banking products to meet your needs. We also offer a variety of specialty lending programs including first-time homebuyer mortgages, no closing costs mortgages and construction mortgages.
Whether you are looking to purchase, refinance, renovate or build your own home, our bankers will guide you through every step of the process. We’ll work together to provide the right mortgage solution for you, with low closing costs, competitive rates, fast turnaround time, and local loan servicing.
To learn more, contact Jennifer A. Kosh
Assistant Vice President
Mortgage Loan Originator (NMLS # 83776)
Tele: 401.265.5825
Email: [email protected]
Centreville Bank | Online Mortgage Center
Member FDIC Equal Housing Lender NMLS#402947
October 30, 2017
ABOUT FRANKLIN AMERICAN MORTGAGE COMPANY
Located in Franklin, TN, Franklin American Mortgage Company (FAMC) is a privately-held, full-service professional mortgage banking firm licensed to provide residential mortgages across the nation. Since it was founded in 1994, the company has become a preferred lender for consumers and mortgage professionals, offering a host of diverse, flexible mortgage packages. Franklin American Mortgage is committed to helping individuals and families achieve the dream of homeownership through its three divisions: Retail, Wholesale, and Correspondent.
Dedicated to remaining an industry leader, Franklin American Mortgage offers borrowers, brokers, and lenders the strength and security of a forward-thinking national mortgage banker. The company truly values its relationship with each customer and mortgage professional, maintaining a tradition of responsiveness and personalized service; this philosophy has enabled FAMC to become one of the largest mortgage bankers in the nation.
Since 2010, FAMC has been the proud title sponsor of the Franklin American Mortgage Music City Bowl, one of college football’s premier post-season games. In addition to providing nationwide exposure for the company, the game also allows FAMC to give back to various Bowl-related charities and youth athletic organizations. Additionally, FAMC is honored to support numerous other charitable causes in the communities that make its success possible.
Franklin American Mortgage is an FHA Direct Endorsed, VA Automatic, and a LAPP, Fannie Mae, Freddie Mac, and Ginnie Mae approved seller/servicer.
For more information on Franklin American, please contact:
Matt Langley
Vice President, Northeast Regional Manager
35 Village Road,
Suite 201
Middleton, MA 01949
Office: 978-539-6169
Cell: 978-697-4600
Email: [email protected]
Web: www.franklinamerican.com
October 23, 2017
Pawtucket Credit Union, The smarter way to bank
Providing the smarter way to bank is an endeavor that sets Pawtucket Credit Union apart from other banking institutions. As an organization founded by, and run for the benefit of its members, this philosophy is woven throughout all of our business and civic activities.
Now in our 90th year and with more than $2B in assets, we’re large enough to offer an ever-increasing array of products and services designed to meet your needs, yet still small enough to deliver the personalized service you deserve and have come to expect.
Everyone is unique in their own way so why should your mortgage be any different. Our mortgage products range from traditional 30 year fixed rate loans to first time homebuyer programs, ARMs to jumbos, and accelerated payoff loans to bi-weekly options. Better yet, our construction loans feature a single closing for both the construction phase and the final term loan, and a rate lock up front.
PCU’s mortgage origination team will come to you. With local decision-making and servicing, our trained professionals are at your service to answer any and all of your questions. If we don’t have the answer at hand, you can rest assured that a return call is moments away. In addition, we’ve simplified the mortgage application process, enabling faster loan approvals and turnaround times.
Improving the lives of families and individuals in the communities we serve has been a key component of Pawtucket Credit Union’s mission and is the motivation behind all of our community service initiatives. Through the PCU Community Investment Fund, which focuses on housing and economic security, we hope to mitigate some of the stress on our local communities by funding programs that specifically serve vulnerable populations
We recently brought The smarter way to bank to Southeastern Massachusetts with the opening of the PCU Loan Center located in Foxboro. With fifteen branch locations in Pawtucket, East Providence, North Providence, Smithfield, Cumberland, Cranston, Warwick, East Greenwich and North Kingstown, PCU is never far away.
For more information on Pawtucket Credit Union, stop by or visit us on the web at www.pcu.org.
October 16, 2017
Carey Buckley from Radian Guaranty
The right partner can mean the difference between floating along and setting sail toward bigger opportunities. For 40 years, Radian has provided services and solutions that span the mortgage spectrum, as well as tools and resources to transform the way you think about your MI partnership. Let us help you finish the year stronger than ever and navigate your business toward future success.
Learn more at radian.biz/thinkbigger or contact Carey:
Carey Buckley
Radian Guaranty Inc.
Senior Account Manager
860.302.7776
October 9, 2017
The Law Office of Michael C. Lima is a qualified, reputable law firm located in East Providence, RI. Specializing in real estate, our skilled and accessible lawyers strive to continue building lasting relationships with clients.
About Our Firm
Founded in 2004, the Law Office of Michael C. Lima has a small-town commitment to service, yet the experience, staff, technology and resources that set us apart. These qualities make us one of the leading real estate law firms serving Rhode Island and Massachusetts.
With personalized, hands-on service, you are sure to receive tailored attention that will set us apart from larger firms. We tend to develop life-long clients who engage us for all of their real estate needs, which is a testament to the service offered by our law office.
Why Choose Lima Law: Communication is Top Priority
Many real estate agents, mortgage brokers and lenders develop preferences and avoidances for particular real estate law firms because of the lack of effort on behalf of the firm. Having a transaction fail to close at the fault of the law firm, whether it be for lack of communication or delayed service, will put that company at the bottom of the list. Realistically real estate closing firms are seldom chosen because of their title duties but more for their customer service and outstanding communication with all parties.
At Lima Law, this is where we stand apart from the competition. We are first and foremost customer focused, and responsive throughout the process. Our team is there for you from start to finish!
Whether it is your first home, a relocation, the purchase or sale of a vacation home or the refinance of your existing home, we recognize that each transaction is unique and deserves individual attention. You are not just another client to us, you are so much more. We treat our clients with respect and we give them the time that they deserve.
We pride ourselves on getting the transaction closed proficiently and professionally, by communicating and collaborating with all other parties involved, including realtors, lenders, insurance agents, and home inspectors.
Our Team
Our attorneys are readily available to answer your questions and to help guide you through the process. Experienced paralegals are an important part of our team, providing valuable assistance and skillful coordination throughout all aspects of your transaction.
Contact Us:
401-270-1144
Connect with us on Facebook:
October 2, 2017
After nearly 100 years of serving Rhode Islanders at Coastway Community Bank, our philosophy is simple: help to educate our customers and then stay with them every step of the way. That’s especially true when it comes to mortgage. We understand that buying a home is one of the single biggest financial decisions of our customers’ lives and there is no room for cookie cutter in this process. Whether we’re working with a first time buyer or a seasoned investor, our approach is the same: to understand each buyer’s unique situation and determine the best possible product to meet their needs.
It is because of the highly personal service we deliver that our partners in the real estate industry confidently refer their own clients to us every day and why we value our relationships with these partners so much.
In addition to our customer service, Coastway takes an enormous amount of pride in our service to Rhode Islanders in need. Community is in our name, it’s woven into the fabric of our company culture and it’s at the root of everything we do. Community involvement, in the form of volunteerism, is expected of employees at all levels. In 2016, our employees volunteered over 4,800 hours to community organizations across the state.
To learn more about how Coastway’s people and products can help make your clients’ home ownership dreams a reality, visit our website at www.coastway.com or come see us at one of 9 branches, or 3 satellite mortgage offices. Or, provide us with your name and email address and we’ll add you to our mailing list for upcoming events!
Suzanne Fry,
Senior Vice President, Mortgage Department Manager
Coastway Community Bank
(401) 330-1668
September 25, 2017
It is our firm’s belief that prompt and personal attention always matters. We strive to provide the highest quality of
legal services and treat our clients with respect and courtesy. You will always receive a return call from our dedicated
team, who make your transactions our priority. Our firm has been providing services to mortgage brokers, banks, financial planners, businesses and homeowners for over 12 years. In Estate Planning we understand that a family’s future is an imperative issue and ensure that our clients feel comfortable discussing their concerns so that well informed decisions are made.
Real Estate
Commercial Real Estate
We represent purchasers, sellers and lenders for commercial real estate transactions, as well as draft and review commercial contracts.
Residential Real Estate
We understand the importance of getting things done in a timely manner, so we will happily work around your schedule.
Purchase & Sales Agreements
Sale by Owner Transactions
Title Search of Land Records
Settlement Documents
Title Insurance Policies
Deeds, Mortgages and Notes
Bills of Sale and Leases
Rental Agreements
Closings/Settlements in MA, CT, RI
LLC and Corporate Formations
SBA Approved Closing Attorney
Wills, Trusts and Estate Planning
We ensure our clients feel comfortable discussing all concerns so that informed decisions can be made.
Wills/ Living Wills
Trusts
Powers of Attorney
Successor Trustee Duties
To learn more about what Law office of Cara B. Conaty, LLC can do for you please contact:
Cara B. Conaty, Esquire
Law Office of Cara B. Conaty, LLC
300 Centerville Road
Summit West – Suite 202
Warwick, RI 02886
Phone: 401/921-2447 ext. 11
Fax: 401/921-4484
Email: [email protected]
September 18, 2017
Pilgrim Title Insurance Company has been providing professional, responsive and accurate residential and commercial closing, escrow and title insurance services to homeowners, lenders, developers and other attorneys across RI and MA for more than 30 years.
While always striving to excel in the time-honored standards or delivering exceptional customer satisfaction through superior, personalized service and noted expertise, Pilgrim is also an innovator, blending the best of modern technology with these classic approaches. This year, the company launched a new web-based Digital Closing System in Rhode Island.
The Digital Closing Package provides buyers and sellers with a more convenient and secure method of storing and accessing closing and title documents.
“We are excited about providing the Digital Closing Package to our valued customers and enhancing their closing experience,” said Jeff St. Sauveur, Vice President of Pilgrim Title Insurance Company. “This is something that not only makes our clients’ lives easier and keeps their documents secure, but also benefits realtors and lenders.”
Pilgrim Title is the first company to offer the Digital Closing Package in Rhode Island through Forensis, a leading provider of digital document management services. The paperless system is currently utilized in other states throughout the country, but Pilgrim is the first to implement the Forensis system in Rhode Island.
The Digital Closing System gives home buyers, sellers, agents and lenders a convenient and secure place to store closing documents and promotes post-closing communication among all parties.
Here’s how the digital system works:
- At every closing, instead of traditional copies, the buyer/seller is given a branded USB Key.
- The USB Key takes clients to a secure site (digitalclosingpackage.com) where they can view their closingdocuments.
- Agent and Lenders contact information, photo and/or company logo is displayed on the site every time a clientlogs in.
- Throughout the year, content-based emails are distributed to clients automatically (example: mortgage rates,homes sold in the area, homestead exemption reminders).
- Notifications are provided to agents and lenders when a client accesses their documents.
- If they need to refinance or sell, everything is readily available.
- The system helps speed up the closing process.
Pilgrim Title has offices in East Providence and Barrington, Rhode Island.
For more information, call 401-274-9100 or visit www.PilgrimTitle.com.
More details about the Digital Closing Package can be found at www.PilgrimTitle.com and www.digitalclosingpackage.net
Principals of Pilgrim Title:
Shown left to right, James Belliveau, Jeffrey St. Sauveur and Christopher Montalbano
September 11, 2017
Liberty Title & Escrow is a neighborhood provider of nationwide settlement services – able to handle the most complex needs with a high level of personal service. We offer residential and commercial national title and closing services for all transaction types including purchase, refinance, short sale and reverse mortgages. You get fast, detailed, personal attention on every transaction, along with our commitment to facilitating a closing that’s convenient for your customer. What’s more, you have 24/7 access to your Liberty point of contact if you have a question or concern.
We know real estate is a tough industry. Timing is crucial and getting the details right can make or break a deal. With a proven track record of assisting brokers since 1997, you can count on Liberty Title professionals for speed and accuracy: clean titles done right, every time, when you need them.
There is no time to waste in this industry, so you need a title and escrow partner who can keep up. Liberty Title is committed to helping real estate professionals grow their business. That’s why we provide a suite of real estate marketing tools that help you do just that. We are constantly evaluating new tools that can help take your business to the next level.
To learn more about what Liberty can do for you please contact:
Christon Gibson
Account Executive
401.207.7916
August 28, 2017
“The accomplishment we’re most proud of is our consistent ability to earn our customers’ unsolicited rave reviews. Our team takes great pride in making sure every interaction with Birchwood makes our customers’ days easier and less stressful. We help them succeed, and that has helped us succeed.” – Larry Avery, VP of Business Development.
It is this desire to truly be a partner, by providing a level of personal service rarely experienced in the mortgage industry, that has driven Birchwood’s growth over the past 25 years. Birchwood’s goal is simple: to provide mortgage professionals the credit, verification, and compliance service they need to make a more timely lending decision. Give our office a call and you’ll be answered by a real, live, cross-trained individual that is fully capable and eager to help you with any question or concern you may have. When was the last time you looked forward to calling an 800 number?
As a partner we are constantly trying to add value to our relationship. From our consumer-facing credit SmartPay ordering portal to tailored all-inclusive pricing, the team at Birchwood is always leading the way in offering new processes and technologies which increase productivity and maximize cost savings.
The most recent addition to our product line is a first in the mortgage industry and being headed by Samia DeMarco, Client Support Representative. Reach out to her to DISCOVER HOW Birchwood can help you protect your customers from Identity Theft, thus protecting your investment and a borrower’s ability to repay.
For more information, and to be truly delighted, please contact:
Samia DeMarco
Direct 603-408-8323
Office 800-910-0015
Or visit our website!
August 21, 2017
At Equity National Title, we’ve prided ourselves on nearly twenty-eight years of quality customer service and support to lenders, homeowners, and realtors alike. We leverage our title and settlement experience to help guide our clients from start to finish through the entirety of the process.
Our job is more than making closings happen. We’re not just in business for the sake of business. There’s a culture of charity that lives and breathes in our office. With Equity Cares, everyone at Equity continually volunteers their time throughout the year at foundations either already in a relationship with our company, or with entirely new organizations of their choosing, forming another relationship in the process. All this is done with the only goal being to help better our community and hopefully inspire others to take up the call as well. We want to have a transformative effect on our people and the people with whom they come in contact with.
Along that line, customer feedback is an essential piece of who we are and has continued to shape the way that we handle our work, allowing us to customize our products and processes to ensure everything goes smoothly for everyone at the table. If the homebuyer is satisfied, it reflects well on every stakeholder as well.
We show up for work every day believing that if we do right by people, we will be successful. Our partners will continue to grow and flourish. Join us in our mission to make the home buying experience an incredible one.
Olivia Byron hired as Staff Attorney
With a B.A. from Rhode Island College, accompanied by a J.D. from Roger Williams School of Law, Olivia Came to Equity with ten years’ worth of knowledge, experience, and confidence in her field. Olivia first found work as an independent contractor during the refinancing boom, learning the ins and outs – and everything else –while studying for her Bar Exam. She then took her degree to a title company that operated under a similar business model as Equity. The breadcrumbs were already set. Olivia is detail-oriented and can keep a level head. This allows her to sort through the myriad of both paperwork and emotions that transactions involving titles and closings tend to bring out. To Olivia, a job well done is a closing that goes off without a hitch.
When not at work, Olivia enjoys spending time with her family and living up to her self-proscribed title as a shopaholic, ever-chasing the blissful calm of the “complete order” button.
For more information, please contact:
Seth Mintz, VP Business Development
Phone: 401-474-8440
Email: [email protected]
August 14, 2017
OVER 50 YEARS OF SERVICE
Home Loan has provided customers with competitive loan programs, quality service and sound financial advice since 1959, and we have the strength and longevity to continue to serve our customers well into the future.
We provide customers with a one-stop banking experience with several offerings, including:
- Retail banking
- Residential lending
- Commercial lending
- Automobile financing
- Home Improvement lending
- Small Business financing
We believe that meeting the needs of our customers takes precedence over all other business matters. This translates into a unique customer experience that is unrivaled by larger, more commercialized banks. For our banking customers this means no hidden fees, accounts tailored to your lifestyle needs, bank representatives eager to assist you and rates that are superior to our competitors.
For more information, please contact:
Kevin Roche
Vice President, Residential Mortgage Origination
Phone: 800-223-1700 Ext. 295
Email: [email protected]
www.homeloanbank.com
August 7, 2017
Arch Mortgage Insurance Company (Arch MI) has revolutionized mortgage lending in just three years, bringing an unbeatable combination of innovation, financial strength and high-touch customer service to the marketplace.
As a result of the acquisition of United Guaranty Corporation at the end of 2016, Arch MI is now the undisputed industry leader.
With Arch MI, you can originate more loans and qualify more first-time homebuyers. Arch MI RateStar® is the risk-based pricing program that matches our most competitive MI rates to individual loan risk, allowing you to compete more effectively for purchase business and borrowers with strong credit histories. Available on all devices and easy to use, RateStar also guarantees your Final Quote for 90 days. Its simplicity, value and unique design have ensured RateStar’s rapid adoption by loan originators nationwide. Get started at archmi.com/ratestarlogin – all you need is your NMLS number.
Do you have borrowers whose loans don’t quite fit the GSE guidelines? Arch MI can help you with Portfolio PowerSM, available through Arch Mortgage Guaranty Company (AMGC). Designed specifically to support portfolio lending, Portfolio Power offers coverage for eligible non-QM, jumbo and other loans that fall “outside the box.” Our Millennial Mortgage, also from AMGC, has flexible underwriting requirements aimed at qualifying first-time homebuyers with student debt and starter incomes. AMGC empowers you to originate these loans with confidence, since the Master Policy includes true “day one” rescission relief.
Looking for insights into the housing market? Check out our quarterly Housing and Mortgage MarketReview® (HaMMRSM), available at archmi.com/hammr. Each issue features in-depth analysis for states and MSAs, highlights of key developments in housing and the latest Arch MI Risk Index®, an industry touchstone for house price risk.
Train your team with Arch MI! We offer live, complimentary online webinars monthly on a broad range of critical underwriting and processing topics. Register at archmi.com/webinars or download one of our on-demand recordings at your convenience.
Best of all, with Arch MI you can count on responsive, personalized customer service. Our sales and underwriting teams are staffed by experienced professionals who understand your business challenges and are familiar with your market.
QUESTIONS?
Contact your Arch MI Account Manager of Rhode Island and Connecticut:
Lauren Geary, Phone: 203-915-6990, Email: [email protected]
MCUS-B0291-0717
Arch Mortgage Insurance Company | 230 N Elm Street | Greensboro NC 27401 | 800-334-0296
© 2017 Arch Mortgage Insurance Company. All Rights Reserved. Arch MI is a marketing term for Arch Mortgage Insurance Company, United Guaranty Residential Insurance Company and United Guaranty Mortgage Indemnity Company. Coverage is available through admitted company only. Arch MI RateStar, Housing and Mortgage MarketReview and Arch MI Risk Index are registered marks and RateStar, Portfolio Power and HaMMR are service marks of Arch Capital Group (U.S.) or its affiliates.
July 31, 2017
AppraiseRI is a multi-faceted, statewide residential appraisal company, offering valuation, evaluation, consulting and appraisal management services to clients.
The firms’ core philosophy has been to create systems and a management structure that enhances the professional efforts of the local residential expert appraisers, in all five Rhode Island counties and Bristol County, MA.
For more than 20 years we have offered our services to the Rhode Island market and the firm has completed in excess of 30,000 appraisals during that time.
The great preponderance of those assignments has been completed for the mortgage lending community, so we understand the nuances and ever- changing lending landscape.
The mission statement of AppraiseRI, sums up our business philosophy best:
“Providing high quality residential appraisal services to the mortgage lending industry through efficient, centralized operations and neighborhood expertise in every county of Rhode Island”.
AppraiseRI uses different technology and systems, depending on the products and services required by our clients. For example, we developed a proprietary web based software tracking system for direct valuation management and use a third party system for our appraisal management services, with all the required firewall assurances needed to comply with today’s latest Frank-Dodd regulations.
The web based appraisal assignment ordering, reporting and tracking systems, is accessible by all clients with internet access, automatic e-mail notification of status updates, delivery of reports in PDF, XML or any other electronic delivery format required.
AppraiseRI’s centralized operational support functions include; appraisal assignment management, data processing of valuation reports, a formal review process of all appraisal assignments by certified supervisory personnel, as well as assignment, tracking and review coordinators.
Our centralized operational functions provide our local residential appraisers with the management support they need, so that our local appraiser experts professional time is focused on what they do best. We know the appraisers in the state personally and know of their work as well as their reputations and hire only the best.
Our local appraisal experts live in the communities they appraise and in most cases were born and raised in those communities. Our knowledge of the local communities is both in-depth and intimate.
We know the local real estate market, because we are committed to knowing it by hiring, training, and providing our local experts with the resources they need to complete a quality appraisal assignment, in a timely and efficient manner. As our name would indicate and our philosophy would confirm, we are a company made up of:
“A statewide firm with local real estate appraisal experts”
For more information, please contact:
Doug Gablinske, President
401-253-9910
Email: [email protected]
www.appraiseri.biz
July 25, 2017
AAA Northeast Bank (formerly AAA Southern New England Bank) is quite unique and one of AAA’s little-known business lines. It is a Rhode Island state-chartered, non-depository bank, ultimately owned by AAA Northeast (yes, your trusted auto club!). Currently, we do business in RI, MA and CT and are seeking licensing in NY and NJ as part of our Club footprint. All our Mortgage Consultants are licensed, as opposed to registered, in NMLS. We do all our business as a broker, delivering our world-renown “Five Diamond Service” to our members. As such, we are always looking to keep the interests of our member’s top of mind, and look for lenders that will deliver value in their rates and product lines. After all, AAA members are always looking for Discounts and Rewards™! The programs we offer in the mortgage space are first, reverse, equity loans and lines. Within that, we offer conventional, FHA (including Home Equity Conversion Mortgages-HECM), VA, USDA, and Mortgage Credit Certificates through RI Housing. The title attorneys and settlement agents we select must also offer excellent service and value to our members, as well as being well versed in compliance matters.
Educating our members is very important to us, so weoffer seminars and webinars on both First Time Home Buying and Reverse Mortgages every couple of weeks. Schedules and registration are available at https://northeast.aaa.com/financial/mortgage/aaa-northeast-bank-seminar-series.html. Because we are firmly committed to Equal Credit Opportunity principles, we do not limit our offerings to members only, anyone is welcome to attend our informational seminars or apply for mortgage products. Check it out at www.AAA.com/mortgage.
We’re also looking to hire a Loan Officer Trainee (Mortgage Processing knowledge is a requirement, but we pay for the education and testing part of the licensing), an outside Mortgage Consultant and an additional Reverse Mortgage Consultant. See https://northeast.aaa.com/careers.html for further details.
We’ve been involved with RIMBA for many years, and feel that the Association offers great opportunities for personal and professional growth with networking and educational events and continues to act as an advocate for us on the legislative front both locally and nationally. Truly a great value!
For more information, please contact:
Deb Imondi, Vice President
T. 401-868-6230
Email: [email protected]
www.AAA.com/mortgage
July 17, 2017
Headquartered in Springfield, MA, Strategic Information Resources (SIR) has been helping lenders make more informed decisions since 1926. In the early days SIR served as a local credit reporting provider. Through our years as a dedicated partner to our clients, we have expanded both our product line and our marketplace.
Today we are known as a national provider of credit information, independent verification services, appraisal management services, and other risk management services including background and tenant screening. SIR proudly supports several industry associations including the Rhode Island Mortgage Bankers Association. SIR delivers comprehensive, current solutions aligned with the fast pace at which the lending industry operates. As a product innovator we feature solutions that help in risk management and compliance.
Operating as an Appraisal Management Company, our efficient firewall technology, appraisal expertise, and experienced executive management positions SIR as the ideal candidate to fulfill your appraisal management needs. SIR provides full service Appraisal Management Services that features flexibility and customization to design a solution that meets your company needs. As partners, we design a service solution with you that ensures compliance with all applicable regulation and delivers quality USPAP compliant appraisal reports. Your company will benefit from SIR’s unique full service approach which includes monitoring of appraisers, dispute resolution services, optional collateral underwriter and review services.
We are proud to provide outstanding service to all of our clients and hope that if you have not taken a look at our full service listing that you visit us online. All of us here at SIR look forward to working with you in the future.
For more information, please contact:
Scott Pryor
800.332.9479 x310
[email protected]
www.strategicinfo.com
July 10, 2017
Atlantic Home Loans, established in 1999, is a regional mortgage banker based out of NJ, with offices throughout the east coast. Locally, Atlantic has offices in Portsmouth, East Greenwich, and Warwick. We are a well established team of loan officers and always excited to add new talent to the team.
As mortgage bankers, our only business is providing home financing to our clients. As the old addage goes, “do only one thing, and do it the best”, and we bring this to work with us everyday. We strive to be the premier mortgage lender in our markets, and focusing on mortgage banking has allowed us to offer our clients the most attractive mortgage products available in the marketplace. Not only are we government endorsed FHA lenders and Fannie Mae direct sellers, we’ve established mortgage banking relationships with America’s leading financial powerhouses, and some of our community’s first class savings banks. This ensures that our clients have access to the best mortgage products at the most competitive price.
We understand that our success must start with providing the best suite of products, but that isn’t what’s going to set us apart. Every great company is built upon a strong corporate culture that’s dedicated to its employees and clients, and our culture permeates throughout everything we do, whether its our support staff who treat our sales team as clients, or our loan officers dedicated to assisting homeowner’s with financing at all hours of the day, seven days a week.
Our number one mission is to have our homeowners, and business partners, come away not only knowing that they were treated as valued clients, but that it was done with pleasure.
Thank you for giving us the opportunity to work with you.
For more information on Atlantic Home Loans contact:
George DeVine, Production Manager
Phone: (401) 301-0130
www.atlantichomeloans.com
June 12, 2017
Embrace Cares
Embrace Home Loans, is proud to sponsor the R. I. Mortgage Bankers Association’s 27th Annual Golf Tournament in Memory of Patti Slepkow on June 19th. Embrace Home Loans Warwick branch is devoted to supporting the local community and further enriches the philanthropic company culture and commitment to helping others in the community.
Embrace Home Loans participates in numerous charitable events throughout Rhode Island, such as the American Cancer Society’s Relay for Life, where their team “Embracing the Cure” has raised more than $70,000 over the past 7 years to help the American Cancer Society. Embrace Home Loans also recently celebrated its 34th anniversary by helping dozens of local organizations throughout Rhode Island during its annual Orange Week. Teams volunteered at local churches and community centers, such as Middletown, R.I.-based Methodist Community Gardens. Other Rhode Island teammates donated their time to organizations such as The Confetti Foundation, Lucy’s Hearth, Boys Town and the Norman Bird Sanctuary. Embrace Home Loans also created Embrace Cares, a program that allows Rhode Island team members the ability to support causes they care about, including the opportunity to work face-to-face with people in the community who need it the most. Camp Ruggles in Chepachet, Rhode Island is one of those organizations that the Warwick Branch has supported in the past.
Rhode Island Roots. National Reach.
Founded in 1983, Embrace Home Loans is a multi-billion dollar direct lender for Fannie Mae and Freddie Mac, approved by FHA and VA, and an issuer for Ginnie Mae. Today, Embrace Home Loans is one of the country’s fastest-growing home lenders. Embrace maintains their corporate headquarters in Middletown, Rhode Island, where it all started and opened a retail branch in Warwick in 2016, located at 935 Jefferson Blvd.
Embrace Home Loans has remained a prominent leader in the industry, having helped hundreds of thousands of individuals and their families purchase new homes, lower their monthly payments and consolidate high-interest debt since its inception. With 80+ offices and licensed in 46 states and D.C., Embrace has been recognized seven times as one of the Best Medium-sized Companies to Work for in America by Fortune and four times as one of the Fastest Growing Companies in America by Inc. The company has also been recognized eleven times as one of the Best Places to Work in Rhode Island and as the Most Community Involved Company in Rhode Island by Providence Business News.
For more information, please contact our Warwick branch at 401- 608-8090.
June 5, 2017
Based in Dallas, Texas, national mortgage lender PrimeLending is a name that’s been known for strength and stability for over three decades. We are committed to helping our clients navigate the home financing process and achieve their dreams of homeownership. Our home financing programs come with personal attention and straightforward guidance and our core purpose is to work together to have a profound and positive impact on the lives of all we serve.
PrimeLending takes pride in being a premier lender that offers a wide array of loan products which cater to the specific needs of each individual, including fixed-rate conventional mortgages, adjustable-rate mortgages, Jumbo, FHA and VA loans, renovation and construction financing, refinancing and relocation programs. The in-house processing, underwriting*, and closing departments simplify and accelerate the loan process1. Our experienced mortgage professionals are dedicated to leading the way to a positive and successful home loan experience.
In the first quarter of 2017, PrimeLending officially opened its first office in Rhode Island. “Entering the Rhode Island market was extremely important to us as we continue to grow as a leading purchase lender in the northeast,” lifelong Rhode Islander and northeast regional manager Mike Watkinson said. “With this expansion, we’ll be supporting some of the very best loan officers while continually investing in our process and technology to help enhance the customer experience. We’re in a great position to step into the Ocean State and meet borrowers’ needs for purchase and renovation loans.”
PrimeLending’s NEW OFFICE has just opened in Garden City and is located at 180 Midway Road, Cranston, RI (NMLS: 1592736). The branch is being managed by Production Manager Christene Comolli (NMLS: 83175).
Feel free to contact Christene at 401-575-2176 to learn more about joining PrimeLending’s RI team.
*Not available on all product types or in all areas
1On time closing and fast processing dependent on many factors including receiving timely documentation from the borrower.
All loans subject to credit approval. Rates and fees subject to change. Mortgage financing provided by PrimeLending, a PlainsCapital Company. Equal Housing Lender. © 2017 PrimeLending, a PlainsCapital Company. PrimeLending, a PlainsCapital Company (NMLS: 13649) is a wholly owned subsidiary of a state-chartered bank and is licensed by: RI Division of Banking – lender lic no. 20102678LL and broker lic no. 20102677LB. V021216
May 29, 2017
Peter Barna Hired as Regional Sales Manager for Province Mortgage Associates
Province Mortgage Associates continues to reinforce its unwavering commitment to growth by expanding further into Connecticut with the hiring of seasoned mortgage professional, Peter Barna. Born in Shelton, CT, Peter has been practicing in the mortgage industry for over twenty years. He began his career as a Processor with Ford Consumer Finance in 1997 where he learned the importance of great customer service. In his first year of business Peter made a natural transition into mortgage sales and was quickly recognized as a top producer, earning him the “Circle of Excellence” Award. Peter says, “The key to sales is NOT selling; it’s teaching!” Year two with the company revealed his skills as a leader and educator with Peter becoming the company’s youngest Sales Manager in charge of mortgage sales in both Massachusetts and Pennsylvania.
Peter’s entrepreneurial spirit inspired him to launch his own mortgage brokerage firm, Capitol Mortgage Network, in 2002. His commitment to building a prosperous company allowed him and his team to help thousands of homeowners with their mortgage needs. After eight remarkable years he sold his company to become the General Sales Manager for Connecticut Home Mortgage in 2010. He eventually landed at Wells Fargo Home Mortgage in 2013 where he tripled the size of his sales team while opening an additional office within the competitive CT real estate market.
In May of 2017 Peter made his move to Province Mortgage Associates as the company’s first Regional Sales Manager where he is taking on his new role of building not just a sales team, but an entire region of like-minded mortgage advisors throughout the State of Connecticut. Company President, David Currie shares, “Peter’s motor never stops running with a work ethic and positive attitude that is very contagious. His drive to succeed coupled with the respect he has earned from his peers in his marketplace made him the obvious choice to grow Province into new territory.” Peter is excited to introduce his extensive network to the culture of quality, care, and customer Service that Province Mortgage is known for throughout New England. “If I still had my own company I would want it to be exactly what Province is today: a group of genuine people who together create an amazing culture with a leader in Dave Currie that makes sound decisions for his employees and clients.”
Peter now resides in Southbury, CT with his wife Jennifer and their four children. Peter enjoys spending his free time in the outdoors with his three boys, helping with their soccer teams or taking them fishing in the beautiful rivers of CT. He is also sure to make plenty of time to play dress up with his little daughter as well.
Our Mission
We’re motivated by the success of our remarkable people, the satisfaction of their clients, and having the best reputation on the street.
For more information on Province Mortgage, visit their website:
www.provincemai.com
May 22, 2017
For over 75 years Avantus has been providing customized mortgage credit reports, mortgage settlement services and technology solutions to the nation’s financial community. Our goal remains simple, to provide our partners with the proper tools to grow their business, stay compliant, and close more loans!
Aside from our credit reports Avantus offers complete line of ancillary lending products and services such as Automated Decision Engines, Credit Score Improvement Tools, and Automated Valuation Models. As well as providing a suite of easy to use compliance tools aimed at protecting your business against fraud.
In addition we offer a new product called “startmyapplication.com” that can eliminate your upfront credit cost and enabled you to generate additional leads with your business partners and Realtors!
While our technology is second to none, we not an “internet only” company. Our teams of customer and technical support personnel, programmers, and sales associates have decades of experience in the lending industry and offer a superior customer support experience; as well as consultative assistance. Our averaged tenured employee is over 22 years!
Whether you are a small or large organization, local or national we at Avantus can help!
For more information please contact:
Avantus
Phone: 1-800-243-0120 ext. 137
Website: www.avantus.com
May 15, 2017
For more than 50 years, CATIC has protected the interests of individuals and entities who purchase and finance real estate. As New England’s largest domestic title insurance underwriter, our staff and the more than 2,000 agents who issue our policies are experts in the nuances of the region’s lending and real estate closing practices. It is this expertise, coupled with our financial strength and superior claims-paying ratings, that over 1,800 national, regional and local lenders have come to depend upon us when financing New England real estate.
In addition, we are an active participant in our industry and community, CATIC is involved with and supports a variety of associations and charitable causes throughout New England.
CATICTrac provides nationwide title clearing services. Available on commercial and residential property, we can track and obtain any document need to clear or perfect a lien. From discharges and releases to assignments and POAs our service can be retained to manage a single issue or large scale portfolio projects.
For more information please contact:
CATIC : (860) 513-3140
CATICTrac: (800) 842-2216 ext. 3105
www.catic.com
April 13, 2017
Personal and Company History
The Mortgage Corner® of New England is a licensed mortgage broker in Massachusetts and Rhode Island offering a full selection of mortgage products represented by many national mortgage lenders. President Jeff Desrosiers and Senior Vice-President Tom Foley have a combined 66 years of mortgage experience. Jeff & Tom started working together at Old Stone Bank in 1984.
Jeff left Old Stone Bank in 1992 to start mortgage operations at AAA Sothern New England. Serving AAA’s local 2.3 million members in Rhode Island and Massachusetts, he lead AAA into the mortgage business. He became Vice President of Financial Services adding auto loans, credit cards and all other financial products under his direction including the formation of AAA Bank in 2000. In September of 2001 he left AAA to open his own mortgage company The Mortgage Corner® of New England where he is today.
Upon Old Stone Bank closing, Tom started his own company with New England Pacific Mortgage in 1994. Joining forces with many former Old Stone employees Tom lead a group of mortgage professionals into a successful mortgage company.
Jeff & Tom stayed in communication during their years apart and in 2009 decided to team up again at Mortgage Corner® of New England. The mortgage meltdown of 2008 caused many mortgage professionals to leave mortgage brokers and join banks or large mortgage companies. The Mortgage Corner® of New England has not only survived but thrived as one of the few mortgage brokers remaining in Rhode Island.
How we work
Our independence and network of lenders allows us to service our clients and maximize the mortgage programs we can offer them. We are not limited to one lenders rates and programs. We have many lenders to provide options for our clients. Out national lenders give us the power to offer great rates and turnaround time while our local lenders allow us to offer non-conforming loans such as construction loans or rehab mortgages. We were the first mortgage broker allowed to do business with Rhode Island Housing & Mortgage Finance Corporation and continue to offer their amazing programs today.
We are located in Warwick, RI central to the state. We still believe in local face to face service allowing us to meet our clients at their convenience. We were recently voted as one of the top 3 lenders in the Providence Journal Readers Choice awards. Our goal is to create lasting relationships with our customers by providing them with the mortgage product that best suits their financial need at the best interest rate available.
For more information on The Mortgage Corner of New England visit:
March 30, 2017
Washington Trust was founded in 1800, just 24 years after the colonists declared independence and a mere nine years following the establishment of the country’s first national bank in Philadelphia.
Today, Washington Trust is the oldest community bank in the nation, the largest state-chartered bank headquartered in Rhode Island, and one of the Northeast’s premier financial services companies – offering a comprehensive range of financial services, including commercial banking, mortgage banking, personal banking, and wealth management and trust services through offices located in Rhode Island, Connecticut, and Massachusetts.
The bank was the first bank to print George Washington’s likeness on currency — 69 years before President Washington appeared on the federally issued one-dollar bill and 132 years before the Washington quarter appeared.
In 2015, Washington Trust was recognized by Forbes as one of “America’s 50 Most Trustworthy Financial Companies,” and has been named one of the “Best Places To Work” in Rhode Island by Providence Business News for six consecutive years.
In 2016, Washington Trust’s Mortgage Division had its best year in their long history by providing $870 million in residential mortgage financing.
For more information on Washington Trust visit:
www.washtrust.com/Personal-Banking/Mortgages