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

 

www.sierrapacificmortgage.com/Johnston

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 

jsalinger@mortgagenetwork.com 

www.JonathanSalinger.com

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.

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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 ccamirand@homepointfinancial.com.

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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 peter.yetman@genworth.com to learn more about what we can do for you and your homebuyers.

Let’s help someone buy a house today.

new.mi.genworth.com

 

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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.

www.fnf.com

 

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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
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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.

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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 patrick.deady@bankfive.com.

 

 

 

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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

jhh@psh.com

 

 

 

Melissa E. Darigan

med@psh.com

 

 

 

 

Michael A. Gamboli

mag@psh.com

 

 

 

 

 

John J. Partridge

jjp@psh.com

 

 

 

 

David J. Pellegrino

djp@psh.com

 

 

 

 

Alicia J. Samolis

ajs@psh.com

 

 

 

 

 

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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

closingsdoneright@equitynational.com

www.equitynationaltitle.com

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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.

 

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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. GSchadone@schadonelaw.com

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. DUrsillo@schadonelaw.com 

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. CBattinger@schadonelaw.com

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. AGallone@schadonelaw.com

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

closings@schadonelaw.com

 

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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:

www.shamrockfinancial.com

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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
Anthony M. Amaral

Mortgage Loan Originator

401.559.9006

NMLS# 712093

 

Celinda M. Joaquin

AVP, Mortgage Loan Originator

401.286.8637

NMLS# 472583

 

Jennifer A. Kosh

AVP, Mortgage Loan Originator

401.265.5825

NMLS# 83776

 

Denise C. Tourangeau

AVP, Mortgage Loan Originator

401.827.5288

NMLS# 472579

 

Member FDIC/ Equal Housing Lender/NMLS# 402947

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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

MLima@LimaLawOffices.com

Connect with us on Facebook:                                                 

https://www.facebook.com/limalawoffices

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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.

 

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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:

Samia DeMarco

Regional Sales Manager

Direct 603-408-8323

Office 800-910-0015

Samia@birchwoodcreditservices.com

Or visit our website!

www.birchwoodcreditservices.com

 

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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

michael.stevens@essent.us

Underwriting:

underwriting@essent.us | 877.330.3535

Customer Support:

essentconnect@essent.us | 855.282.1483

 

 

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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

Susan@FenixRI.com

Skelly@apsolutionsonline.com

www.fenixri.com

www.apsolutionsonline.com

 

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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,

joe@myccmortgage.com

https://crosscountrymortgage.com/

*CCM is ranked #1 out of 19 similar sized companies by Ellie Mae for processing cycle times.

 

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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

mail@slepkowlaw.com

www.slepkowlaw.com

 

 

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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

  1. FRIENDLY CLOSING STAFF                                                         

We are actually happy when you and your clients call.

  1. SALES SENSITIVE STAFF

We know how important Buyers, Sellers, Realtors, and Loan Officers are and treat them with the respect they deserve.

  1. FAST TITLE SEARCHES

We have staff Title Examiners and offer excellent turnaround time.

  1. FLEXIBLE SCHEDULES

We have 4 Closing Attorneys and can close at customer’s convenience.

  1. FLEXIBLE LOCATIONS

Two RI branches and willingness to travel to Realtor Offices.

  1. 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.

  1. DEDICATED ATTORNEYS

Our lead Attorneys specialize in Real Estate. They won’t be in court when you or your clients have questions!

  1. EXPERIENCED TEAM

We have been handling Title Searches for 53 years. We fix problems!

  1. STRONG DESIRE TO CLOSE THE LOAN BEFORE THE MONTH ENDS

Just like you!

  1. EXCELLENT REPUTATION

Reputation for Accuracy and Professionalism throughout Realtor community. *Check out some testimonials by local industry leaders! (www.prioritytitlecompany.com/testimonials)

Address: 133 Old Tower Hill Rd, Suite 2, Wakefield, RI 02879

Tele: 401.789.0276

Email: Team@PriorityTitleCompany.com

Website: www.PriorityTitleCompany.com

 

 

 

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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

Heath_Lefort@banksi.com

cell 401-641-0344

E-Fax: 860-456-5229

www.savingsinstitute.bank

 


 

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 sellers launched in December 2017 through a strategic alliance with the Federal Home Loan Bank of New York, which received final approval 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 and cumbersome relationships in order to transact confidently and efficiently with numerous qualified counterparties.
  • Enhanced Value & Liquidity: We believe MAXEX’s centralized participant approval and monitoring, standardized contracts, independent loan audits, and backstop mechanism together should enhance the value and liquidity of mortgage loans that pass through the Exchanges.
  • Best Execution Pricing: Single, centralized counterparty allows for anonymous two-way trading 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

rgoodleaf@maxex.com

646-385-2126

www.maxex.com

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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

ndungca@oceanstatecu.org

www.oceanstatecu.org

_________________________________________________________________________________________________________________________________________________

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 ofcCranston.

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
481 Atwood Avenue
Cranston, RI 02920

 

 

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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:

 

 

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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
  
Cheri McCarthy
Regional Team Leader
(617) 947-5832

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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

ddecubellis@navigantcu.org

www.navigantcu.org

 

 

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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 

Robert.Favicchio@TexasCapitalBank.com

www.tcbcorrespondentlending.com

Tim Gilbert

VP, Relationship Manager, Warehouse Lending Division

908-601-7695 

Tim.Gilbert@TexasCapitalBank.com

www.tcbwarehouselending.com

 

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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)

mary_ellen_macinnis@mgic.com

 

 

 

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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: cdenelle@denelleandelliott.com

Fax: (401) 434-2934

1 Grove Avenue

East Providence, RI 02914

 

 

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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
ann-marie.copland@flagstar.com

wholesale.flagstar.com

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

Emailjkosh@centrevillebank.com

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

___________________________________________________________________________________________________________________________________

 

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

carey.buckley@radian.biz

___________________________________________________________________________________________________________________

 

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

MLima@LimaLawOffices.com

Connect with us on Facebook:                                                 

https://www.facebook.com/limalawoffices

______________________________________________________________________________________________

 

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

sfry@coastway.com

(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: cconaty@conatylaw.com

 


 

 

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 closing documents.
  • Agent and Lenders contact information, photo and/or company logo is displayed on the site every time a client logs 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

Christon.gibson@libtitle.com

401.207.7916

www.libtitle.com

 

___________________________________________________________________________________________________________________________________

 

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

Samia@birchwoodcreditservices.com

Or visit our website!

www.birchwoodcreditservices.com

 

 

 


 

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
Emailsmintz@equitynational.com

www.equitynationaltitle.com

 


 

 

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
Emailkroche@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: lgeary@archmi.com

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

Appraise RI

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: doug@appraiseri.biz

www.appraiseri.biz


July 25, 2017 

AAANEBank_4C

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: dimondi@aaanortheast.com

www.AAA.com/mortgage


July 17, 2017 

SIR Logo Wide - High Res1

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

spryor@strategicinfo.com

www.strategicinfo.com


July 10, 2017

AHL LOGO as per E Buchser

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 

EmbraceHomeLoans_logo_622x172

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.

www.embracehomeloans.com


June 5, 2017

Prime Lending

 

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.

www.primelending.com

*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
PM Logo
Peter Barna Hired as Regional Sales Manager for Province Mortgage Associates
Peter Barna

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:

May 22, 2017 
Avantus_logo_final
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 
CATIC
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

April 13, 2017

The Mortgage Corner2

The Mortgage Corner of New England

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:

www.tmcofne.com


March 30, 2017

Washington Trust

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.
$3 Bill
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: