Your Local Mortgage Lender
Located in Providence, Rhode Island
Personalized Mortgage Experience
I joined the mortgage industry in 2002 after serving overseas with the U.S. Army. Since then I have helped thousands of clients purchase or refinance their homes.
I pride myself on being accessible and dependable. Whether purchasing a new home or refinancing an existing mortgage, choosing your mortgage professional is an important step. My goal is to act as a trusted advisor, providing personalized service helping you through every step of the loan process from application to closing and beyond. From first homes to dream homes I can help you get there quicker using our Upfront underwriting and ultra-efficient process.
I am a VA loan expert and I also offer a wide portfolio of programs such as FHA, Conventional, VA, Jumbo, Renovation, First Time Homebuyer, Down payment assistance, HELOC, HEloan, Reverse, Non QM , and residential commerical loan progams.
I take pride in thoroughly educating my customers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. Whether you are a first time home buyer or seasoned owner, you can trust me and my team with all of your home financing needs.
Please reach out anytime using the contact information located on this page and use this website as a resource as you start your home financing journey.
The Home Loan Process
Mortgage Pre-Approval
Get pre-approved from one of our Loan Officers to see how much you can afford.
House Shopping
Work with a trusted Real Estate Agent to find a home you would like to move into.
Loan Application
Complete your home loan application to get the lending process started.
Don't take my word for it
Mortgage Programs
Experience the best mortgage experience located in Providence, Rhode Island}.
Home Loan Options
Our experienced mortgage advisors will walk you through the best mortgage loan program that will fit your specific scenario.
Conventional Home Loans.
FHA Home Loans.
USDA Home Loans.
VA Home Loans.
Frequently Asked Questions
How often can I refinance my mortgage?
There is no limit to the number of times you can refinance. However, you must qualify every time you apply and there will be costs associated with closing the loan each time.
Can I buy a home if I do not have money for a down payment?
Yes! There are a number of bond programs that offer low or no down payment financing options.
How do I know which mortgage is right for me?
The key to choosing the right mortgage is to understand the range of options and features available to you, as well as your budget, circumstances, and goals. Our licensed mortgage professionals are here to help you navigate that process. The more you know, the more comfortable and confident you will be choosing the best option for you and your family.
How long will the loan process take?
The Truth in Lending Act (TILA) does not permit a lender to close a loan until at least seven (7) business days have passed from the date your application was received. A typical home loan takes 30 days, as a number of third-party services such as appraisals, title work, and credit are required in conjunction with the mortgage process. Once you familiarize your Loan Officer with the details of your specific loan scenario, they will be able to provide you with a more specific timeline.
Will I qualify for a home loan?
The only way to find out is to speak with a qualified mortgage professional. Our Loan Officers have helped numerous clients who didn’t know if they could qualify to become home owners. We take the time to understand your financial situation and long-term financial goals, and then match you with the loan program that best fits your needs. Your approval for a loan may also largely depend on the price of the home you are financing. Getting pre-qualified prior to beginning your home search can give you an idea of what you may be able to afford.
Why do people refinance their mortgages?
Homeowners typically refinance to save money, either by obtaining a lower interest rate or by reducing the term of their loan. Refinancing is also a way to convert an adjustable loan to a fixed loan or to consolidate debts.
How much money will I have to pay upfront to buy a home?
This question does not have a simple, one-size-fits-all answer. The exact amount will depend on the price of the home you buy as well the type of mortgage financing you choose. Depending on your loan program, your down payment could be as much as 20% of the home’s price or as little as 3%, while some loans require no down payment at all.
Can I get a mortgage after bankruptcy?
You may still qualify for a home loan even if you have experienced a bankruptcy. The best way to find out if you qualify is to talk with a Loan Officer to discuss your options. Be sure to bring all paperwork regarding your bankruptcy so your Loan Officer can find the program that best fits your situation.
Should I lock my interest rate now, or wait until we are closer to our closing?
Interest rates fluctuate all day, every day. If an interest rate is good, it may be in your best interest to lock now. If you wait, you run the risk of an increase in rates later. If you are concerned that rates may go down after you lock, contact your Loan Officer to discuss your options. Some programs allow you to lock for an extended period and choose to lower your rate should a better one become available.
Most Recent Blog Updates
There Are 2679 Down Payment Assistance Programs Available Right Now and Most Buyers Never Ask
There Are 2679 Down Payment Assistance Programs Available Right Now and Most Buyers Never Ask
The Data Point That Should Change How You Think About the Down Payment Barrier
If saving for a down payment has been the main reason you have been putting off buying a home the Q1 2026 Homeownership Program Index just confirmed something worth paying close attention to. There are currently 2,679 active down payment assistance programs available across the country. That is an all-time high and it represents a significant pool of resources that most buyers never find out about because nobody in the process proactively brings it to their attention.
What These Programs Actually Offer
The variety of structures across the available programs means considerably more buyers qualify than most people assume and the assistance comes in forms that address the most common upfront barriers to homeownership directly.
Some programs offer outright grants that never require repayment. The funds come in, cover the down payment or closing costs, and the financial obligation ends there. For qualifying buyers this structure effectively removes the cash barrier to homeownership entirely without adding any debt obligation going forward.
Other programs provide interest-free second mortgages that deliver funds upfront with repayment structured over time at zero interest. The only cost is repaying the principal. No interest accumulates and no additional carrying cost is added to the monthly budget beyond the repayment itself.
Some programs are tied to specific neighborhoods, income thresholds, or property types that create eligibility for a broader range of buyers than most people assume. Middle-class buyers are increasingly accessing these programs as eligibility has expanded and some areas have made tens of thousands of dollars in interest-free assistance available to income levels not traditionally associated with first-time buyer programs.
Why Most Buyers Never Hear About What Is Available
Here is the frustrating reality behind this all-time high in available assistance. Most lenders do not bring these programs up in their standard process. Not because buyers do not qualify and not because the programs are irrelevant. Because coordinating down payment assistance takes extra work that many lenders simply choose not to incorporate into how they serve buyers.
As Keith Calabro explains the buyers who successfully access these programs are almost always the ones who specifically asked rather than the ones whose lenders identified the opportunity proactively. That means the information gap between buyers who know to ask and buyers who do not translates directly into thousands of dollars of assistance that is either captured or left behind based entirely on whether the right question got asked.
The Question to Ask Every Loan Officer You Speak With
The most immediately actionable step any buyer can take is specific and simple. When you talk to a loan officer ask them directly and specifically which down payment assistance programs you qualify for in your area. Not a general question about loan options. A specific question about DPA programs tied to your location, your income level, and your purchase price range.
A loan officer who has done this work will have the programs identified and be able to walk you through what applies to your situation without hesitation. A loan officer who cannot give you a specific answer either does not have access to those programs or has not invested the effort to map them for buyers in their market.
The 2,679 programs that exist right now represent an all-time high in available buyer assistance. The only variable is whether you find out about them in time to use them or discover them after decisions have already been made.
Keith Calabro works with buyers to identify every applicable down payment assistance program and build a purchasing strategy that captures every available dollar of assistance. Reach out to Keith Calabro to find out which programs you qualify for and how much help may be available to you right now.
Sources
DownPaymentResource.com HUD.gov ConsumerFinancialProtectionBureau.gov NAR.realtor MortgageNewsDaily.com
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