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
Two VA Loan Red Flags Every Veteran Should Know Before Shopping for a Mortgage
Two VA Loan Red Flags Every Veteran Should Know Before Shopping for a Mortgage
The Misinformation That Is Costing Veterans Money on Their Home Loans
Veterans who are shopping for a VA loan deserve accurate information and a fair deal. Unfortunately the VA loan market includes some practices and claims that take advantage of borrowers who do not know what to watch for. Here are two specific red flags that every veteran should understand before they sit down with a lender.
Red Flag One: The Lender Who Claims the VA Sets Rates and Fees
If a loan officer tells you that the VA sets mortgage rates or that the fees being charged are VA requirements they are not telling you the truth.
The VA does not set mortgage rates. Each individual lender determines the rate they offer on VA loans based on their own pricing, their cost structure, and their assessment of the market. Rates vary from lender to lender on VA loans just as they do on conventional products and shopping multiple lenders to compare rates is not only appropriate it is essential for getting the best terms available.
The VA also does not set lender fees. The VA does charge a funding fee which is a government fee that helps fund the VA loan program and which can be waived entirely for veterans who have a qualifying disability rating from the VA. But the origination fees, lender fees, and processing charges that some lenders layer onto VA loans are not VA requirements. They are lender decisions and they vary significantly across the market.
As Keith Calabro explains he has seen origination fees on VA loans at 1 percent of the loan amount and considerably higher at some of the larger national VA lenders. On a $400,000 loan that is $4,000 or more in fees that the veteran is paying not because the VA requires it but because the lender charges it. His team waives the lender fee on all VA home financing whether it is a purchase or a refinance because that cost is not something veterans should be required to absorb.
If a lender is telling you their fees are set by the VA and non-negotiable that is a red flag worth taking seriously. Get a second opinion.
Red Flag Two: Lenders Who Imply They Are Affiliated With the VA
The second red flag is closely related and equally important for veterans to recognize. Some large national lenders in the VA loan space market themselves in ways that suggest or imply an official relationship with the Department of Veterans Affairs. Branding, advertising language, and sales approaches that invoke the VA's authority or suggest endorsement should raise immediate questions.
The VA is not affiliated with any private lender. The VA does not share veteran information with lenders. The VA does not endorse, sponsor, or recommend any specific bank, lender, or loan officer. Any lender whose marketing suggests otherwise is creating a false impression of official status that is designed to build trust it has not earned.
Veterans who encounter this kind of marketing should treat it as a signal to investigate further rather than a reason to trust more. The implied government affiliation is a marketing tactic not a credential.
Get a Second Opinion Before You Commit
The VA loan benefit is one of the most powerful financial tools available to veterans and using it with a lender who charges unnecessary fees and provides inaccurate information about how the program works can cost thousands of dollars that should have stayed in the veteran's pocket.
Keith Calabro is a military veteran and VA loan specialist who works with veterans to make sure they are getting the best possible terms on their VA home financing. If you are shopping for a VA loan and something a lender has told you does not feel right reach out to Keith Calabro for a second opinion before you commit to anything.
Sources
VA.gov MilitaryOneSource.mil ConsumerFinancialProtectionBureau.gov MortgageNewsDaily.com NAR.realtor
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