About Jim Earl
Jim Earl joined Rate in March 2014. He holds a BS in Business Administration from Norwich University and has 30+ years of experience in mortgage lending. He’s a well-known and respected mortgage professional obtaining several prestigious awards over the years. Jim utilizes his extensive financial background to meet the home financing needs of his clients. Jim is Regional Manager for Rate, managing all of Connecticut, Rhode Island & Western Massachusetts. Jim’s Region is headquartered in his Southington, CT office. Jim has been a consistent top producer and has established himself as a specialist in creating beneficial borrower alternatives through diversified products offerings. He’s consistently ranked in the Top 1% of Mortgage Originators in the country for several years by Mortgage Executive Magazine, and he continuously reaches President’s Club membership status at Rate for his loan origination achievements. Jim's boutique approach to mortgage lending provides clients with personal attention, a steadfast commitment to detail, service with integrity, suitable products and competitive rates. Jim resides in Southington, CT with his wife, Linda. They have five children; Jake, Katrina, Jessica, Laura, and Micala. In his spare time, Jim enjoys boating, fishing, golfing and skiing. He has also been an assistant High School Football coach in Southington for the past 8 years. Jim is very active in the community having been the director of the Connecticut House of Heroes and a member of the Rotary Club of Southington. Year after year Jim has given back to his community by way of generous donations to the Southington Community Services Center and Bread For Life organizations who help provide food and goods to less fortunate members of the community.
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Bank Statement loans
Self-employed? Our Bank Statement Loan program allows self-employed borrowers to seek a home loan without tax returns, W2s or pay stubs.
Foreign National loans
Not a US Citizen? Foreign National loans are available without a social security number, green card, or visa and do not require a FICO score.
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Located at 176 Laning Street, Suite 2 Southington CT, 06489
*Rate's 5-minute pre-approval refers to an automated underwriting review of borrower submitted loan documentation and subsequent pre-approval and should not suggest to a borrower that Rate has fully funded or approved the borrowers mortgage application within 5 minutes. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Restrictions apply.
**Rate's Same Day Mortgage promotion offers qualified customers who provide certain required financial information/documentation to Rate within 24 hours of locking a rate on a mortgage loan the opportunity to receive a loan approval within 1 business day of timely submission of documentation and does not suggest that the borrower will receive funding on the same day as their application submission. For purposes of this offer, documents provided after 1 pm local time or on a weekend or company holiday will be deemed submitted the next business day. Rate cannot guarantee that a loan will be approved or that a closing will occur within a specific timeframe. Rate reserves the right to revoke this approval at any time if there is a change in your financial condition or credit history which would impair your ability to repay this obligation. Read and understand your Loan Commitment before waiving any mortgage contingencies. Borrower documentation and Intent to Proceed must be signed within 24 business hours of receipt. Not eligible for all loan types or residence types. Minimum down payment requirements apply. Not all borrowers will be approved. Borrower's interest rate will depend upon the specific characteristics of borrower's loan transaction, credit profile and other criteria. Not available in all states. Restrictions apply. Visit rate.com/same-day-mortgage for terms and conditions.
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