With 40+ years in the Banking Industry, Ron brings a tremendous set of knowledge and skills beyond just mortgages. Ron joined the mortgage industry in 2006. His outstanding people skills are evidenced by being named a ýConnecticut Top Mortgage Professionalý by Connecticut Magazine for the past three years running.  Ron is fluent in the full range of mortgage products as well as Reverse Mortgages. He has processed more than 100 of these loans as a Mortgage Loan Officer. He does not ýsellý these products as much as fully educates clients and their families as to how they work. The final decision is theirs and his extensive experience helps move them through the process. Ron feels that, in all mortgage situations, setting expectations of the client is critical, specifically in the area of required documentation. Each client receives an overview of document requirements so they are comfortable knowing what is to come in the loan process and avoiding ýsurprisesý. ýMy greatest satisfaction comes when homebuyers receive the keys to their new house. Second to that would be the client who has been told repeatedly that they cannot qualify for a loan and we are sitting at the closing table.ý Ron holds a BS in Finance from Central Connecticut State University and is a graduate of the Williams College School of Banking. He is a long time Board member of the United Way of Southington holding various Officer Positions. Having joined Rotary in 1979, he is Past President and has been awarded the Paul Harris Fellowship Award by its members. He has been the Treasurer of the Southington South Little League since 1998 and remains active in the community.

VP of Mortgage Lending

Ron Klein is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Ron is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Ron at (860) 406-8108 for more information!

Ron Klein at Rate (NMLS #108371)

Paul Hirschauer is a customer-centric Senior Vice-President of Mortgage Lending at Rate, Inc. With 24+ years of professional experience, Paul has been recognized as a member of the top 1% of funded loan volume producers in the nation and credited with personally closing $2B+ in residential mortgages. He is the recipient of multiple sales awards including Chairman's Circle and President's Club. With proven expertise in jumbo, super-jumbo, and second home financing, Paul also possesses the ability to offer mortgages to clients of all backgrounds. He has successfully helped first time home buyers, government loan recipients, and clients requiring conforming loan amounts. Licensed in Connecticut and New York, Paul and Rate are capable of servicing clients across the United States.  Committed to helping clients achieve the American Dream of homeownership, Paul, alongside his highly talented team, provides superior 5-star mortgage services in an effort to build lifetime relationships formulated on customer assistance, trust, and integrity. As a trusted partner and mortgage banker, Paul handles each client transaction and consults multiple lenders to offer the best rate and mortgage solutions. Furthermore, Rate has strong relationships with many major banks as well as small boutique investors. Because of this, consumers are offered extremely competitive rates, high-quality underwriting services provided by in-house professionals, and an internal closing department that takes full control of every step of the loan process. Finally, in an effort to ensure best-in-class services, only local appraisers are contracted for consultation in the appraisal process.  Paul invites you to contact him for more information on how he can help you find the best mortgage to fit your needs. Or, discover if you are pre-approved right now!

SVP of Mortgage Lending

Paul Hirschauer is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Paul is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Paul at (860) 868-6060 for more information!

Paul Hirschauer at Rate (NMLS #235986)

Born and raised in Massachusetts, I now split my time between Suffield Connecticut and Otis Massachusetts with my loving wife and the most handsome pup you'll ever see. I have two beautiful daughters and one adorable granddaughter; find me on social media, the family pictures will make your day! I graduated with a BS in Business Administration from Nichols College and have been in the mortgage industry for 25+ years. I have held many titles throughout my mortgage career but no position has been nearly as gratifying as that of a loan officer. Whether I am helping first time homebuyers, growing families who are upgrading, downsizing empty nesters or investors looking to build a portfolio, I am proud to serve and help my network of buyers succeed in fulfilling their dreams. I work exclusively by referral, so service is paramount. Whether you are looking to purchase, refinance, build from the ground up, or renovate, let me share with your my years of experience to make your mortgage journey the best you've ever experienced! Just call, text, email, or apply online.

Branch Manager

Brad Salerno is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Brad is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Brad at (860) 406-8093 for more information!

Brad Salerno at Rate (NMLS #41041)

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.

Producing Regional Manager

Jim Earl is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jim is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jim at (860) 406-8102 for more information!

Jim Earl at Rate (NMLS #21374)

Linda Maxwell is SVP, Regional Sales Manager Rate Inc in CT overseeing both sales and operations within her region. Linda brings 19 years of Mortgage Banking experience to Rate where she has helped aid hundreds of families with their real estate lending needs as well as built and grown 4 retail branches across CT. Linda attended Central CT State University with a major in accounting. Linda and her husband Jim reside in Southington, CT and have five children, Jake, Katrina, Jessica, Laura and Micala. Linda loves to travel and explore new places. She also enjoys spending time on her boat and downhill skiing.

Regional Manager

Linda Maxwell is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Linda is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Linda at (860) 406-8103 for more information!

Linda Maxwell at Rate (NMLS #21550)

I entered the mortgage business nearly 25 years ago because I wanted to help people achieve their goal of homeownership and help put them in a better financial position through refinancing their existing home. My extensive experience, education in finance, and diversified product offering has allowed me to customize a specific program for each customer I work with to fit their needs. What I enjoy about the business is meeting and getting to know all the different people I help. By the end of the transaction, we end up becoming friends. I have been living in Torrington, CT. for the past 38 years and recently moved to Burlington, Ct. I enjoy many outdoor activities such as boating, exercising, fishing, camping, and hiking to name a few.

Senior Loan Officer

Heath Ladona is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Heath is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Heath at (860) 406-8104 for more information!

Heath Ladona at Rate (NMLS #21474)

I grew up in a real estate family having been around the industry since elementary school so I think it's in my blood. My own career began in 1999 and I love the mortgage business even more today than I did then. I especially love the technology side of the business which is what is so great about Guaranteed Rate. Here we have the resources and technology to offer the client the very best and most convenient mortgage experience.  I'm a Guaranteed Rate President's Club member and have also been recognized by Connecticut Magazine as a Five Star Mortgage Professional from 2014-2018. I am a lifelong CT resident and am married with 3 children.

A lifelong resident of CT, I now reside with my wife and 3 kids in East Hampton CT along with our four dogs. I have been in the mortgage industry 25 years and love it as much today as the day I started. There is no greater satisfaction than simplifying the mortgage process for homebuyers and helping them achieve their goals.  
I take immense pride in dedicated service to the communities I serve, where my primary focus is empowering borrowers to achieve their aspirations. Operating exclusively through referrals, I prioritize service excellence. Whether you're in the market for a new home, refinancing, embarking on new construction, or renovating, I bring a wealth of experience and knowledge to the table. Connect with me effortlessly through calls, texts, emails, or online applications—I am here to turn your financial goals into reality.

Vice President, Mortgage Lending

Justin Vicino is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Justin is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Justin at (860) 815-9115 for more information!

Justin Vicino at Rate (NMLS #112852)

Stephen Campbell is an award-winning, nationally ranked top-producing loan officer. With over 20 years’ experience in financial services, Stephen has been a consistent top producer personally funding over a billion dollars in loan volume over his career. His strong base of loyal repeat customers, Financial Planner and Realtor referral partners, and the efficiency of his processing team are some of the reasons Stephen has been so successful in this incredibly competitive sales environment. Stephen epitomizes integrity, energy, and hard work in every detail of the mortgage transaction. Best of all, he was nationally recognized by many trade publications, including MPA’s 150 Million Dollar Club, Scotsman Guide and Mortgage Executive Magazine for his individual production for 2012, 2013,2014, 2015, 2016. The years 2015 and 2016 were record-breaking for Stephen, funding over $ 360 million in total loan volume, as well as ranking #20 in America for total Volume by Scotsman Guide. In addition to all of Stephen’s accomplishments, he takes a great deal of pride that his focus has remained the same, treating each and every customer as he would want to be treated himself recognizing he is only as successful as his last transaction. Stephen resides in Farmington, Connecticut. He has a 28-year-old daughter and an 11-year-old granddaughter. In his spare time, Stephen enjoys fishing, kayaking and CrossFit.

Stephen Campbell is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Stephen is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Stephen at (800) 965-3564 for more information!

Stephen Campbell at Rate (NMLS #96217)

• Stephanie has been with Rate since 2010. She has been mortgage lending since 2002. Stephanie has become a well-known and respected mortgage professional due to her thorough communication with her clients, as well as, all parties involved in the mortgage transaction. She prides herself on setting expectations and fully preparing her customer for each step in the loan process.  • Stephanie has been a consistent producer and has established herself as a specialist by offering diversified product that may better suit the needs of her client.  • Stephanie’s approach to mortgage lending provides clients with personal attention, a steadfast commitment to detail, service with integrity. • Stephanie was born and raised in Fairfield County and currently resides in Litchfield County. She is active in the community as a member of the Women’s Council of Realtors, as well as, a local Board of Realtors and Chamber of Commerce.

Stephanie Thibault is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Stephanie is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Stephanie at (203) 913-4503 for more information!

Stephanie Thibault at Rate (NMLS #19282)

As your trusted Rate Loan Officer, my goal is to simplify the mortgage process, make your home loan experience easy to navigate and be available to you from application to closing. 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.

Shane Satchell is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Shane is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Shane at (860) 500-4852 for more information!

Shane Satchell at Rate (NMLS #1808519)

As your dedicated Loan Officer at Rate, and I genuinely love helping people turn the dream of homeownership into reality. My goal is to make the mortgage process feel less overwhelming and more empowering—guiding you from start to finish with clarity, care, and open communication. I take pride in making sure you fully understand your options so you can move forward with confidence. Whether you're buying your very first home or your fifth, I'm here for you every step of the way. Don't hesitate to reach out—I'm always happy to help.  
**Hablo Español y estoy aquí para servirte.**

VP_DE_PRéSTAMOS_HIPOTECARIOS

Jessica Sarmiento is your Southington local lender. As a loan officer at Rate, one of the largest retail mortgage lenders in the United States, Jessica is committed to helping homeowners with home purchase loans and refinances, while simplifying the mortgage process and making your home loan experience easy to navigate. Contact Jessica at (860) 740-2781 for more information!

Jessica Sarmiento at Rate (NMLS #2358843)

Southington

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11 Loan Officers Southington, CT