Proud member of the IAFF Leadership Team and promotor of the IAFF Mortgage Program: home loans for police, firefighters, first responders, and more. Hands on with every client, Rusty has over twenty years of experience in the Mortgage Industry and is recognized by Mortgage Executive Magazine, the Scotsman Guide and featured in Boston Agent Magazine's Who's Who in Boston Real Estate for Mortgage Origination as an expert in his field. From daily interest rates, mortgage terms, Conventional loans, Jumbo, VA , FHA, Condo or Multi Family loans and more, Rusty is equipped to handle your most complex financing needs. Being a homeowner is an exciting, yet complex, endeavor. Whether purchasing or refinancing, "it's my job to make the process as stress free as possible for you. It's important to me that I always take the time to understand my client's needs and fully explain the pros and cons of their various options". Contact Rusty for today's interest rates and programs, and to discuss your options. Available 7 days a week. Sat & Sun from 9AM-9PM

SVP of Mortgage Lending

Rusty O'Dowd is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Rusty 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 Rusty at (781) 647-2026 for more information!

Rusty O'Dowd at Guaranteed Rate (NMLS #441880)

I am from Needham, MA and have extensive knowledge in working throughout Massachusetts and the New England area to meet the diverse needs of current and future homeowners. I have over 38 years of mortgage lending experience and have successfully originated and closed over 2 Billion in residential mortgages. I am an active member of the Sandy Bay Yacht Club and the International Star Class Yacht Racing Association. As a noted teacher, guest speaker and team leader on financing, I find great gratitude in sharing my knowledge and experience.

Loan Officer

Bruce Engel is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Bruce 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 Bruce at (781) 561-9302 for more information!

Bruce Engel at Guaranteed Rate (NMLS #22209)

I have been in the Mortgage Industry for over 10 years. I personally enjoy being involved in a business where I can assist people in the goal of home ownership.  I find it extremely fulfilling to be apart of that process.  As for myself, I have 2 beautiful daughters who are 5 & 9 and a gorgeous wife who I has been in my life for over 16 years.

Michael Brown is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Michael 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 Michael at (781) 788-9021 for more information!

Michael Brown at Guaranteed Rate (NMLS #484181)

Live in North Andover Massachusetts three grown children BSME University of Washington MBA Boston University Veteran top 1% loan originator for several years Licensed in New England states and others enjoy dancing and golf

John Kalin is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, John 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 John at (781) 810-0080 for more information!

John Kalin at Guaranteed Rate (NMLS #22238)

Naela obtained her bachelor’s degree in economics from the American University of Beirut. She obtained her MBA from American International College in Springfield, and later pursued her post graduate education at State University of New York in Albany, NY, Since 1998 Naela has successfully originated and secured on behalf of her clients residential mortgages. She is currently licensed in Massachusetts, Rhode Island, Connecticut, New Hampshire, New Jersey, Virginia, California and DC. Naela's professionalism is well known to all realtors and attorneys she has worked with. Her strength is in her personal interaction and attention to her clients. She is available at all times to, punctually, answer their questions. She always guides her clients towards making the best educated decision, whether purchasing a new home or refinancing their current property. She clearly explains all options focusing on the client's personal needs. Naela's volume of repeat clients and customer loyalty is the best indication of her knowledge in the field and her superior service. Over the years Naela has been repeatedly recognized by the Scotsman Guide and Mortgage Originator Magazine. While pursuing her professional career Naela has raised three established daughters, a doctor, a lawyer and a certified public accountant. Naela lives in Westwood Ma. with her husband. She enjoys yoga, painting and keeping connected with her national and international friends.

Naela Sharuk is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Naela 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 Naela at (781) 213-9441 for more information!

Naela Sharuk at Guaranteed Rate (NMLS #22330)

Mortgages don't have to be complicated, confusing, or overwhelming!  
I make the mortgage process simple. In 1960, the Navy shared the acronym KISS (keep it simple, stupid) with the world. In most things in life, simplicity is the goal and unnecessary complexity should be avoided - I apply this to the process of financing a home. My simple approach has helped me earn the trust of thousands of borrowers since 2010. According to Mortgage Executive Magazine 2021, I'm ranked in the top 1% of loan originators nationwide. My clients are always matched with the perfect loan product because I have a multitude of different investors and programs to choose from. No one wants unexpected surprises when they buy a home! I have control over the entire process so there is 100% transparency and honesty and no last-minute hiccups. At the end of the day, I'll tell you how it is based on my experience - and I'm not afraid to be brutally honest! In my spare time, I enjoy spending time with my wife and two kids, car racing, weight lifting, and swimming, and I am on a mission to learn how to juggle on a unicycle

Senior Loan Officer

Sean Goudreau is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Sean 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 Sean at (781) 202-9056 for more information!

Sean Goudreau at Guaranteed Rate (NMLS #326155)

As your trusted Guaranteed 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.

Branch Manager

Liam Regan is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Liam 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 Liam at (617) 484-4949 for more information!

Liam Regan at Guaranteed Rate (NMLS #745346)

Shant Banosian is Guaranteed Rate's #1 Loan Officer 8 years running, and the #1 Loan Officer nationwide 5 years running, with over 40,000 closed units and $9 billion in funded loans throughout his 20 year career. He has consistently been recognized for his high level of production, superior customer service and expert industry knowledge. He has been featured on Mortgage Professional America's Mortgage Global 100 list for 2020, 2021, and 2022 and is licensed in all 50 states. An impressive 95% of his clients would use him again and he continues to grow his business thanks to word-of-mouth referrals.


Shant's goal is to simplify the mortgage process for his customers and make the home loan process easy to navigate. He and his team thoroughly educate their borrowers throughout the mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program. He also puts his clients ahead of the competition through his ability to close loans in record time.


Shant graduated from Bentley University with a Bachelor of Science degree. He grew up in Watertown, MA, and currently resides in Belmont with his wife and three daughters. Community involvement is a very important part of Shant's personal and professional life, and he is extremely proud of his Massachusetts upbringing. He is also heavily involved with Boston Children's Hospital, The Greater Boston Food Bank and the Guaranteed Rate Foundation.

Branch Manager/Senior Loan Officer

Shant Banosian is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Shant 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 Shant at (617) 827-6674 for more information!

Shant Banosian at Guaranteed Rate (NMLS #7206)

Ted Malkhasian is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Ted 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 Ted at (617) 286-8907 for more information!

Ted Malkhasian at Guaranteed Rate (NMLS #49345)

I have been in the mortgage business for over 20 years. During this time, I  have had the pleasure, and the privilege, of helping thousands of people with buying their dream home. I have also been able to help my clients refinance their homes to save money, pull money out of homes to renovate, and help consolidate their bills, which is especially useful when they have student loan debt. To me, these aspects of my job are extremely rewarding. There are not too many professions that have such an instant and profound impact on peoples lives, and I thoroughly enjoy having the opportunity to help others.  My high school education took place at St Sebastian's School in Newton, MA (now in Needham, MA). From there, I went on to get my bachelor's degree from Providence College, majoring in Marketing. Over the years, I can see where these two schools have really helped guide my life toward a profession where I am able to serve and help others.   I currently live in Norfolk, MA. I am married and have two children. I am proud to say that both my daughter and son have graduated from Boston College. In my free time, I try to go to as many sporting events at "The Heights" as I can. I'm also still trying to work on my golf game. Life is good!

Don Carey is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Don 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 Don at (508) 528-7125 for more information!

Don Carey at Guaranteed Rate (NMLS #20659)

As a senior loan officer at Guaranteed Rate, Hong has had over 13 years of experience assisting clients with their mortgage needs. Some of the more well-known companies she has worked at in the past are Mortgage Master Inc., DCM, and Poli mortgage. She has been named one of the best mortgage loan officers in the nation multiple times on account of her outstanding client service and extensive knowledge regarding lending processes and regulations.  Hong prides herself on prioritizing customer satisfaction and always addressing her clients' concerns. For winning her clientsý trust, she has been recognized based on numerous client recommendations and national recognitions. Her plethora of referrals, awards, and consistently high rankings are the best testimony of Hong's careful attention to closings and genuine care for her clients.  In China, Hong earned a bachelor degree in law from one of the best law schools: China Southwestern University of Law and Political Science. In her spare time, Hong loves to spend time with her family and friends. She also has a passion for visiting art museums, reading, cooking, and watching The Voice.

Hong Geng is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Hong 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 Hong at (978) 760-0303 for more information!

Hong Geng at Guaranteed Rate (NMLS #20366)

Rick Berardino has been in the mortgage business and helping people finance home loans for the past 30 years. Over that time Rick has originated and closed nearly $2 billion in mortgage loans.

Rick Berardino is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Rick 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 Rick at (978) 771-7648 for more information!

Rick Berardino at Guaranteed Rate (NMLS #484203)

My goal is to provide you above and beyond service throughout the entire mortgage process. With my extensive knowledge and experience in lending, I look forward to helping you find the mortgage product that suits you best.

Ryan Van Auken is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Ryan 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 Ryan at (781) 325-1464 for more information!

Ryan Van Auken at Guaranteed Rate (NMLS #1929754)

I am a seasoned, licensed mortgage professional with over 20 years experience in this industry.

Brian Tobin is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Brian 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 Brian at (781) 526-3938 for more information!

Brian Tobin at Guaranteed Rate (NMLS #85187)

Adam Cohen is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Adam 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 Adam at (781) 405-7883 for more information!

Adam Cohen at Guaranteed Rate (NMLS #22203)

I have been in the mortgage industry for over 10 years. I strive for excellence and to be a trusted resource in a world of misinformation. I will work hard to earn your respect and make sure your needs are prioritized over any benefit to me. Sound too good to be true? Ask any of the hundreds of folks, I've helped! Let me know how I can serve you as much as you need. Have a wonderful day :)

Ezer Lee is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Ezer 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 Ezer at (781) 591-2722 for more information!

Ezer Lee at Guaranteed Rate (NMLS #859995)

As a successful Loan Officer, it is my goal to help educate, simplify and expedite your mortgage process so that it's easy from start to finish. I take pride in providing an exceptional experience to my customers so that they come out of the transaction more knowledgeable and confident in closing their chosen loan program. Our team has a wealth of knowledge and experience and we will make ourselves available to assist you. Whether you're a first time home buyer or an experienced home owner, we have the tools, the skills, and personal touch to help you reach your home financing goals!

John Chen is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, John 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 John at (781) 810-0904 for more information!

John Chen at Guaranteed Rate (NMLS #2178376)

Jim Brown is your Waltham local lender. As a loan officer at Guaranteed 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 (781) 788-9023 for more information!

Jim Brown at Guaranteed Rate (NMLS #17945)

Welcome! With over 20 years of experience in mortgage business, I have developed a sterling reputation as "Handle With Care," loan officer. I love what I do. And I know buying a home is a big deal. It should not be left up to the internet. As a loan officer, my focus is 100% on helping you be confident and comfortable with your finances. Confident buyers win deals! They who hesitate are lost! If you are refinancing for any reason, I will help you make sure your decision is the best short and long term financial one for you and your family. Add in our amazing rates, low closing costs and expert team, and you come out the winner. Don't be a number in a system or a cog in a machine. Come learn with me, a seasoned professional, and experience the difference.


A little more about me…


When I am not writing loans I try to do interesting things with my three amazing teenage boys. They and family keep me pretty busy. My boys got me into being a volunteer coaching soccer 11 years ago and now I am the (volunteer) President of Newton Youth Soccer, one of the largest non-profit city soccer clubs in Massachusetts. Beyond that I am an avid runner with a marathon under my belt. I love to play tennis, ultimate frisbee and ski too—really playing or watching just about any sport works for me. When I'm not engaged in any of the above, you are invited to come find me on top of Mount Kilimanjaro, sailing the Nile, backpacking in Southeast Asia, diving in the Caribbean, traipsing through Europe or otherwise hiking/enjoying the great outdoors. I believe strongly in work life balance while helping people as much as possible. Come aboard. Let me help you and your family get where you want to be!

Senior Vice President of Mortgage Lending

Clifford Slater is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Clifford 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 Clifford at (781) 285-6830 for more information!

Clifford Slater at Guaranteed Rate (NMLS #84516)

Shawn Robbins is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Shawn 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 Shawn at (857) 317-8642 for more information!

Shawn Robbins at Guaranteed Rate (NMLS #22406)

Chris Morgan is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Chris 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 Chris at (617) 812-7340 for more information!

Chris Morgan at Guaranteed Rate (NMLS #47044)

Thanicha Jean Charles is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Thanicha 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 Thanicha at (857) 444-5761 for more information!

Thanicha Jean Charles at Guaranteed Rate (NMLS #2122898)

VP_DE_PRéSTAMOS_HIPOTECARIOS

Juliana Mello is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Juliana 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 Juliana at (617) 322-0631 for more information!

Juliana Mello at Guaranteed Rate (NMLS #2405728)

I was born in Worcester, grew up in Medellin, Colombia for a few years y hablo español. Graduated from Marlborough High School as Captain of Men's Varsity Soccer player. Graduated from the University of Massachusetts Dartmouth with a Bachelors in Economics, specializations in Business Administration and Spanish, and Captain of the Men's Varsity Soccer Team. I have dedicated myself to becoming an expert in the mortgage industry to ensure that no one goes through the same bad experience I had when I purchased my first home. My Mission is to provide quality home buying resources to all of the communities to educate and help guide clients to becoming successful home owners.

OFICIAL_DE_PRéSTAMOS

Sebastian Cordoba is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Sebastian 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 Sebastian at (508) 439-2576 for more information!

Sebastian Cordoba at Guaranteed Rate (NMLS #1485371)

Sumaya Simo is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Sumaya 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 Sumaya at (978) 885-0714 for more information!

Sumaya Simo at Guaranteed Rate (NMLS #1066369)

With over 20 years experience in mortgage loan origination, Mika Winder brings a wealth of knowledge. She has worked both in operations and in sales so she has a thorough knowledge of the loan process. Mika focuses on educating her clients in the home-buying process while finding them the best home loan program that suits their needs. Mika is a girl mom of 3 and enjoys travel, cooking and spending time with her family.

Mika Winder is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Mika 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 Mika at (781) 430-1081 for more information!

Mika Winder at Guaranteed Rate (NMLS #84847)

I'm multilingual loan officer with fluency in English, Portuguese, Spanish, Cape-Verdean Creole, and Mandarin Chinese. I hold a Masters in Chinese Politics & Diplomacy from Fudan University in Shanghai and a Bachelor's degree in International Politics from Renmin University in Beijing, with an additional year of study in the Chinese language in Beijing. In my free time, I enjoy camping, gardening, and DIY projects, but what I love most is spending time with my family, whether it's at the beach or traveling to new places. As a people's person, I'm passionate about helping borrowers understand their unique needs and guiding them to their dream home. I have a beloved Rottweiler named Tarkan who keeps me on my toes, and I come from a family of bakers with over 10 years of experience in the financial field. I bring a wealth of knowledge and a personal touch to every loan process, and I look forward to working with you.

Ellie Fernandes is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Ellie 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 Ellie at (781) 616-1365 for more information!

Ellie Fernandes at Guaranteed Rate (NMLS #706867)

Jennifer Watson is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Jennifer 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 Jennifer at (508) 274-2380 for more information!

Jennifer Watson at Guaranteed Rate (NMLS #415009)

With 20 years of experience as a loan officer, my goal is to simplify the mortgage process and make your home loan experience easy to navigate and be there for you from application to closing. I like to educate my clients thoroughly the entire mortgage transaction, so they fully understand their options and feel comfortable with their chosen loan program, especially if they are first-time homebuyers; And for those of you who are already a seasoned homebuyer, you can always be educated and assisted with all your home financing needs. Please contact me at any time using. Yo hablo Español Tambien

Producing Sales Manager

GERENTE_DE_VENTAS_PRODUCTOR

Cesar Caceda is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Cesar 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 Cesar at (978) 767-3608 for more information!

Cesar Caceda at Guaranteed Rate (NMLS #10135)

Producing Partnership Branch Manager

GERENTE_DE_SUCURSAL_PRODUCTOR_ASOCIADO

Luis M. Riascos is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Luis 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 Luis at (617) 293-6894 for more information!

Luis M. Riascos at Guaranteed Rate (NMLS #697236)

Joe brings his extensive 20-year+ experience to Guaranteed Rate Mortgage. After attending UMass Lowell & the school of business at Fitchburg State, Joe's more than 20 years of experience enables him to structure a mortgage best suited to your specific financial circumstances. Joe is detail-oriented and prides himself on providing superior service. Joe enthusiastically mentors junior loan officers, crafting the success of the loan from the ground up. Joe was recently added as a board member to the Merrimack Valley Housing Organization, which is a non-profit organization that serves local first-time buyers.  
Originally from Dracut, MA, Joe now resides in Danvers, MA with his wife and children. As a contributing member of the community, Joe enjoys coaching soccer, flag football, and baseball in town. A New England sports fan to the core, it doesn't take much to kick off an in-depth conversation about any of our beloved home teams. As an avid sports fan, little league coach and dedicated family man, Joe enjoys nothing more than a weekend filled with sports kids sporting events and a Sunday afternoon Barbeque with the family and neighbors.  
Whether you are buying for the first time or refinancing to better meet your financial goals, Joe will passionately guide you through the process.

Joe Lussier is your Waltham local lender. As a loan officer at Guaranteed Rate, one of the largest retail mortgage lenders in the United States, Joe 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 Joe at (781) 897-5212 for more information!

Joe Lussier at Guaranteed Rate (NMLS #113331)

Waltham

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31 Loan Officers in Waltham, MA