Helping first-time home buyers, investors, and move-up buyers in New England and Florida buy homes with confidence, without the stress.


Hi, I'm Rick, a mortgage loan officer based in New England and Florida, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with first-time home buyers, investors, and clients purchasing jumbo and portfolio loans across New England and Florida, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like FHA, VA, Conventional, Jumbo, and Non-QM loans


I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- Clear, honest communication—no surprises  
- Fast closings and efficient processes to keep your deal on track  
- A strong real estate background that gives you an edge in competitive markets  
- A focus on straightforward guidance so you always know what's happening next


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals. I'll help you break it down clearly.


I've helped over 10,000 clients secure financing across New England and Florida, with more than $3 billion in total loan volume, and I'm proud to be a trusted resource for both buyers and local real estate agents.


Check out my client reviews below to see what it's like to work together.


When I'm not helping clients, you'll find me staying active in the real estate community and continuing to sharpen my expertise to better serve my clients.


I believe this business is about relationships, and being someone people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

SVP of Mortgage Lending, Area Sales Manager

Rick Harrington is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Rick is committed to helping homeowners with home purchase loans and refinances. Contact Rick at (781) 684-5734 for more information!

Rick Harrington at Guaranteed Rate Affinity (NMLS #22887)

Richard Roseman has been in the mortgage industry since the year 2000, and is currently the VP of Mortgage Lending for Guaranteed Rate Affinity.  Richard has expertise in all facets of residential lending, particularly jumbo loans, first time home buyers, FHA, VA, and working with Self-Employed borrowers. During his career Richard has received the Outstanding Sales Award for being one of the Top 10% Producers by Volume. Before entering the mortgage industry, Richard, was an entrepreneur involved with several start-up companies and worked in direct marketing for ten years. Richard’s analytical skills and integrity are a natural fit for helping people with their residential lending needs.  His knowledge of finance and businesses provides helpful insights for his clients as they navigate the loan process. Richard especially believes in providing a high level of service, and prides himself on cultivating positive relationships with all of his clients. A graduate of Northeastern University, Richard is a member of Sigma Phi Epsilon. He is married with two daughters and active at his temple, coaches youth soccer, and has a natural eye for photography. He enjoys beautiful art, travel, real estate, being active, sport cars, and challenges.

VP of Mortgage Lending

Richard Roseman is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Richard is committed to helping homeowners with home purchase loans and refinances. Contact Richard at (781) 910-8280 for more information!

Richard Roseman at Guaranteed Rate Affinity (NMLS #413840)

With several years in the mortgage industry, Michael Caruso has helped thousands of people move into their dream home. By taking the time to get to know each individual customer and discuss long-term goals, Michael helps clients find the mortgage best suited for their needs. Michael received his formal education from Colby-Sawyer College in New Hampshire, along with studies at University of Southern Maine.

Associate VP of Mortgage Lending

Michael Caruso is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Michael is committed to helping homeowners with home purchase loans and refinances. Contact Michael at (781) 684-5938 for more information!

Michael S Caruso at Guaranteed Rate Affinity (NMLS #421360)

Lesley Santini is a seasoned mortgage professional with over 23 years of experience helping Massachusetts buyers and homeowners with purchase loans, refinances, construction loans and renovation helocs, bridge loans, reverse mortgages, home equity lines of credit and strategic financing. Alongside her twin sister and business partner, Lindsay Santini, she leads Team Santini, known for responsive communication, quick and on time closings, low rates, no closing cost options and a smooth, personalized lending process.


Based in the Boston area, Lesley serves clients across the MetroWest and Greater Boston markets, including mortgage Wellesley MA, mortgage Newton MA, mortgage Brookline MA, mortgage Chestnut Hill MA, mortgage Weston MA, mortgage Boston MA, mortgage Winchester MA, mortgage Lexington MA, mortgage Concord MA, and mortgage Milton MA. Team Santini provides options for jumbo loan financing, first time home buyer programs, asset depletion, bank statement, DSCR investment loans, non warrantable condos and portfolio loans, tailoring recommendations to each client's goals.


Lesley is a Certified Divorce Lending Professional (CDLP) and supports clients navigating the financial complexities of divorce. She holds an undergraduate degree in Economics and a Master's Degree in Real Estate Management. Lesley is also licensed in Florida, New Hampshire and Maine.

Team Santini (Lesley and Lindsay Santini) is your local lender for mortgage MA, serving Winchester, Wellesley, Weston, Newton, Chestnut Hill, Brookline, Boston, Lexington, Concord, and Milton. At Guaranteed Rate Affinity, we help with home purchase loans and refinances, construction loans and renovation helocs, bridge loans, reverse mortgages, home equity lines of credit,  jumbo loan financing, first time home buyer programs, asset depletion, bank statement, DSCR investment loans, non warrantable condos, divorce situations and portfolio loans. Team Santini is known for responsive communication, quick and on time closings, low rates, no closing cost options and a smooth, personalized lending process. Call 781-640-0319.

Lesley Santini at Guaranteed Rate Affinity (NMLS #38458)

Dale knows that everyone has different financial goals, so he takes the time to fully understand each client’s situation in order to recommend the most appropriate mortgage solutions. Guaranteed Rate Affinity offers a full range of loan products and programs to fit specific financing needs, and he makes sure to have a thorough understanding of each. Dale's first objective is to help clients make the best choice, but that is just one aspect of his elite service. He works with homebuyers throughout the mortgage process as a consultant and guide, directing the activities of a dedicated team that includes loan assistants, processors, underwriters and closing specialists. Dale also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Dale Lawrence is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Dale is committed to helping homeowners with home purchase loans and refinances. Contact Dale at (508) 838-2141 for more information!

Dale Lawrence at Guaranteed Rate Affinity (NMLS #203745)

Peter is a dynamic mortgage professional with 20+ years of experience in sales and operations. A natural team player with experience in personal sales and leading high-caliber sales teams in many different businesses. Licensed in ME, NH, MA and RI.


Peter services clients throughout New England from his home base of Andover, MA.  
He has 3 children 27, 24 and 8 and loves spending time and coaching sports teams.


Peter has been in the mortgage industry since 2001, he has worked for both Banks, Lenders and Brokers, He has a wealth of knowledge and experience in finding the best product to suite your needs, be it Conforming, Jumbo, FHA, VA, USDA or Reverse Mortgage. Purchase or Refinance.


Prior to being in the mortgage business Peter was a Realtor in York Maine for three years and then in 1991 he and his family founded the Sea Dog Brewing Company, which he worked with up until 2001.  
Whether you are interested in the purchase of a new home or the refinance of an existing one, Peter prides himself on world class customer service and availability. Using our "Apply Now" application he does borrower prequalification's and scenarios 24/7 to fit into your busy schedule.

Peter Camplin is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Peter is committed to helping homeowners with home purchase loans and refinances. Contact Peter at (978) 882-8768 for more information!

Peter Camplin at Guaranteed Rate Affinity (NMLS #165843)

Clients looking for a smart mortgage consultant and a company that really cares go to Mary McCarthy and Guaranteed Rate Affinity for all their home financing needs. They can count on her to listen and understand their vision, and stay committed to doing what’s in their best interest. Mary knows that every client has different financial goals, so she takes the time to understand their vision in order to recommend smart mortgage solutions. As a consultant, she is backed by a dedicated team of loan assistants, processors, underwriters and closing specialists. She and her team consistently deliver smart choices because they’re highly trained and well versed in all aspects of the industry. To find a smart home-financing solution, give Mary a call today!

Mary Mccarthy is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Mary is committed to helping homeowners with home purchase loans and refinances. Contact Mary at (617) 476-8967 for more information!

Mary McCarthy at Guaranteed Rate Affinity (NMLS #22880)

As your trusted Guaranteed Rate Affinity 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.

Mike Abany is your Boston  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Mike is committed to helping homeowners with home purchase loans and refinances. Contact Mike at (508) 838-2143 for more information!

Mike Abany at Guaranteed Rate Affinity (NMLS #2076723)

Helping consumers buy homes with confidence, without the stress.


Hi, I'm Jessica Paquette, a mortgage loan officer with 25 years' experience based in Boston, Massachusetts, helping clients navigate the home financing process with clarity and confidence.


I specialize in working with first-time buyers and move-up buyers across Massachusetts, Rhode Island, and Connecticut, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into programs like FHA, VA, Conventional, Jumbo, Down Payment Assistance


I'll walk you through your options and help you choose the right strategy—not just the easiest one.


What sets me apart:  
- Clear, honest communication—no surprises  
- Fast, reliable pre-approvals to help you win offers  
- A hands-on, local approach backed by top-tier technology  
- A focus on education so you feel confident every step of the way


Do you need 20% down to buy a home?  
No—many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals—I'll help you break it down clearly.


I've helped over 1,500 clients throughout the Northeast secure financing for homes, and I'm proud to be a trusted resource for both buyers and local real estate agents. I also am a Renovation Specialist.


Clients praise that I'm direct, informative, great at finding solutions, and have excellent customer service. Please check out my client reviews online to see what it's like to really work together!


I believe this business is about relationships—and being someone people can rely on long after closing. If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Jessica Paquette is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jessica is committed to helping homeowners with home purchase loans and refinances. Contact Jessica at (508) 838-2142 for more information!

Jessica Paquette at Guaranteed Rate Affinity (NMLS #153852)

Helping homebuyers, physicians, and real estate investors throughout Massachusetts buy and finance homes with confidence.


Hi, I'm Mark Jurilla, a mortgage lending professional serving communities throughout Greater Boston and across Massachusetts, including Newton, Chestnut Hill, Waban, Boston, Wellesley, Needham, Weston, Dover, Natick, Framingham, Waltham, Watertown, Cambridge, Burlington, Holliston, Hopkinton, and beyond.


With more than 25 years of banking and mortgage lending experience, I've helped over 1,000 families successfully finance their homes. I specialize in working with first-time homebuyers, high-net-worth clients, physicians, investors, and borrowers navigating complex financing situations.


My expertise includes:  
- Conventional and Jumbo loans  
- Physician loan programs  
- Construction-to-permanent financing  
- Non-QM loans  
- DSCR and bank statement loans  
- Refinance solutions


Whether you're:  
- Buying your first home  
- Building a custom home  
- Purchasing an investment property  
- Exploring refinancing opportunities


I'll provide the guidance and strategy you need to make informed decisions every step of the way.


What sets me apart:  
- More than 25 years of lending and banking expertise  
- Over 1,000 families successfully served  
- An excellent reputation among clients and real estate professionals  
- Deep mortgage knowledge and creative problem-solving abilities  
- Accessibility and responsiveness throughout the entire process


Do you need 20% down to buy a home?  
No. Many buyers qualify for programs requiring far less down, depending on their circumstances.


What credit score do you need?  
Loan options vary, and there are often solutions available across a wide range of credit profiles.


How much home can you afford?  
I'll help you evaluate your financial picture and identify a comfortable budget based on your goals.


I'm honored to have received recognition including Boston Agent Magazine's Who's Who Award, Best of Boston Mortgage Lender, President's Club Award, and recognition as a community leader and volunteer.  
Clients appreciate my knowledge, transparency, professionalism, responsiveness, and candid advice. My hands-on approach ensures you always know where you stand and what comes next.


When I'm not helping clients, I enjoy spending time with family and staying actively involved in the community. I pride myself on being approachable, relatable, and committed to helping others succeed.


If you're considering purchasing, refinancing, or exploring financing options, I'd be happy to help.

SVP of Mortgage Lending

Mark Jurilla is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Mark is committed to helping homeowners with home purchase loans and refinances. Contact Mark at (617) 849-9119 for more information!

Mark Jurilla at Guaranteed Rate Affinity (NMLS #441305)

Yale Wolf is a seasoned veteran with more than 1,000 loans closed.  He has experience in other areas, including processing and underwriting to lending manager for a local bank. He has a broad perspective that benefits each of his clients. Whether working with first-time homebuyers, real estate agents, investors, or anyone else, he takes the same consultative, service-oriented approach with everyone. Yale’s outstanding achievements have not gone unrecognized. Recently he received the Bankers and Tradesman Top Lender Gold Medal Award from The Village Bank. Yale grew up in Massachusetts, where he still currently resides. In his free time he enjoys playing golf, baseball, skiing, travelling, and rooting for his home teams.  Reach out to him with any questions.

Originating Manager

Yale Wolf is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Yale is committed to helping homeowners with home purchase loans and refinances. Contact Yale at (781) 266-3740 for more information!

Yale Wolf at Guaranteed Rate Affinity (NMLS #62965)

Whether working with first-time or repeat home buyers, Kimberly Placzek places a great emphasis on communication and availability. She is always willing to put in the time and effort necessary to help clients achieve their goals. “I work hand-in-hand with my clients, from the preapproval process all the way through the closing. If something is preventing you from getting preapproved, I take the time to go over the information with you and put a plan together to make it possible in the future,” stated Kimberly. Before beginning her career as a loan officer, she conducted seminars designed to help prospective home buyers become better informed, better prepared, and eventually obtain the best financing terms possible. In her down time, Kimberly enjoys spending time outdoors with her family, especially camping and skiing.

Kimberly Placzek is your Boston local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Kimberly is committed to helping homeowners with home purchase loans and refinances. Contact Kimberly at (413) 504-1499 for more information!

Kimberly Placzek at Guaranteed Rate Affinity (NMLS #39076)

Helping first-time homebuyers, investors, self-employed buyers, and clients using CHFA, reverse, renovation, VA, FHA, conventional, and non-QM financing in Massachusetts, New Hampshire, Maine, and Florida buy homes with confidence, without the stress.


Hi, I'm Lindsay Santini, a mortgage loan officer for 22 years based in Boston, Massachusetts helping clients navigate the home financing process with clarity and confidence.  
I specialize in working with conventional, jumbo, non-QM, HELOC, refinance, and investor loans across Massachusetts, offering tailored loan solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Looking into assistance with fast closings, affordable home financing, first-time homebuyers, and complex loan scenarios.


I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- I take the time to search all potential options and rates for my borrowers to help get them the best deal, and I advise them as if it were my own loan or scenario.  
- I'm genuine, honest, and hardworking, and I build real relationships with my referral partners, often becoming friends along the way.  
-I take a step-by-step approach, always available, and truly care about my clients, and when you work with me, you get two experienced VPs for the price of one.


Do you need 20% down to buy a home?  
No, many buyers qualify with as little as 3–5% down depending on the loan program.


What credit score do you need?  
It varies, but there are options available even if your credit isn't perfect.


How much home can you afford?  
That depends on your income, debt, and goals. I'll help you break it down clearly.


I've helped over 2,000 clients in across Massachusetts, New Hampshire, Maine, and Florida secure financing for their homes. I served as First Vice President of Residential Mortgage and Bank Officer at Wellesley Bank for 10 years, where I was hired when the bank went public to help grow loans, deposits, and relationships ahead of a successful sale. During my time there, I was a top originator, consistently producing around $100 million annually, and remained a strong performer through the bank's sale and resale two years later.


I'm proud to be a trusted resource for both buyers and real estate agents.


Check out my client reviews to see what it's like to work together.


When I'm not helping clients, I'm usually busy being a mom to my two athletic boys and staying involved in the Winchester community through sports, school activities, and local events. I also enjoy golfing and spending time with my twin team.  
I believe this business is about relationships, and being someone, people can rely on long after closing.


If you're thinking about buying, refinancing, or just want to explore your options, let's connect.

Lindsay Moran is your Boston  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lindsay is committed to helping homeowners with home purchase loans and refinances. Contact Lindsay at (781) 223-3563 for more information!

Lindsay Santini at Guaranteed Rate Affinity (NMLS #40411)

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