Helping homebuyers across Connecticut, New York, New Jersey, and Florida secure financing with confidence, without the stress.


Hi, I'm Tim Martin, a mortgage loan officer based in Fairfield County, CT, helping clients navigate the home financing process with clarity, strategy, and confidence.


I specialize in working with a wide range of buyers across Fairfield County, Westchester County, Putnam and Dutchess Counties, New Jersey, and Florida, with a strong focus on conforming, jumbo, and portfolio loan solutions - including bank statement, asset-based, and DSCR programs.


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


I'll walk you through your options and help you choose the right strategy, not just the easiest one.  
What sets me apart:  
- Over 24 years of experience and 7,000+ clients served  
- Scotsman Guide Top Originator and Top 1% Mortgage Executive Magazine honoree  
- Expertise in complex deals and competitive financing scenarios  
- Clear, strategic communication from application through closing


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 thousands of clients across the Northeast and Florida secure financing, and I'm proud to be known for delivering competitive solutions and smooth, on-time closings.


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 spending time with my wife and three children in Fairfield County.  
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 tackling a complex scenario, let's connect.

Area Sales Manager, SVP of Mortgage Lending

Tim Martin is your Bethel local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Tim is committed to helping homeowners with home purchase loans and refinances. Contact Tim at (203) 974-5253 for more information!

Tim Martin at Guaranteed Rate Affinity (NMLS #16273)

For more than 20 years, Jennifer Newsom has helped her clients achieve their homeownership dreams. Jennifer strives to deliver a fast, stress-free homebuying process for her borrowers and referral partners. Jennifer works with all home buyers and specializes in first-time buyers. She takes the time to educate her clients and will explore every option in pursuit of providing the best mortgage solution. Using her expertise, Jennifer’s goal is to empower her clients to confidently make life’s biggest purchase. Jennifer keeps busy when she’s not helping her clients secure their dream home. She loves supporting her her 14-year-old son and 10-year-old daughter in sports and enjoys camping and playing with her dogs. Jennifer also serves her community as an EMT with Newtown Volunteer Ambulance and as a Patroller with National Ski Patrol.

Helping first-time and move-up buyers in Connecticut and Florida buy homes with confidence, without the stress.


Hi, I'm Jennifer Newsom, a mortgage loan officer for 27 years based in Bethel, Connecticut helping clients navigate the home financing process with clarity and confidence.


I specialize in working with first-time buyers and move-up buyers across Connecticut 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 Conforming, FHA, VA, and DSCR Renovation


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


-What sets me apart, a consultative approach with borrowers:  
-I take the time to listen and make people feel comfortable.  
-I help clients feel reassured throughout the process.  
Clients have my cell number for quick, easy access.


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 5,000 clients throughout Connecticut and Florida secure financing for homes earning a spot in the President's Club for 5 years. I'm proud to be a trusted resource for both buyers and local real estate agents.


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


When I am not helping clients, you'll find me checking in on my college age son and daughter, camping, walking my 3 dogs, enjoying music festivals and serving my community for 25 years as a EMT with Newtown Volunteer Ambulance.


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.

VP of Mortgage Lending

Jennifer Newsom is your Bethel local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Jennifer is committed to helping homeowners with home purchase loans and refinances. Contact Jennifer at (860) 916-8845 for more information!

Jennifer Newsom at Guaranteed Rate Affinity (NMLS #85086)

Iliad knows that everyone has different financial goals, so she 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 she makes sure to have a thorough understanding of each. Iliad's first objective is to help clients make the best choice, but that is just one aspect of her elite service. She 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. Iliad also coordinates with real estate agents and other industry professionals to ensure that the transaction closes as quickly and smoothly as possible.

Iliad Estrada is your Bethel local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Iliad is committed to helping homeowners with home purchase loans and refinances. Contact Iliad at (203) 974-5257 for more information!

Iliad Estrada at Guaranteed Rate Affinity (NMLS #62963)

With over 33 years of experience in the mortgage industry, Michael Christoforo has helped thousands of individuals and families achieve the dream of homeownership. Known for his deep industry knowledge, exceptional customer service, and unwavering commitment to his clients, Michael takes pride in offering personalized mortgage solutions tailored to each client's unique financial situation.  
In addition to his expertise in home financing, Michael is also passionate about the evolving world of digital assets and the transformative changes they are bringing to the financial landscape.

Michael Christoforo is your Bethel 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 (203) 654-2976 for more information!

Michael Christoforo at Guaranteed Rate Affinity (NMLS #109495)

Helping first-time homebuyers, investors, self-employed borrowers, and clients seeking CHFA, reverse, renovation, VA, FHA, conventional, and non-QM financing. I proudly serve Suffield, Enfield, Hartford County, South Windsor, West Hartford, Granby, Windsor, East Windsor, Somers, and Bethel, Connecticut, helping clients buy homes with confidence and without the stress.


Hi, I'm Maureen Elkins, a mortgage loan officer for 39 years based in Bethel, Connecticut helping clients navigate the home financing process with clarity and confidence.  
I specialize in CHFA, FHA, VA, conventional, non-QM, jumbo, reverse, renovation, and DSCR loans across Connecticut, offering tailored financing solutions and a smooth, transparent experience from start to finish.


Whether you're:  
- Buying your first home  
- Exploring refinancing options  
- Assistance with first-time home buying, fast closings, and navigating complex deals  
I'll walk you through your options and help you choose the right strategy, not just the easiest one.


What sets me apart:  
- I'm an out-of-the-box thinker who works hard to find a way to make the loan work, using every tool available and structuring it for success. If your credit isn't quite there, I'll help create a plan for success.  
- I believe in education and communication, and I respond quickly while keeping all parties informed every step of the way.  
- I'm available day and night, including evenings and weekends, 7 days a week, and I guide my clients through every step, so they always know what to expect.


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 many clients across Connecticut secure financing for their homes. As a certified specialist in reverse and renovation loans, 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.


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.

Maureen Elkins is your Bethel local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Maureen is committed to helping homeowners with home purchase loans and refinances. Contact Maureen at (860) 500-4851 for more information!

Maureen Elkins at Guaranteed Rate Affinity (NMLS #507737)

Clients looking for a smart mortgage consultant and a company that really cares go to Samantha Fallon 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. Samantha 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 VP of Mortgage Lending, 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 Samantha a call today!

Associate VP of Mortgage Lending

Samantha Fallon is your Bethel local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Samantha is committed to helping homeowners with home purchase loans and refinances. Contact Samantha at (203) 974-5251 for more information!

Samantha Fallon at Guaranteed Rate Affinity (NMLS #108922)

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.

Lynne Kirby is your Bethel  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Lynne is committed to helping homeowners with home purchase loans and refinances. Contact Lynne at (203) 546-1628 for more information!

Lynne Kirby at Guaranteed Rate Affinity (NMLS #609084)

I'm a loan officer with over 30 years of experience in the mortgage industry. After spending more than 15 years in the residential construction business, I transitioned into mortgage lending in the early 1990s. From 2003 to 2024, I co-owned a Correspondent Lending Mortgage Company licensed in five states. I have extensive knowledge in all areas of mortgage lending, with a particular focus on renovation lending. My background allows me to offer valuable insight into both lending and construction processes.

Chris Weigand is your Bethel  local lender. As a loan officer at Guaranteed Rate Affinity, a national retail mortgage lender delivering low rates with a streamlined process, Chris is committed to helping homeowners with home purchase loans and refinances. Contact Chris at (201) 645-6455 for more information!

Chris Weigand at Guaranteed Rate Affinity (NMLS #18900)

Bethel

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8 Loan Officers Bethel, CT