Tim Martin has over 23 years of residential lending experience assisting over 5,500 individuals and families with their residential purchase and refinance mortgage needs. He began his career completing mortgage transactions spanning the nation and developing an understanding of real estate customs and practices in various states. In 2010, Tim focused his efforts on closing transactions in the state of Connecticut. In the years since, he became one of the top producing Loan Officers in the region and expanded to thrive also in Florida and New York. His focused approach has solidified his expertise in all aspects of the local real estate market and helps him stand apart. With a network of real estate agents, real estate attorneys, title providers, insurance providers, and other real estate professionals, Tim can guide clients in all aspects of the real estate process.  
Tim and his team deliver award winning customer service to clients, referral partners, and colleagues as proven with the many positive reviews, testimonials, media interviews, and recognitions he has received. Working together with individuals from all aspects of life, Tim specializes in customizing financing to meet his client's specific needs. His mission is to guide people through the ever-changing process of obtaining a competitively priced mortgage while making the experience as seamless as possible. His goal is to educate people on their options and explain the process using clear language so clients can make informed choices appropriate to fit their unique needs.  
This service-oriented approach has made Tim an award winner for excellence multiple times over. He places among the distinguished rankings of two leading mortgage industry publications: The Scotsman Guide's Top Originators list (2018-2023) and Mortgage Executive Magazine's Top 1% Mortgage Originators in America (2018-2023). He has also received many production awards and client satisfaction recognition; a member of the President's Club at Guaranteed Rate Affinity as a multiple year recipient and proudly a member of the distinguished Chairman's Club, awarded to a small group of recipients exclusively for exceptional volume and service levels.  
Tim received his formal education at Rutgers University, School of Business with a Bachelor of Science degree in Marketing and Master of Business Administration (MBA) in Finance.  
NMLS# 16273. Guaranteed Rate Affinity NMLS# 1598647

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)

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.

VP of Mortgage Lending

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 20 years in the mortgage industry, Michael Christoforo has assisted thousands in achieving the home of their dreams. With Michael’s experience, exceptional customer service and commitment to his clients, he presents the best home mortgage program, unique to each clients’ financial needs.

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)

Joel Ralph has helped homeowners get to the finish line of the mortgage process for nearly 26 years and has successfully closed thousands of loans during that time span. She is an expert on all loan types, including Conventional, Jumbo, VA, and FHA. Her goal is to educate people on their options and explain the process using clear language so clients can make informed choices appropriate to fit their unique needs.  Joel focuses her efforts on closing transactions in the State of Connecticut. Her top priority is to make the mortgage experience as seamless as possible with frequent updates and communication. Clients can expect attentiveness to every detail and a solution to every hurdle. Her thorough approach will ensure clients feel comfortable and confident in their decision. Joel understands the magnitude of purchasing a home and will do everything she can to empower clients and help them achieve their homeownership dreams. Joel was named a Five-Star Mortgage Professional by Connecticut Magazine each year from 2014-2020 and prides herself on delivering superior client service. With a network of real estate agents, real estate attorneys, insurance providers, and other real estate professionals, Joel can assist clients in all aspects of the real estate process. Joel and her team deliver award winning customer service to clients and referral partners. Outside of the office, Joel enjoys taking day trips, going to movies, gardening, cooking, and spending time with her husband and four children.

Joel Ralph 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, Joel is committed to helping homeowners with home purchase loans and refinances. Contact Joel at (860) 606-1357 for more information!

Joel Ralph at Guaranteed Rate Affinity (NMLS #412525)

With over 30 years in financial services, Maureen knows that the industry is ever-changing. By staying up-to-date with the latest industry changes and trends, she's able to assist her clients with the best products and rates. With experience in CHFA, FHA, VA and conventional loans, Maureen creates a seamless experience from start to finish.

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) 604-0299 for more information!

Maureen Elkins at Guaranteed Rate Affinity (NMLS #507737)

Bethel

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5 Loan Officers in Bethel, CT