Milford, CT NMLS# 2764

185 Plains Road, Milford, CT 06461

Welcome to our Milford, CT location!

We’re proud to call Milford our home base and headquarters for all operations. Since 1997, we’ve cultivated an amazing team of loan officers dedicated to helping you reach your financing goals. Whether you’re looking for a local property or something out of state, our Milford team has a national presence and the resources necessary to position you for success. Contact our team today – we would be happy to assist you!

Our Team

Shelby Lamarre

Shelby Lamarre

Mortgage Banker

NMLS# 1152674

Chris Affinito

Chris Affinito

Chief Revenue Officer

NMLS# 1499866

Andrew Johnson

Andrew Johnson

Loan Processor

NMLS# 1660745

Anne Ogden

Anne Ogden

Senior Mortgage Banker

NMLS# 523291

Ariella Eisenberg

Ariella Eisenberg

Mortgage Banker

NMLS# 2005796

Bill Flanagan

Bill Flanagan

Mortgage Loan Originator

NMLS# 1525363

Charlie Masse

Charlie Masse

Branch Manager/VP, Mortgage Loan Originator

NMLS# 23120

Conroy Johnson

Conroy Johnson

Mortgage Banker

NMLS# 2535834

Corinne Moreno

Corinne Moreno

Branch Manager

NMLS# 1858258

Dennis Works

Dennis Works

VP, Mortgage Loan Originator

NMLS# 1031662

Desmond Ladd

Desmond Ladd

Mortgage Banker

NMLS# 103696

Eric Chou

Eric Chou

Loan Officer

NMLS# 2473047

Eric Khan

Eric Khan

Regional Manager

NMLS# 184348

Frederick Davila Jr

Frederick Davila Jr

Mortgage Banker

NMLS# 2446916

George Komoroski

George Komoroski

Vice President/Mortgage Loan Originator

NMLS# 16721

Gina Pereira

Gina Pereira

Mortgage Loan Originator

NMLS# 1294432

Hayley Horzepa

Hayley Horzepa

Mortgage Loan Originator

NMLS# 1891674

Jaime Laureano

Jaime Laureano

Senior Mortgage Loan Originator

NMLS# 257075

Jason Girardin

Jason Girardin

Senior Mortgage Loan Originator

NMLS# 144002

Joanne Ingle

Joanne Ingle

Branch Manager

NMLS# 1544833

Joey Defrancisco

Joey Defrancisco

Mortgage Banker

NMLS# 2052750

Joseph Marek

Joseph Marek

Mortgage Banker

NMLS# 2043292

Joshua Hayden

Joshua Hayden

Mortgage Banker

NMLS# 2446332

Juan Chamba

Juan Chamba

Mortgage Loan Originator

NMLS# 2064057

Karen Karker

Karen Karker

Mortgage Banker

NMLS# 85338

Kate DiBenedetto

Kate DiBenedetto

Mortgage Banker

NMLS# 1391040

Kenneth Shuler

Kenneth Shuler

Senior Mortgage Banker

NMLS# 560906

Kevin Kearns

Kevin Kearns

Branch Manager

NMLS# 175711

Leasly Negrón

Leasly Negrón

Mortgage Banker

NMLS# 2475920

Lisa German

Lisa German

Mortgage Banker

NMLS# 581886

Luz Del Carmen McCray

Luz Del Carmen McCray

Mortgage Loan Originator

NMLS# 1232031

Marc Laudicina

Marc Laudicina

Branch Manager

NMLS# 5429

Marco Merati

Marco Merati

Mortgage Loan Originator

NMLS# 376445

Marie Antionette Brai

Marie Antionette Brai

Mortgage Banker

NMLS# 2423387

Mason Law

Mason Law

Mortgage Banker

NMLS# 2108006

Matthew Trumbley

Matthew Trumbley

VP, Mortgage Loan Originator

NMLS# 13195

Michael McAllister

Michael McAllister

Mortgage Banker

NMLS# 1908612

Michael Gebbia

Michael Gebbia

Mortgage Loan Originator

NMLS# 1954372

Mike Ortiz

Mike Ortiz

Mortgage Banker

NMLS# 1474791

Mike Duda

Mike Duda

Director of Retail Sales

Neal Ludovico

Neal Ludovico

Senior Mortgage Loan Originator

NMLS# 13193

Nick Caparosa

Nick Caparosa

VP, Mortgage Loan Originator

NMLS# 1481262

Nicolas Fabian

Nicolas Fabian

Mortgage Banker

NMLS# 1748676

Pete Blaney

Pete Blaney

Senior Mortgage Banker

NMLS# 13165

Rich Boiano

Rich Boiano

Mortgage Banker

NMLS# 108640

Ryan Seeger

Ryan Seeger

Mortgage Banker

NMLS# 741801

Ryan Cast

Ryan Cast

Mortgage Banker

NMLS# 1482468

Ryan Spano

Ryan Spano

Mortgage Loan Originator

NMLS# 2239937

Scott Almeida

Scott Almeida

Mortgage Banker

NMLS# 35170

Shane Higgins

Shane Higgins

Senior Mortgage Banker

NMLS# 2020715

Stephen Gambardella

Stephen Gambardella

Mortgage Banker

NMLS# 1997649

Susan Kayal

Susan Kayal

Mortgage Banker

NMLS# 2308472

Susan McNamara

Susan McNamara

Mortgage Banker

NMLS# 116976

Tammie Crainich

Tammie Crainich

Licensed Mortgage Advisor

NMLS# 75921

Thomas Ziemba

Thomas Ziemba

Mortgage Banker

NMLS# 2694981

Victoria Possidento

Victoria Possidento

Senior Mortgage Banker

NMLS# 70586

William Lavigne

William Lavigne

Mortgage Banker

NMLS# 78392

William Navarro

William Navarro

Mortgage Banker

NMLS# 1828495

Zach Cofrancesco

Zach Cofrancesco

Mortgage Loan Originator

NMLS# 2543739

House

The selection you need at the interest rate you want.

Apply now

Testimonials

Neal gives his clients personalized service and advice; he really cares. He made himself available nights and weekends and checked in on the process regularly. I have completed several transactions with Neal over the years and HIGHLY recommend him!

Kristin G.

encompass

Testimonials

Working with Mike was an absolute Pleasure. He was there to answer all of our questions with insight and support. As first time home buyers, we would not have wanted to go through with this process with anyone else. The team was diligent, recommendations were strong, and he kept us updated every step of the way. Thank You tool Mortgage an thank you Mike!

Daury R.

thelenderlist

Testimonials

I would highly recommend Mike! I went into this process thinking I would only be able to rent. My realtor got me in touch with Mike who was able to get me pre-approved much to my surprise, and also ran all the numbers for me as I was going through the offer-counteroffer process. He helped keep me informed every step of the way to closing and even afterward. I couldn’t recommend him enough.

Jeremy A.

zillow

Testimonials

Hello everyone!! We are Langston & Shannon. If you are even looking to purchase a home/property. We highly recommend Micheal Ortiz. He was very informative about numerous programs available, made sure we were comfortable, did everything at his Best and Most importantly He is HONEST! We were able to get Approved and Close in less than 3 months. Thank You Again Mike we are truly grateful.

The L.

zillow

Testimonials

Working with Mr Ortiz was a pleasure. He worked quickly and efficiently letting us know what our options were based on the information we provided to him. He was able to secure pre approval quickly so we could be competitive with our offers. Once we had an accepted offer, Michael and Stephen were awesome with telling us what documents were needed, dates, times and how to avoid delays. They also counseled on us common mistakes to avoid during underwriting. As a first time buyer, I had a TON of questions, all of which I asked and they answered with a smile on. We were able to go from pre approval to closing in about 35 days, which was absolutely amazing and we were able to make our mid May deadline in the town we wanted.

Maurice O.

zillow

Testimonials

Mike made sure he was available at all time of the day even when he was dealing with some very important family matter. He definitely went above and beyond helping me in every aspect

Bryan S.

encompass

Testimonials

Desmond Ladd was extremely helpful and answered all of my questions. He was kind and understanding to my situation and went above and beyond to help me make it work! I am truly grateful to Desmond for everything he did for me. Sincerely Caren Lombardi

Caren L.

encompass

Testimonials

words cannot even express how working with Shelby as my loan officer was the most amazing experience I have had in a lifetime, Not only was she kind and gentle she was very informative well-educated and professional on every level. Shelby and I built a bond Not only on a professional level but also on a friendship level. Not one time did I feel lost or misled. I would call her anytime of the day email, or text and she always had the answers for me. I utilized her entire team just based on her level of professionalism she walked me through every single step from my pre-approval up until after the closing congratulating me and my family. I will be recommending Shelby to every friend and family member I have that will be looking to purchase a home and more. Thank you Shelby for your support your generosity and just being empathetic while dealing with my anxiety around purchasing my first home You are greatly appreciated. Thank you again

Tarthur800

zillow

Testimonials

Charlie did a fantastic job. He got all of our paperwork in and mortgage set up quickly and efficiently. Gave us multiple options to choose from and went above and beyond in my opinion.

Keith B.

encompass

Testimonials

Charlie is always quick to answer the questions you need answers to. If he misses your call he always communicates when he will call you back! He is by far the best at what he does. Thanks again Charlie.

Deborah E.

encompass
Mortgage Rates Illustration

Mortgage rates today

The current 30-year fixed mortgage rate is as low as 6.250%. Get a personalized quote in just a few minutes.

Above rates last updated December 29th 2025, 4:30pm EST.