Visit My Webpage

Welcome 2020!  What a difference a year makes.  According to Freddie Mac, during the first week of 2020, average US fixed interest rates for 30 year mortgages were 3.72% vs 4.51% one year ago at the start of 2019 – and rates are even lower this week!  With financing rates this low, buyers may be starting their spring home-buying season sooner rather than later. It’s a great time to prepare for what could be a very busy year!

For those I haven’t met in person yet, I’m Kim Pelliccia, Mortgage Consultant for Charles River Bank.  I’ve walked in your shoes, working as a Realtor® in MA and RI, as well as a real estate closing paralegal. I have successfully incorporated my prior experience in real estate directly into my role as a residential lender. My vision has always been to provide outstanding customer service and since we work in a referral business industry, I am dedicated to making sure I provide nothing but excellence throughout. I provide insight and direction to help buyers navigate through the complexity of the mortgage financing market.

A few unique programs that our Charles River Bank lending team and I have been able to access for income qualified buyers include:

• FHLB Housing our Workforce grant programs offering up to $20,000 in matching down payment funds
• FHLB Equity Builder Program offering up to $15,000 down-payment, closing cost and rehab assistance

There are many other unique financing programs that may better fit your buyers’ individual needs, and throughout 2020 I’ll be sharing some additional details that you may find helpful.

If you have any specific situations where you’re looking for a creative solution to finding financing, I invite you to call or email me.  I’m here to help provide ideas and solutions, and put in the work to make sure you, your sellers and buyers get to closing on time with no surprises, completely satisfied with service and the financing process.

I look forward to working with you and wish you a very successful 2020!