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Select from hundreds of loan products tailored to your needs

Carlene Shannon

Carlene Shannon

Branch Manager

26 North Main Street, Suite 1b, Southington, CT 06489
Own what matters
Own what matters

About Me

Your satisfaction is my success. Your referrals are my future! I take pleasure in assisting all of my clients in placing the pieces of the mortgage application puzzle together. I pride myself on being there for my customers before, during, and after the loan transaction, which builds a lifelong, trusted relationship. I have been a consultant to many, assisting with one of the most important financial decisions a person can make.

I joined the Residential Mortgage Services family in 2012 and have over twenty years of experience in the mortgage industry, working in various roles throughout the entire process. In her spare time, I am an avid foodie and enjoy boating and traveling.

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Let’s find the right home loan for you

We have loan options to fit every situation, from down payment assistance programs for first-time homebuyers to government-sponsored programs for military families and rural residents or jumbo loans in high-cost markets.

Conventional

Conventional

A Conventional loan is a great option if you have an average to high credit score and little debt. This allows you to take advantage of lower interest rates. With these types of loans, you have the option to put 20% down, which eliminates the need for private mortgage insurance (PMI) and saves you money. If you don’t have a large down payment saved up though, don’t worry. We have Conventional loan options for down payments as low as 3%.
Down payment assistance

Down payment assistance

If you’re purchasing your first home, you have options to buy without saving a full down payment. Down payment assistance (DPA) programs can help with your down payment in the form of a loan or grant that is often forgiven over time.
FHA

FHA

If you’re looking to buy on a tight budget, these loans are a great option. It’s easier to qualify for FHA loans because they carry lower credit score requirements and lower down payment options starting at 3.5% down. They’re also insured by the Federal Housing Administration (FHA) and only issued by FHA-approved lenders.

All loans are subject to underwriter approval; terms and conditions may apply. Subject to change without notice.

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Testimonials

Testimonials
4.96 out of 5.0 stars
5.0
5.0
4.89
5.0
Karen
May 28, 2024
Verified

Quick and efficient! Cleared to close in less than a month….amazing!!
Gary
May 28, 2024
Verified

Home owner!
Joseph
May 06, 2024
Verified

Carlene and Jessica made this experience fantastic, helping any way they could and sending me any documents I needed.
Joe
May 06, 2024
Verified

Carlene and Jessica were excellent as always. From first intro to buyer up until closing, communication was constant, quick, and friendly. Highly recommend!
Matt
Apr 29, 2024
Verified

Carlene is the best. I love proving to my clients that I can call her 24/7 and she has picked up the phone 100% of the time.
Steven
Apr 22, 2024
Verified

Very easy to work with and on top of their gane

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Awards

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Causes I'm
passionate about

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NMLS ID #403116
I am authorized to do business in the state of Connecticut.