Ron Klein
Vice President of Mortgage Lending

With 40+ years in the Banking Industry, Ron brings a tremendous set of knowledge and skills beyond just mortgages. Ron joined the mortgage industry in 2006. His outstanding people skills are evidenced by being named a ýConnecticut Top Mortgage Professionalý by Connecticut Magazine for the past three years running. Ron is fluent in the full range of mortgage products as well as Reverse Mortgages. He has processed more than 100 of these loans as a Mortgage Loan Officer. He does not ýsellý these products as much as fully educates clients and their families as to how they work. The final decision is theirs and his extensive experience helps move them through the process. Ron feels that, in all mortgage situations, setting expectations of the client is critical, specifically in the area of required documentation. Each client receives an overview of document requirements so they are comfortable knowing what is to come in the loan process and avoiding ýsurprisesý. ýMy greatest satisfaction comes when homebuyers receive the keys to their new house. Second to that would be the client who has been told repeatedly that they cannot qualify for a loan and we are sitting at the closing table.ý Ron holds a BS in Finance from Central Connecticut State University and is a graduate of the Williams College School of Banking. He is a long time Board member of the United Way of Southington holding various Officer Positions. Having joined Rotary in 1979, he is Past President and has been awarded the Paul Harris Fellowship Award by its members. He has been the Treasurer of the Southington South Little League since 1998 and remains active in the community.

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Loan typeRateAPRDiscount points ($)Mo. payment

This is NOT a mortgage loan approval or commitment to lend. The actual fees, costs, and monthly payment on your specific loan transaction may vary, and may include city, county, or other additional fees and costs. Mortgage rates are offered exclusively through Guaranteed Rate and are subject to change without notice. If the down payment is less than 20%, mortgage insurance may be required and could increase the monthly payment and APR. The payment amount does not include homeowners' insurance, flood insurance (if applicable), or property taxes that must be paid in addition to your loan payment. The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money expressed as a yearly percentage. For mortgage loans, excluding home equity lines of credit, it includes the interest rate plus other charges or fees (such as mortgage insurance, discount points, and origination charges). For home equity lines, the APR simply reflects the interest rate. When shopping for a mortgage, you can use the APR to compare the costs of similar loans between lenders. One discount points equals one percent of your loan amount. Some jumbo loan options may not be available to first\-time home buyers. We based the mortgage interest rates shown on a 30\-day rate lock period. Under certain circumstances, a 30\-day rate lock may not be available. When you apply, you can choose to lock or float your interest rate range. Mortgage rates and loan options displayed depend on a number of variables, including the accuracy of the information you have entered, which is subject to verification, credit and property approval. These mortgage rates are based upon a variety of assumptions and conditions, which include a consumer credit score that may be higher or lower than your individual credit score. Your loan's interest rate will depend upon the specific characteristics of your loan transaction and your credit history up to the time of closing. VA If you meet the eligibility requirements of the VA program, gifts or grants may be used for down payments. Up to 100% financing may be available for qualified borrowers. Most VA loans require the borrower to pay a 'funding fee'. This fee may be paid out of pocket or financed into the loan amount. At the direction of the United States Congress and the Department of Veterans Affairs VA Funding Fees may increase or decrease without notice. Guaranteed Rate, Inc. is a private corporation organized under the laws of the State of Delaware. It has no affiliation with the US Department of Housing and Urban Development, the US Department of Veterans Affairs, the US Department of Agriculture, or any other government agency. Adjustable Rate Mortgage (ARMs) Interest rates and payments may increase after consummation. After the initial fixed period, your interest rate may change periodically according to the market index. Any change may significantly impact your monthly payment. Since the index in the future is unknown, the First Adjusted Rate and Payments displayed are based on the current index plus the margin (fully indexed rate) at time of scenario/disclosure. Before choosing an ARM, you should decide if you can manage the maximum estimated payment if the rate increases. To fully understand minimum and maximum payments, please speak to a mortgage loan expert.