We Make Mortgages Personal

Buying a home shouldn’t feel like just another transaction. With us, you’re not just getting a mortgage — you’re gaining a partner who knows your name and is with you from application to closing and beyond.

Find your Solution Current Mortgage Rates
  1. Home
  2. Personal Banking
  3. Personal Lending
  4. Mortgage

The Right Home Needs the Right Financing

Whether you’re a seasoned homeowner, a first-time buyer, or exploring your options, our mortgage
solutions are designed to help you achieve your dream home with ease and confidence.

Fixed Rate Loans

This mortgage is a great choice if you plan to stay in your home long-term and have a steady income.

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Adjustable-Rate Loans

This is ideal if you plan to sell or pay off your loan within 10 years or expect your income to rise significantly.

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Refinance

Lower your monthly mortgage payments, save on interest over the life of your loan, or even cash out some equity.

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First Time Homebuyer

Perfect for those looking to buy owner occupied, one - or two - family homes and condos.

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Construction Loans

Consider a construction loan if you are looking to build a new home with simple financing options.

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Investment Loans

For landlords or investors looking to work with a local lender to finance their investment property.

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We’re Opening Doors in Connecticut

We have options to offer additional solutions to borrowers 
in our community

Home Possible

Home Possible

Who it’s for:

  • Borrowers desiring a low down payment solution with flexible sources of funds.
  • Low-to-Moderate-Income Borrowers.
  • First-time homebuyers, move-up borrowers and retirees.

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ITIN Loans

ITIN Loans

Who it’s for:

  • Borrowers who do not have a social security number.
  • Low-to-Moderate-Income Borrowers.
  • Non-US Citizens and dependents and spouses of U.S. citizens or residents.

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Lending Team

Rob Monti
Rob Monti Senior Vice President - Residential and Consumer Lending

Phone: 203.830.4804
Email: rmonti@unionsavings.com
NMLS #: 115824

 

Rob brings over 35 years of experience from the full scope of the financial services industry to his leadership role with the USB Lending Team. His involvement with various realtor boards throughout the state, and his seat as the President of the Connecticut Mortgage Bankers Association give Rob a unique and in-depth perspective on residential and consumer lending across Connecticut. Rob also sits on the board of the Regional YMCA of Western CT, is involved with Jericho Partnership of Danbury, and has volunteered with Junior Achievement of Southwest New England as well as Walnut Hill Community Food Pantry.

David Colby
David Colby VP Sales Manager, Residential Lending

Phone: 203.731.6131
Email: dcolby@unionsavings.com
NMLS #: 598820

 

David has over 20 years of residential lending experience, having worked as a mortgage loan office, business banker, and team leader at several major financial institutions. Now at USB, he leverages his extensive industry knowledge to provide the best solutions for USB customers. He provides leadership, home buying strategies, financial expertise, and support to help customers achieve their financial goals. He is a dedicated leader with a hands-on approach, supporting USB customers and the residential sales team.

Patty Dyer
Patty Dyer Vice President, Residential Lending

Phone: 860.355.5292
Email: pdyer@unionsavings.com
NMLS #: 729883
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With more than 40 years of expertise in mortgage banking, Patty is a trusted resource, both in her previous role as sales manager and her work with referral sources and customers. Her level of commitment to customer service and knowledge of the industry makes her a top performer in the business. A recent recipient of the “Women of FIRE” award, Patty has also held board positions for NM Hospital, NM Board of Realtors, Ridgefield Chamber of Commerce and the Women’s Center of Greater Danbury.

Tim Burke
Tim Burke Residential Mortgage Loan Originator

Phone: 203.791.7247
Email: tburke@unionsavings.com
NMLS #: 792388
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Tim has been an experienced and trusted residential lending professional for over 30 years. He enjoys helping first time homebuyers and is proud of having many repeat customers. When he’s not working with his clients you can find him coaching his kids in the Danbury youth baseball, soccer and PAL basketball leagues.

Suzanne Morin
Suzanne Morin Residential Mortgage Loan Originator

Phone: 860.882.2107
Email: smorin@unionsavings.com
NMLS #: 529125
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With a background in entrepreneurship as well as 15 years of residential lending experience, Sue brings creativity and expertise to the homebuying process. Sue is a member of both the Avon and Bristol Chambers of Commerce and actively volunteers with the Children’s Community School in Waterbury.

Theresa LaRock
Theresa LaRock Residential Mortgage Loan Originator

Phone: 203.910.1790
Email: tlarock@unionsavings.com
NMLS #: 452774
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Theresa brings over 12 years of banking experience in residential lending to her position at USB. Offering a holistic approach to her customers, her goal is an overall positive customer experience while finding the best mortgage products for her clients. Theresa serves on the Southbury Heritage BNI membership committee, Home Builders and Remodelers Association in Fairfield County, as well as the Professional Women in Building Group. She teaches financial literacy to children through Junior Achievement. She has also earned a Bachelor of Arts and Sciences from Post University. Outside of banking, Theresa is also a Culinary Nutrition Expert.

Frank Giner
Frank Giner Residential Mortgage Loan Originator

Phone: 203.733.5708
Email: fginer@unionsavings.com
NMLS #: 16453
Apply Now

 

Frank has more than 20 years of residential lending experience and is responsible for educating existing and prospective customers about USB’s mortgage products and guiding them throughout the lending process. He is well versed in both underwriting and originating ─ specializing in first time home buyers. Frank is a Danbury native and resident and is bilingual in English and Spanish. In his spare time, Frank travels and competes in bass fishing tournaments throughout New England and the East Coast.

Joseph Chelednik
Joseph Chelednik Residential Mortgage Loan Originator

Phone: 203.617.5888
Email: jchelednik@unionsavings.com
NMLS #: 13251
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With more than 20 years experience, Joseph specializes educating first time home buyers and real estate investors. He helps borrowers find the right loan program, financing options, and competitive interest rates. He holds a Bachelors of Science degree from Fordham University, is a Certified Mortgage Planning Specialist and a Real Estate Investor. Joseph is a member of St. Mary’s Men’s Ministry and The Ridgefield Lions Club. He enjoys vacationing on Misquamicut Beach with his family and friends.

Steve Habetz
Steve Habetz Residential Mortgage Loan Originator

Phone: 203.984.6241
Email: shabetz@unionsavings.com
NMLS #: 32518
Apply Now

 

With over three decades of expertise in mortgage lending, Steve has focused his extensive experience in lower Fairfield County. Having worked with both national and community banks, he specializes in jumbo purchase and refinance loans, along with new construction and renovation lending. Steve lives in Stamford with his wife and two of their five children, and cherishes their time spent with their grandchildren.

Talk with a
Mortgage Specialist Today

Call: 203.830.4800
Book Appointment Online
Visit a Branch

Disclaimers

1 All loans are subject to credit approval.

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