Union Savings Bank Mortgage

The right home includes the right financing.
Local Underwriting Decisions
Porfolio Lending

We carry our own loans so your loans won’t be sold*.

Local Service
Fast Decisions

And fast processing for qualified applicants.

First Time Program Features:
  • No PMI with 10.1% down payment
  • Discounted rates
  • No application fee
  • Local underwriting decisions
  • Portfolio loans (so you only deal with us)
  • Fast approval and processing for qualified applicants
  • Loan amounts to $475,000
  • No income limits
  • No sales price limits

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 30 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 2nd Vice 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.

Raymond Michaud
Raymond Michaud Vice President, Sales Manager – Residential Lending

Phone: 203.731.6131
Email: rmichaud@unionsavings.com
NMLS #: 452764
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As VP and Sales Manager of our Residential Lending Dept., Raymond has been a valuable resource to homebuyers in Connecticut for nearly 30 years. His areas of expertise include Construction and Renovation loans, First-Time Homebuyer lending and education, and financing for Family Separation/Dissolution situations. He is an affiliate member of the Northern-Fairfield County and Mid-Fairfield County Associations of Realtors, and the Greater Bridgeport Board of Realtors. Raymond also serves as Executive Director of Falcon Repertory Company, a not-for-profit based in Trumbull.

Patty Dyer
Patty Dyer Vice President, Residential Lending

Phone: 203.431.5963
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
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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
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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.

Elizabeth Brucker
Elizabeth Brucker Residential Mortgage Loan Originator

Phone: 203.858.7622
Email: ebrucker@unionsavings.com
NMLS #: 58191
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A seasoned mortgage professional, with over 22 years in residential lending, Beth works consistently to understand and address her clients’ needs. Her success is marked by her timely communications and offering personalized care to each of her customers. She takes the time to explain each step of the mortgage process to her borrowers, ensuring that their best interests remain at the forefront. A long-time resident of Westport, Beth currently resides in Beacon Falls. In her free time, she enjoys taking long nature hikes with her dog, Riley, playing pickleball, and baking special desserts.

Personal savings begins here.

Investing and financial planning services. Simplified under one roof.

Existing USB mortgage customer? Contact us.

For questions regarding your existing USB mortgage, including payment and escrow inquiries, please call our Customer Service Center at 866.872.1866.


As required by federal law and the Secure & Fair Enforcement for Mortgage Licensing (SAFE) Act, Union Savings Bank employees engaged in the origination of residential mortgage loans are registered in the Nationwide Mortgage Licensing System (NMLS). Please click here to see a list of registered employees and their NMLS registration numbers: Union Savings Bank NMLS registered personnel list

All loans are subject to credit approval.

*In some circumstances, loans may not be portfolioed and servicing may be transferred.

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