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THORSTEN BERNACKI:
Living in CT his whole life and working in customer related fields, Thorsten has a complete understanding and knowledge of the people in CT. Being the owner and manager of Realnet Direct in Watertown for the last 4 years and working in the mortgage industry for another 7 years prior, Thorsten has an extensive knowledge of all aspects of the industry. He specializes in conventional, government and subprime direct lending. He prides himself on customer satisfaction and spends the time with each client to insure they attain the best mortgage program to suit their needs.
Unlike most originators, Thorsten takes the client directly from the application process right through the funding to ensure a smooth transaction. Even after the deal is closed, Thorsten always makes himself available to the client for any questions that may arise at a later date. His love for his clients, his knowledgeable background and having the love of the business allows Thorsten to offer each client that personal touch.
When Thorsten is not at work his relaxation comes from flying a plane with his family and fine dining.
MARGARET GRAY:
Being a very energetic person that loves to help people, Margaret has found out that being in the mortgage business, she can exceed her goals of accomplishing this. Not only is she able to help Realnet's clients, but also as the Assistant Manager of Realnet Direct, she is also able to assist all of her co-workers.
When Margaret is not at work, she enjoys spending quality time with her children doing outside activities and volunteering at their schools.
JOHN OCHWAT:
John has been a loan officer since 1998 and has been with Realnet since April of 2002. His previous background was in construction and Real Estate. This has helped John to appreciate the needs of those whose work may be seasonal or with down times and to provide a product to meet their needs. He also understands what real estate agents and their clients require - an on-time, no hassle loan. John works with his clients from start to finish with personal attention and the professionalism of a member of the Realnet Direct team.
JANE MELTON:
Jane Melton has been a Loan Officer with Realnet Direct since early 2003. She came to Realnet Direct with an abundance of financial planning experience having worked at Merrill Lynch for 18 years. Jane enjoys educating clients on the home buying and financing process while offering friendly, professional and personal service. She specializes in many loan products including conventional, conforming, jumbo, FHA, special niche products and refinances.
KEVIN LUBITSKI:
Kevin Lubitski came to Realnet with 2 years prior experience with another lending institution. The direct lending capabilities, as well as the tight knit organizational skills taught by the branch manager, were very different compared to his past job as a broker. Kevin is proud to be a member of the Realnet Direct team, and plans to be on that team for the remainder of his career as a Loan Officer.
Kevin has been a CT resident for all 27 years of his life. He believes a close relationship with Realtors, as well as clients, is an essential part of his business practice. Kevin attends all of his closings, and shows his clients that he is there to help them not only during the loan process, but after it as well. Whether it is a FHA, conventional, stated income, 100% financing or jumbo loan, Kevin will find the one that best suits his clients and gain a new friend in the process.
SANDI LAFRENIERE:
Sandi Lafreniere is a business woman with a drive for success. She has been in sales for six years, most recently with Frito-Lay Inc. as a Direct Manager. She managed an extensive demographic area with approximately 5 million in sales annually. Growing her business meant building relationships with the customers and providing them with the highest level of service, integrity, and dependability. This same service is what she will be offering to her customers and clients at RealNet Financial.
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