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Jim Earl

Regional Manager, CT
409 Canal St, Suite 2, Plantsville, CT 06479
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NMLS: 21374
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Your company took the stress out of the equation and we were very pleased with the whole process!

Anthony A.

Jim Earl and his team made the process of refinancing very straightforward. We really appreciated the ongoing contact and careful attention to detail. This is the third time we have worked with Jim and feel very confident in his abilities and have recommended him to others.

Scott B.

Jim Earl and his team were very helpful. They assisted me in achieving all my goals with the purchase of our new home and they provided me with the best options for my situation. Everyone at the office was helpful, considerate, and compassionate during a stressful time in my personal life. Thanks for the good service!

Brian P.

Everyone I needed to talk to was responsive and friendly. The terms of the loan were clearly explained to me and there were no surprises at closing (i.e change in interest rate or loan terms). Thanks!

Jeffrey W.

Thank You for all your help you guys are the best...

Christina Z.

Always a great experience with Jim and his team!! They are ALWAYS available to go the extra mile!!!!

Kara A.

After being turned away by several unhelpful Mortgage Brokers, the Team at Guaranteed allowed us to own our Dream Home! Quick, attentive and the way things should be!

Sarah C.

From start to finish Guaranteed Rate made my refinance exceptionally easy and problem free. My loan was closed and funded in less than 1 month. I highly recommend using Guaranteed Rate to any one looking to refinance or mortgage a property.

Matthew G.

They are a great team, and I highly recommend them to anyone!!

Michael B.

Highly professional and extremely attentive. Their follow up was fantastic.

Kevin J.

" I have never had a better organized team of people helping me with a mortgage. I would definitely recommend Jim Earl and his team to all my colleagues and friends. Thanks again! Al LaPorta."

Albert L - Wolcott, CT | Feb. 2016

Jim Earl made the experience painless and walked me thru the whole process. Great job!

Robert T.

Jim Earl and his team are outstanding. They are always there to answer any questions promptly.I recommend them to everyone. Love the online access and updates as to the loan process also.

Timothy M.– Southington, CT | SEP 2015

Jim Earl was excellent from start to finish in this process. This is my 3rd experience with a home loan and 1st with guaranteed rate. This is by far the best, easiest loan experience I've had.

Jason M. – Plymouth, CT | AUG 2015

Jim Earl and his team are outstanding. They are always there to answer any questions promptly. I recommend them to everyone. Love the online access and updates as to the loan process also.

Timothy M.

Comment: Jim Earl was excellent from start to finish in this process. This is my 3rd experience with a home loan and 1st with guaranteed rate. This is by far the best, easiest loan experience I've had

Jason M.

Jim Earl was absolutely great to work with. He took the time to walk us through all of the paperwork and really helped us understand the whole process.

Michelle S.

Jim and his team do a great job. This is my second transaction with them and I have already recommended to others.

Jeremy G.

Jim Earl is friendly and personable.

Mark T. – Southington, CT | Feb. 2015

Everyone at Guaranteed Rate were professional and right on top of things! I would recommend them a million times over. Jim, Linda and all of their staff were all very knowledgeable and well trained! From start to finish everything was always in order,done in a timely fashion and that makes for very pleasurable experience!

Arian B. - Wolcott, CT | Dec. 2014

About Jim

Jim joined Guaranteed Rate in March 2014. He holds a BS in Business Administration from Norwich University and has 30 years of experience in mortgage banking. As a well-known and respected mortgage professional, Jim utilizes his extensive financial background to meet the home financing needs of his clients. He is a regional manager for Guaranteed Rate where he manages the entire state of Connecticut and works out of the Southington office.

Jim has been a consistent top producer and has established himself as a specialist in creating beneficial borrower alternatives through diversified products offerings. Jim has ranked in the Top 1% of Mortgage Originators in the country for the past 3 consecutive years as listed in Mortgage Executive Magazine.

Jim's boutique approach to mortgage lending provides clients with personal attention, a steadfast commitment to detail, service with integrity, suitable products and the best possible rates.

Jim resides in Southington, CT with his wife, Linda. They have five children; Jake, Katrina, Jessica, Laura, and Micala. In his spare time, Jim enjoys boating, fishing, golfing and skiing. He has also been an assistant High School Football coach in Southington for the past 8 years. Jim is active in the community as he is the director of the Connecticut House of Heroes and a member of the Rotary Club of Southington.

Jim interview Q&A

How long have you been in the mortgage business and what inspired you to get into it?
I have been in the mortgage industry for over 30 years and enjoy helping people with their biggest purchase and making that process smooth and comfortable and treating every customer as a life long friend. I am gratified by helping to finance their first home, dream home, vacation home and making life more affordable.
What are the pros and cons of a fixed rate mortgage versus an adjustable rate mortgage (ARM)?
Fixed Rates vs ARM - really comes down to what are your risk tolerances and how long will the customer be in the home. For example if a young couple were buying a starter home and don't plan on living there more than 5 years I might suggest a 7/1 ARM as they would have the benefit of a lower rate during that period of time.
What can borrowers do to insure a smooth mortgage underwriting process?
Be as responsive as possible and have sense of urgency when information is being requested. Those that procrastinate to the last minute usually experience a more stressful process as they don't allow the time necessary.
What do you enjoy doing most in your spare time when you are not helping people with their home loans?
I have been a volunteer football coach at Southington High School for the last 8 years. I love giving back to the young people and showing them the great game of football and how it relates to everyday life. I think by being a successful business person and showing them the passion I have for the game, my business and life helps serve a role model in some way.
Tell us something that makes you unique or something wacky, yet interesting about you?
I am color blind and I only have black dress shoes and socks. Early on in my career I once showed up with one black shoe and one brown and more times than I can count would have miss matched socks.

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