Jim Earl

Regional Manager, CT

409 Canal St, Suite 2, Plantsville, CT 06479
Contact Jim
NMLS: 21374

Ready to start your Digital Mortgage?

Apply now

TestimonialsCustomer testimonials Read more

Jim Earl and the team went above and beyond to get me funded. The multi-unit property was not certified for a VA loan so the team prepared a good conventional loan option concurrent with gathering and submitting all the documentation required by the VA to get the property certified, and ultimately to get me the VA loan option. It means a lot to me in my complex personal and financial situation. I am a mortgage loan servicer for a quality regional bank, and don't think our organization, or any...

Stephen R. | September 2018

Top notch customer service.

David F. | August, 2018

My husband and I could not be more thankful for the amazing work Jim Earl and his team did for our family. There were so many road blocks throughout this process that my husband and I encountered, but Jim and Linda kept us calm and helped us navigate through the process beautifully. In fact they made our financial outcome even better by working with us to pay off debt, freeing up more cash, as well as keeping us within our mortgage budget so we could buy the house of our dreams for our family....

Larisa C. - July | 2018

Jim was very helpful. Thanks again!

Keith R. | July 2018

As a first time home buyer I can't begin to explain how pleased I am that I chose to get my mortgage loan through Guaranteed Rate. The costumer service and professionalism that was provided by Jim Earl, Linda Maxwell, Rebecca Miller, and Michael Konarik, along with the rest of the team I worked with at Guaranteed Rate was absolutely stellar. I will with out a doubt be recommending Guaranteed Rate any chance I get.

Jonathan F. | June 2018

Jim and his team were on the ball from day one to closing, they jumped through hoops to get anything accomplished that was put in front of them. They made the process very simple for me and would recommend them to anyone that’s looking for a home. Thank you very much Jim and your whole team.

Dennis C. | May 2018

Guaranteed Rate handled our loan application efficiently, professionally, and thoroughly, from the onset of the application through the closing process. We made a wise choice in selecting our lender.

Lynn S. | MAY 2018

Jim, Michael and Katherine were great to work with. They were very responsive and made sure and the loan was ready to close.

Tara V. - May | 2018

Guaranteed Rate has made my move a successful and smooth with no worries. All questions were answered in a timely manner. guaranteed Rate team is very professional when it comes to taking care of business. I will recommend them over and over again.

Desiree J.

Jim Earl and his team did a fantastic job with my loan, going above and beyond in many regards. Personalized service, fair rates, reasonable fees, just excellent service from everyone. Response time excellent, and the electronic submittals are very user friendly. It was a pleasure doing business with Guaranteed Rate and this team. Thank you.

Charles G.

From start to finish, Jim Earl and his team at Guaranteed Rate (Plantsville, CT) were hugely helpful to my wife and me as we mortgaged our new construction home. Jim helped us to fully understand our options, explained different scenarios, and kept us informed throughout the entire process. At one point, Jim took my weekend phone call, despite being away at his son's wedding! This speaks to the level of commitment and service they offer. Jim is well connected in our area's real estate market,...

Jeffrey M.

Jim and his team were amazing! As first time buyers, they made the process of us getting a loan so easy, quick and smooth. Definitely would recommend them to our friends and family!

Elton I.

Jim Earl and his team helped immensely to relieve the stress of the whole mortgage loan process. They answered all my questions patiently. They are an excellent team! Thanks so much!

Lynne K.

Jim & staff were great to work with! Extremely satisfied & would strongly recommend.

Kimberly R.

Jim and his team made the entire process as effortless as possible on my part. They got me approved in a timely fashion and we closed on the house in less than 30 days! Amazing experience and the gift bottles of wine were delicious. Thanks again and I'll be sure to refer anyone over to Jim and his team!

Tyler M.

Jim and everyone on his team was wonderful! Answered all of my questions and did so with a smile. Made a very stressful time less stressful.

Kyle C.

Jim and the rest of the loan team worked with me through some difficult and challenging issues that came up during the home buying process and were excellent in resolving the issues. Would definitely recommend them to others who are also looking for a loan or a refi.

Nischal R.

I thought the process was very smooth and quick. I liked that Jim gave me his personal opinion on a couple of items. Kathy was friendly and responsive, Dori was good also. The only comment I would make was that when my file was handed off to the Dori; I got a little nervous because it took a couple days for me to receive an email and I knew that the closing process needed to be quick. However, once I reached back out to Kathy, she did a quick follow up. Thank you for making the experience a...

Paula D.

Jim and Dori were very good to work with. The closing with Dennis was very easy, quick and he was a pleasure to work with. Everyone put in extra effort to make sure we were able to close in time despite some delays on our end. I would definitely recommend them to anyone!

Bryan B.

Outstanding service very professional very caring understood my needs made it very easy throughout the application process and in the closing process. I highly recommend anyone for Guaranteed Rate

Brian S.

Jim and his team came through for me and I appreciate everything they did to make the loan process easy. Thank you Guaranteed Rate!

Robert W.

Jim Earl was wonderful to work with! Anytime I had a question--he and his staff was ready with answers. This was one of my most positive banking experiences EVER!!!

Gregg M.

I was very happy with everything and the loan went very smooth.

David J.

Jim and his team are the best! Amazing service! This was the 2nd time I used them and I wouldn't hesitate to go with them again! I would strongly recommend them for any mortgage service needs!

Michael K.

It's always a pleasure to work with Jim Earl & his team!!!

Robert A.

Jim and his team made the process quick, easy and painless.

Jon B.

Jim Earl and his team did a great job. Special thanks to Jim and Ryan Glasper.

Jean G.

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.

See how easy the Digital Mortgage works

Today’s rates

Loan Type Rate APR

*Rates may vary by state.

Check rates and get approved online right now in just minutes! Or give me a call and I’ll answer your questions and guide you through the process!

Intuitive Loan Finder

Our Intuitive Loan Finder lets you sort by lowest monthly payment, lowest interest rate or the right loan term.