Let's Be Honest — It Comes Down to Rate & Closing Costs
You're shopping for a mortgage and deep down it comes down to two things: your rate and your closing costs. Fair enough. So here's my challenge: upload the best estimate you've received and I'll personally review it. If I can beat it, I'll reach out and tell you exactly how.
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Winning in a Competitive Market
A standard pre-approval isn't enough in today's RI market. Here's what separates buyers who win from buyers who keep losing.
of offers contingent on a home sale were rejected in competitive RI markets last year. Eliminating that contingency is often the single biggest thing you can do to win.
Get Fully Underwritten Before You Shop
Standard pre-approval is a credit check and income scan. Full underwriting means a human underwriter has reviewed your complete file — sellers treat this like a near-cash offer and it dramatically reduces the chance your deal falls apart after acceptance.
Cash Offer Guarantee Program
We can get you approved to make a certified cash offer even when you're financing. Sellers overwhelmingly prefer cash. This advantage alone can win a bidding war without paying a dollar more than the next buyer.
Buy Before You Sell
Don't let your current home hold your next offer hostage. Buy-before-you-sell programs let you move into your new home first, then sell on your timeline — no home sale contingency, no double-move, no settling for less.
Escalation Clauses & Clean Offers
Escalation clauses automatically increase your offer up to a ceiling if competing bids arrive. Pair with minimal contingencies, a flexible close date, and a personal seller letter.
Larger Earnest Money Deposit
A bigger EMD signals financial confidence. In a multiple-offer situation, 2–3% earnest money can tip a seller's decision when everything else looks equal.
Flexible Closing Timeline
Ask the seller what closing date works best and match it. Many sellers prioritize certainty and convenience over a marginally higher price.
Buying & Selling in Retirement
Move once, on your terms. Retirement brings a unique challenge: significant equity locked in your current home when you need it to buy the next one. There are strategies built exactly for this.
Use Your Equity Before You Sell
With the right financing structure, you can purchase your next home using the equity from your current one — before listing it. This means you move once, on your schedule, and bring a contingency-free offer to the table.
Qualifying on Retirement Income
Lenders can qualify retirees using a broader range of assets and income than most buyers realize:
- Social Security and pension income
- IRA and 401(k) distributions — asset depletion formulas apply even if not yet withdrawing
- Investment portfolio income and dividend streams
- Rental income from investment properties
The One-Move Strategy
Combined with a buy-before-you-sell program, retirees can move directly from their current home to their new one in a single relocation — eliminating temporary housing, storage costs, and the stress of a double-move. We handle the financial bridge. You handle the packing.
100% Financing for Physicians
A specialty mortgage designed for MDs, DOs, dentists, and other healthcare professionals. You've spent years investing in your education — you shouldn't have to wait to invest in a home.
100% Financing
Zero down payment on qualifying loan amounts
No PMI
No private mortgage insurance, even at 100% LTV
Student Debt Flexibility
IBR and deferred loans treated favorably in DTI
Offer Letter OK
Can close before your first paycheck with a signed contract
Eligible Professionals
MD, DO, DDS, DMD, DVM, PharmD, CRNA, NP, and more
Competitive Rates
Physician pricing often competes favorably with conventional products
Top School Systems in Rhode Island
For many buyers, school district quality is just as important as square footage. Here are some of RI's most highly regarded schools.
Barrington School District
Consistently ranked #1 in RI — strong AP programs, arts, and athletics.
East Greenwich Schools
High academic achievement and strong community investment year after year.
Lincoln School District
Award-winning STEM programs and among the highest graduation rates in the state.
North Kingstown Schools
Top-performing district with robust extracurricular and college-prep offerings.
Moses Brown School
Providence's 300-year-old Quaker school — exceptional academics and character development.
Providence Country Day
College prep powerhouse in East Providence with outstanding arts and athletics.
Top Cultural Events in Rhode Island
Rhode Island punches far above its weight in arts and culture. Here's what you'll look forward to calling your local calendar.
Newport Folk Festival
Legendary annual folk gathering at Fort Adams State Park. July.
Newport Jazz Festival
Running since 1954 — one of the world's great jazz events. August.
WaterFire Providence
Iconic fire installation on the rivers of downtown Providence. A true RI bucket-list experience.
RI International Film Festival
Oscar-qualifying festival drawing global filmmakers to Providence every August.
Providence Restaurant Weeks
Twice-yearly celebration of RI's world-class culinary scene.
Bristol Fourth of July Parade
America's oldest continuous Independence Day parade — a beloved RI tradition since 1785.
Highly Recommended Dining in Rhode Island
From classic seafood shacks to James Beard-recognized kitchens, RI's food scene is one of the country's best-kept secrets.
Hemenway's
Providence institution for raw bar, chowder, and New England seafood classics.
Siena
Federal Hill gem with handmade pastas and an old-world Italian atmosphere.
Gracie's
Providence's most celebrated fine dining experience. Reserve well in advance.
Jamestown Fish
Conanicut Island seafood with spectacular views of Narragansett Bay.
The Dorrance
Stunning historic bank turned cocktail bar and restaurant in downtown Providence.
Haven Brothers Diner
Providence's legendary mobile diner. Late night, cash only, unmissable.
What Clients Say About Jesse
Real feedback from real Rhode Island buyers. Read all verified reviews at experience.com.
Jesse and his team were absolutely wonderful to work with throughout our home loan process. From start to finish, they were professional, kind, and incredibly responsive — always answering our calls, emails, and questions quickly and thoroughly. What can often be a stressful process was made smooth and easy thanks to their guidance and expertise. I would highly recommend Jesse and his team to anyone looking for a reliable and attentive mortgage lender!
Jesse and Jennifer were amazing. Very patient with us and extremely helpful in the entire process. We feel so fortunate to be able to use this service to purchase our home in a timeframe that was much less stressful. We will recommend Jesse and team to anyone. Thank you Jesse and Jennifer. Tracy and Bob
Very responsive. Took the time to explain the process to first time homebuyers. Had our best interests in mind.
Jesse is responsive, available, and knowledgeable and guided me through the home purchase seamlessly!
Jesse was professional, responsive, and made the entire mortgage process smooth and stress-free. Communication was clear at every step, and everything was handled efficiently. I would highly recommend Jesse and his team.
Jesse was supportive and always available. We worked with him for nearly a year before landing on a home — and through it all, he remained dedicated to our mission and found many creative solutions to help us. Jesse worked for us tirelessly and we are forever grateful to him. The whole team was pleasant and hardworking. A+ service.