As a course developer and instructor we focus on bringing real life into the classroom. Whether in person or online, our unique courses provide real estate professionals with knowledge of the mortgage business, with an emphasis on Why Deals Fall Apart. I am approved instructor by the National Association of Realtors and a contributor to their newest Home Finance Resource Certification. (HFR)

As the director of mortgage education and training, your needs matter most. We believe all companies should have access to the very best, high-quality origination education that is affordable and available to all origination professionals. Brokers, bankers, mortgage loan originators, loan originator assistants, credit unions, regional and national banks can all participate with the ultimate benefit of improving consumer's experiences and outcomes.

Charter Oak Lending Group, LLC was started in 1999 by my husband and partner Don DeRespinis, CPA and me. We built a reputation of providing competitive rates and costs with a strong focus on honest and ethical business practices. Since then we have originated and closed over $1 billion in residential mortgages. We are licensed brokers in CT and FL. My career in mortgage brokering began as a mortgage loan originator in 1994 at a small broker company. Prior to starting the company, I worked for three years for a wholesale mortgage lender, learning from the inside what it takes to get mortgage loans closed. Since 1999, with the exception of two short periods, I have worked as President of Charter Oak for the past 14 years. Using our proprietary software LoanMgr developed by Don, we stay in touch with all of our customers, Realtors, attorneys and closing agents before, during and after the close of each transaction. Our business model is to compete fairly by giving each customer a high level of advice and service tailored to their specific needs. 100% of our business is from referrals from Realtors, attorneys, CPAs and most importantly thousands of satisfied customers.We have written numerous articles and courses and continue to develop new courses all the time. Together we co-authored and published The Mortgage Professional National, Residential Mortgage Loan Originator, approved in all 50 states by the Nationwide Mortgage Licensing System & Registry (NMLS&R) for pre-licensing education of all mortgage loan originators. I have taught over 1,000 hours of live mortgage and real estate courses. As a Past President of the CT Mortgage Association, Past Director for the National Association of Mortgage Professionals and Past Director for the Northern Fairfield County Association of Realtors, I served on the FHA, education and legislative committees. I am a consumer advocate, lobbying on behalf of consumers in Hartford, CT and Washington DC.

Fifteen year reputation in the mortgage industry as knowledgeable, ethical and customer service oriented. Advocate for mortgage brokers and originators. Training incorporated in solid, customer service. High level of integrity. Student of the mortgage business, enjoy helping originators get to the next level. Professional, honest and believe customers have the right to expect competency. Proven in B2B strategies.

SAFE ACT pre-licensing instructor for federal and state course requirements. We offer a unique approach to the required 20-hour SAFE Pre-licensing Comprehensive course as well continuing education and sales and managment training for mortgage professionals. I customize education and training based on your company's specific needs. We offer complete mortgage broker business software and compliance solutions.

Performed accounting services for small to medium sized local businesses and completed federal and state tax returns for over 300 clients.