Financing Your Home

Lending Needs

It’s important to have a lender who is highly responsive to you and who guides you carefully through the buying process.   I have had some terrible experiences with non-responsive – or incompetent – loan officers from places like Ocean Bank, Danvers Bank, Mortgage Network, East-West and others.  I have had transactions unable to close because of mistakes made by other lenders, including Bank of America.    I have had lenders unwilling to work with clients who have special circumstances that require extra work.

I am very selective of who I work with.  I expect from my loan officers that they will be available evenings and weekends for clients – when you need them, when we are ready to make an offer and have questions, and when we need to demonstrate your strength as a buyer to sellers.  During the course of a transaction there are a lot of details and deadlines to be attended to, and I stay on top of that.   I need a lender who will get us answers when we need them and recognize the importance of timeliness and accuracy.

You may choose whomever you wish as your lender.  Using your current bank is often not the best choice.   The lenders listed below are among the best in the industry, will take excellent care of you, and do everything in their power to help us through a successful transaction.     In addition, some local banks will provide good service and programs, but steer clear of the very large national banks and the lenders who “bait and switch” you with low rates that you don’t qualify for!



Liz Ryan, Vice President of Mortgage Lending
Guaranteed Rate
10 Liberty St., Suite 411
Danvers, MA  01923



Liz’s philosophy is to listen to each customer’s needs, and respond to those needs efficiently and effectively. She strives to build long-term relationships, so that as your lender, she will be with you each time your life necessitates a home change. Many lenders can ‘get you a loan’. Her goal is to ‘get you the right loan’. She is proud to be a loan officer for Guaranteed Rate and looks forward to fulfilling your home financing needs.

Testimonials about Liz

“I have had countless opportunities to work with Liz and joint clients looking to purchase or refinance their residential real estate. In all such occasions, Liz handled these inherently stressful situations with such a perfect balance of knowledge, courtesy and professionalism. She also came in with highly competitive (if not the best) rates, which is obviously very important in her industry.” May 31, 2011
Christopher Hemsey, Partner, Hemsey Judge, P.C.

“I had the pleasure of working with Liz when I purchased my condominium at the end of 2010. Liz helped me along with the home buying process, specifically on the mortgage side and made sure I stayed on schedule with providing her with the proper paperwork to secure my home loan. She helped get the best fixed rates as well as an affordable mortgage for me as a first-time home buyer. Always with a smile on her face, Liz made my first home purchase less stressful, and I would recommend her to anyone.” July 26, 2011
Christian Tirella

“Liz is the most proffessional and honest loan officer I have met. She enables you to feel at ease in refinancing or securing a home loan. Liz definitely removed the stress from purchasing a home.  I would recommend utilizing Liz and Met Life for any purchasing and refinancing opportunities.” March 24, 2011
Gary Comeau



Bob Pezzella, Evolve Bank & Tust

Newburyport, MA. 01950

Working as a loan officer since 1997, he specializes in residential lending of one to four unit properties, including single family residences, second homes and investment properties.  Product offerings include traditional fixed rate mortgages, adjustable rate mortgages (ARMs), 10 to 30 year amortization periods, conventional and jumbo loans, and the various Government programs including FHA, VA, and USDA Rural Housing.

He prides himself on a thorough analysis of every customer’s needs and goals and takes a consultative, sensitive and sensible approach to each transaction. The basic premise is, given the situation, if it doesn’t make sense for him to do he wouldn’t  recommend it to his clients.  With a bachelor of science degree in wildlife biology and a love of the outdoors Bob enjoys camping, hiking and skiing with his two teens and loving wife of 26+ years.

Testimonials about Bob

“I entered the real estate purchasing scene late in life with absolutely no idea about the process.  Lucky for me – there was Bob Pezzella.  I couldn’t imagine going through the home-buying maze without him!  Bob made the process effortless and seamless.  He is a consummate communicator and has phenomenal follow through – he was in touch and kept me up to speed on everything – even when I asked the same question over and over again.  He never snickered at my ignorance nor tired of my relentless questions.  Bob knows the mortgage/real estate business inside and out.  He also knows customer service.  I recommend him without reservation!”
JLE, Newburyport, MA

“Working with Bob Pezzella and team as a first time home buyer was absolutely better than expected.  Getting a full understanding of what we were looking to accomplish and walking us through each step was a huge help.  If it was not for the extra efforts during a very busy time of year, with all the economic changes, we might not be in the home we wanted. Thanks again for all your help!”
TS, Salem, MA

“Bob, I should have probably done this sooner, but I just wanted to say thanks for making things go so smoothly.  Three sons, three houses, and three mortgages later, it was really nice having your expertise in getting these all done, on time, and without a major problem. Great service.  Oh yes, and very competitive rates too!!  Thanks again!”
GM, Andover, MA