About Ron Klein
With 40+ years in the Banking Industry, Ron brings a tremendous set of knowledge and skills beyond just mortgages. Ron joined the mortgage industry in 2006. His outstanding people skills are evidenced by being named a ýConnecticut Top Mortgage Professionalý by Connecticut Magazine for the past three years running. Ron is fluent in the full range of mortgage products as well as Reverse Mortgages. He has processed more than 100 of these loans as a Mortgage Loan Officer. He does not ýsellý these products as much as fully educates clients and their families as to how they work. The final decision is theirs and his extensive experience helps move them through the process. Ron feels that, in all mortgage situations, setting expectations of the client is critical, specifically in the area of required documentation. Each client receives an overview of document requirements so they are comfortable knowing what is to come in the loan process and avoiding ýsurprisesý. ýMy greatest satisfaction comes when homebuyers receive the keys to their new house. Second to that would be the client who has been told repeatedly that they cannot qualify for a loan and we are sitting at the closing table.ý Ron holds a BS in Finance from Central Connecticut State University and is a graduate of the Williams College School of Banking. He is a long time Board member of the United Way of Southington holding various Officer Positions. Having joined Rotary in 1979, he is Past President and has been awarded the Paul Harris Fellowship Award by its members. He has been the Treasurer of the Southington South Little League since 1998 and remains active in the community.
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The competitive edge you need to purchase the home you want. Get a fast approval with options as little as 3% down.
Current mortgage rates
Points:
| Loan Type | Rate | APR | Points | Mo. Payment |
|---|---|---|---|---|
| FHA loan | 6.250% | 7.182% | 0.478 ($1459.10) | $2016.25 |
* Rates current as of 4/15/2025 01:56 pm, provided by Ron Klein, for Hartford County, CT, and are subject to change without notice.
Mortgage rates disclaimers
30 year, 15 year rate assumptions
- Purchase price: $437,500
- Down payment: 20.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 30 day rate lock
- 80.00% LTV ratio
FHA rate assumptions
- Purchase price: $310,880
- Down payment: 3.50%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 96.50% LTV ratio
Jumbo rate assumptions
- Purchase price: $1,200,000
- Down payment: 25.00%
- First Lien Position
- Primary residence
- 760 FICO Score
- 25 day rate lock
- 75.00% LTV ratio
VA rate assumptions
- Purchase price: $400,000
- Down payment: 0.00%
- First Lien Position
- Primary residence
- 680 FICO Score
- 30 day rate lock
- 100.00% LTV ratio
- Must meet eligibility assumptions to qualify
This is NOT a mortgage loan approval or commitment to lend.
The actual fees, costs, and monthly payment on your specific loan transaction may
vary, and may include city, county, or other additional fees and costs. Mortgage rates
are offered exclusively through Rate, Inc. and are subject to change without
notice. The payment amount does not include homeowners' insurance, flood insurance
(if applicable), or property taxes that must be paid in addition to your loan payment.
The displayed Annual Percentage Rate (APR) is a measure of the cost to borrow money
expressed as a yearly percentage. For mortgage loans, excluding home equity lines of
credit, it includes the interest rate plus other charges or fees (such as mortgage
insurance, discount points, and origination charges). These mortgage rates are based
upon a variety of assumptions and conditions, which include a consumer credit score
that may be higher or lower than your individual credit score. Your loan's interest
rate will depend upon the specific characteristics of your loan transaction and your
credit history up to the time of closing. Refinancing may cause finance charges to be
higher over the life of the loan. Rate, Inc. has no affiliation
with the US Department of Housing and Urban Development, the US Department of Veterans
Affairs, the Nevada Department of Veterans Services, the US Department of Agriculture,
or any other government agency.
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Located at 176 Laning Street, Suite 2 Southington CT, 06489