Anne Marie Concemi of Andover, MA has been a mortgage officer since 1987. With close to $1 billion in closed loan volume, she has earned top producer awards, as well as recognition for establishing market share in territories formerly dominated by national lending institutions.
Anne Marie is a graduate of Boston University with a degree in Marketing. Her philosophy about mortgage lending has always centered on people, not numbers. “So many mortgage companies are obsessed with application volume. They believe that the more applications they take, the better their chances of closing more loans. This practice creates a high percentage of mortgage denials. I take more time upfront with each and every borrower. I closely analyze their personal situation so that once their application is in process, I am confident that the loan is going to close. This avoids surprises, disappointment, and, in some instances, loss of financial outlay.”
My Commitment:
“A successful mortgage officer knows that there is no such thing as a 9 to 5 workday. My customers can reach me on my cell phone 24 hours a day, 7 days a week. This commitment has rewarded me with a customer and Realtor referral network that would never think of calling another loan officer with their business. I have reached a point in my career where I can now spend less time marketing myself and more time servicing my clients.”
My Job Makes Your Life Easier:
“Buying a home or refinancing an existing mortgage can be stressful for even the most seasoned borrowers. Our government requires that mortgage paperwork be extensive, and this can be downright overwhelming. I will help you sift through the required disclosures so that you will walk away from your closing feeling confident about the whole process. My borrowers know that I am not comfortable until I know they are.”
Steven A. Sirmaian of Salem, NH has been a mortgage officer since 1986. Steve’s expertise centers on compliance and personnel management. He is committed to sound lending practices with strict adherence to regulatory guidelines. His extensive branch management experience has provided him with exceptional people skills, whether dealing with his staff or the general public.
Unlike many mortgage company owners, Steve possesses both sales experience and “back-of-the-house” knowledge. This balance allows him to confront all issues confidently, quickly, and with little or no hassle for the borrower.
My Commitment:
“Fairness is what drives me. I always try to put myself in someone else’s shoes – whether my customers’ or my staffs’. The mortgage process is not always easy and can be overwhelming for the borrower as well as the processors and underwriters. My goal is to keep everyone working together, in synch, to make the flow of paperwork steady and simple. If my staff is happy then my customers will be happy. This is what keeps our borrowers coming back. They know they are part of a family here and can call anytime and be treated with the respect they deserve.”
MASS. MORTGAGE BROKER LICENSE: #MB4520
LICENSED BY THE NEW HAMPSHIRE BANKING DEPARTMENT
354 Merrimack Street, Sal's Riverwalk, Lawrence, MA, 01843 l TEL (978) 685-9700 l FAX (978) 685-9701
“Anne Marie Concemi provided us with the financing to purchase and renovate our dream home on Cape Cod – not an easy project! She was, and is, always forthright and honest and provides the best rate options. As a rule, we tend not to refer our friends to professionals for fear that they will not have a good experience. Not so with Anne Marie. Our friends are always so thankful to have worked with her, and this certainly reflects on our good advice.”
—Arthur Hagopian, Boston, MA
“Steve Sirmaian carefully analyzed our financing situation and provided us with an excellent solution. The whole staff was professional, knowledgeable and truly first rate. We wholeheartedly recommend First Integrity.”
