Friends of Kevin Newsletter

Subscribe to my newsletter to learn all of my best networking tips

Join Now


Meet Ron Abisi, Senior Mortgage Consultant for Sage Bank



At Sage Bank, we want you to feel confident knowing you have the information you need to make sound financial decisions. Our Home Lending goal is simple: provide you with the best lending options, the most competitive rates, and the highest standards of customer service.


Sage Bank operates Loan Centers throughout New England. Chances are — we have one near you. For a complete listing of Sage Bank Loan Centers click the LOAN AGENTS tab above.

Local loan decisions.

In-house processing, underwriting and closing.

* Apply in person, online, or by telephone.

* Over 125 years of lending experience in New England.

* Flexible. We work with multiple sources to ensureyour interest rate and closing fees are always the most competitive available


Mortgage Lending Services


  • ·          Conventional fixed and adjustable mortgage programs.
  • ·          Home equity line of credit (HELOC) and fixed rate second mortgages.
  • ·          Federal housing administration (FHA) loans including FHA203(K) loans.
  • ·          Private mortgage insurance (PMI) buster program eliminates mortgage insurance with as little as a 10% down payment .
  • ·          Investment property (non-owner occupied) mortgage loans.
  • ·          First-time homebuyer program with as little as a 3.5% down payment.
  • ·          Jumbo program with loans up to $2,500,000 at competitive terms and the choice of either a fixed or adjustable rate mortgage loan.
  • ·          Reverse mortgage specialists – for qualified seniors age 62 and older, we offer FHA insured HECM reverse mortgages.
  • ·          USDA rural housing loan programs
  • ·          VA loans
  • ·          Mass Housing (MHFA) mortgage programs
  • ·          Rehab loans
  • ·          Construction loans

Facts and Statistics on Mortgages





Let Your Neighbor Find the Perfect Mortgage for You


Joann Ellington Can Help You with Your Financial Needs

Whether you’re a consumer, business executive, investor, government agency or not-for-profit organization, we have the financial products to help you save, manage your money, build for the future or protect your assets.

Please stop by the “North Road Chelmsford” office and let me help you with all your financial needs. I look forward to speaking with you.