Our experienced staff is here to serve you.

Danielle Gervais - Sr. Mortgage AdvisorDanielle Gervais - Sr. Mortgage Advisor
NMLS# 13505

Danielle Gervais was born in raised in Warwick, RI. She attended Pilgrim High School and graduated with honors in 1993. With an interest in law, she decided to attend Roger Williams University with an undergraduate degree concentrating in Paralegal Studies and a Minor in Business.

While at Roger Williams University she helped a family friend, who was suing a major Corporation, research a case and find a medical document that awarded a $1.5 million dollar lawsuit. After graduation in 1997, she worked as a Paralegal at some of Rhode Island's top Real Estate Law firms researching titles, clearing titles and performing closings. She quickly worked her way up to management and has 3 years of experience with Real Estate Law.

In 1999, Danielle went to work for Champion Mortgage as a Loan Originator. In speaking with many clients, it didn't take long to realize how rewarding this profession could be. Danielle enjoyed helping her clients' bridge their financial gap and obtain financial freedom.

In 2002, Danielle along with a few of her closest colleagues and friends decided to take the next natural progression in their careers. This was found at Loansnap.com as a Mortgage Advisor. Our new company allowed us to work with numerous lenders and give our clients a more diverse menu of programs.

In 2005, Danielle made the move to Province Mortgage Associates, Inc. Each transition has come with much consideration in efforts to offer her clients the best possible service and mortgage terms. Danielle originates FHA, VA, Conventional, USDA, Reverse, and 203k financing as a Senior Mortgage Advisor. Along with originating mortgages, Danielle is also responsible for training Loan Officers on new products and changes.

In 2007, Danielle and her co-host Paul Zarrella decided it was a good time to get into radio. With all the changes in the Mortgage and Real Estate Industry, radio was the perfect platform to help get the word out. They started on 790 am, each Saturday educating consumers from an "Insiders" perspective.

In March 2010, Danielle and Paul switched over to 630WPRO and 99.7FM. Each Sunday morning, Danielle spends an hour discussing the newest information to hit the streets, helping homeowners build financial wealth through Real Estate.

In May 2014, Danielle decided to branch out and form RI Home and Life with her co-host Sean King heard Sundays at 1 on 630 WPRO and 99.7fm.

Gregg Luddy - Mortgage AdvisorGregg Luddy - Mortgage Advisor
NMLS# 132977

Before joining Province Mortgage Associates, Gregg Luddy had been a Mortgage Advisor for Constitution Mortgage/BCI Financial Mortgage for the past two years. He spent the previous 12 years as an Underwriter/Processor for Constitution Mortgage Company. He brings extensive expertise and understanding of today's complex mortgage processes. He has access to a full menu of products of fixed, variable, FHA, and 203K mortgage products. Gregg works extensively with first time buyers and people looking to refinance their current mortgages.

Gregg grew up in Branford, CT and he has maintained relationships throughout the shoreline to this day. He currently resides in Cheshire.

Kevin Luddy - Sr. Mortgage AdvisorKevin Luddy - Sr. Mortgage Advisor
NMLS# 78481

Kevin began his career after graduating from St. Michael's College and joined Connecticut Savings Bank, and continued his education earning his M.A. in Business Administration from University of New Haven. In 1982 he left the bank and held the position of Branch Manager and Vice President for several top mortgage companies.

Wanting to provide a more personal brand of customer service, Kevin started Constitution Mortgage Co. in Cheshire, CT in 1989. Throughout the years he developed a strong customer base by providing an in depth knowledge of mortgage products and a willingness to go the extra mile for his clients.

In 2010 he merged the company with BCI Financial which expanded his product base to become a full service mortgage operation that offered a full portfolio of mortgage options, all the while maintaining enjoyment in providing professional and personal service to his clients.

He joins Province Mortgage recognizing their commitment to provide state of the art technology and personal customer service whose aim is to make the process of buying a home an exciting and enjoyable process.

Kenneth Penfield - Sr. Mortgage Advisor / Branch ManagerKenneth Penfield - Sr. Mortgage Advisor / Branch Manager
NMLS# 106220

Ken began his banking career more than 30 years ago at a small, hometown bank in Southington, CT where he grew up and raised his family. There, he became vice president of mortgage lending and established a solid reputation as a trusted mortgage advisor. Most recently, Ken managed the Mortgage Department at BCI Financial Mortgage Corporation/Constitution Mortgage, which included numerous mortgage advisors who originate Conventional, FHA, VA, and Reverse Mortgages. Ken led BCI Financial in becoming one of the first financial institutions to offer the Reverse Mortgage product in Connecticut. His experience as a dedicated manager and personable mortgage advisor has allowed him to help many people achieve their dream of home ownership.

Ken resides in Niantic, CT with his wife Jessica, and their dog, Luke.

Susan Rubino - Sr. Mortgage AdvisorSusan Rubino - Sr. Mortgage Advisor
NMLS# 78485

Susan's career in finance spans the past 33 years. She has held positions of Underwriter of Conventional Mortgages, Secondary Marketing Manager and Mortgage Advisor assigned to as many six real estate offices.

She had been with Constitution Mortgage/BCI for 20 years and currently works at Province Mortgage Associates as a Senior Mortgage Advisor. On a day-to-day basis, Susan utilizes her diverse knowledge of mortgage products, computer skills and her great personality to assist clients with their financial needs. As a testament to Susan's ability to achieve success in this ever changing business she receives numerous calls from her former customers when a new purchase or refinance is required.

Susan resides in Plantsville and enjoys UCONN basketball and spending time with her 6 grandchildren.

Michael Savenelli Sr. - Business DevelopmentMichael Savenelli Sr. - Business Development

Mike has been in the credit industry for over 45 years. Prior to joining Province Mortgage Associates he worked BCI as Business Development officer since 2006. Mike also worked as Vice President of the Credit Bureau of Connecticut for 27 years with Marketing as one of his primary areas of responsibility. Mike has been extremely active in the credit industry, including extensive work with many of the trade organizations. Prior to the Credit Bureau, Mike worked for several financial institutions as a lender. Mike feels that "working with financial organizations to assist them in delivering high quality products like Reverse Mortgages is very satisfying."

Mike lives in Wallingford with his wife Pam, and one of the things he loves most in life is spending time with his grandchildren.

Brian Turley - Sr. Mortgage AdvisorBrian Turley - Sr. Mortgage Advisor
NMLS# 568816

Brian has more than 25 years banking experience with Connecticut Bank and Trust (CBT) and Liberty Bank. His experience is in Consumer and Residential Lending. Most recently, Brian was a Mortgage Advisor for BCI Financial Mortgage Corporation/Constitution Mortgage and was responsible for originating Residential Mortgages and Reverse Mortgages, specializing in Reverse Mortgages. Brian's focus is educating customers about the Residential and Reverse Mortgage process and finding the best program for his customers. His personal motto of "always do what is best for the customer and treat them as you would want your own family to be treated" has made for many happy homeowners.

Brian lives in East Windsor, CT with his wife, Karen and two sons Justin and Cameron. He is involved in his community as a member of the Board of Appeals of Assessments, Chamber of Commerce, Travel Director for the East Windsor Soccer Club and also enjoys coaching his son's soccer, basketball and baseball teams.

Compare your Reverse Mortgage options.

Calculate your Reverse Mortgage options.

* Enter your email addressEmail Address

* Enter your question

Equal Housing Lender  Province Mortgage Associates Inc. is a BBB Accredited Business. Click for the BBB Business Review of this Mortgage Brokers in Cheshire CT

Province Mortgage Associates, Inc. NMLS #2861
RI Licensed Mortgage Lender and Broker | MA Licensed Broker and Lender #MC2861, as a broker we arrange, but do not make loans
CT Licensed Mortgage Correspondent Lender | Licensed by the New Hampshire Banking Department
Montana Mortgage Lender License # 2861, Montana Mortgage Broker License #2861