meet the locals

Incorporated in 1986, we are a privately held company and have originated and purchased billions of dollars in residential loans. Licensed in 49 states, our high company production levels and access to sophisticated capital markets enable us to deliver competitively priced products to brokers, retail originators and consumers through retail, wholesale and correspondent business channels.

We are a nationwide direct lender offering a full assortment of residential lending programs, including FHA, VA, USDA, state bond programs, conventional conforming and jumbo loan programs. We are an approved seller/servicer for Fannie Mae, Ginnie Mae and Freddie Mac.

Jim Coffrini is our company’s President, and has steered the company’s vision and success since its inception. In the process, he created one of the industry’s most successful independent mortgage banking firms. Goal-oriented and committed to the firm’s future, Mr. Coffrini built our company on a foundation of quality lending practices, unparalleled service, unquestionable integrity and deep industry knowledge. Very simply put: Promises Made, Promises Kept.

I am a Mortgage Loan Originator with over 25 years in lending experience. I started with Sierra Pacific Mortgage in December 2018. I am a fluent Portuguese speaker which gives me the pleasure of working with a diverse range of clients. My specialty is assisting first time buyers. My favorite part of the job is letting the borrower know once they are approved and clear to close. I can assist with all types of residential financing from conventional to FHA to RI Housing.

Ocean State Coin & Jewelry was founded 35 yrs ago by a father and son, Joe & Michael Fellela. When Joe decided to retire Michael brought his niece Veronica in to learn the business and work by his side. When Michael and his family decided to relocate to warmer weather, Alicja, a watchmaker by trade, and Veronica joined forces to make Ocean State what it is today. You will find Veronica out on the floor helping with purchases, repairs and finding the perfect gift for you to give. Veronica also has a passion for designing custom jewelry. You will usually find Alicja with her head down busy working on all of our watch repairs.

Pannone Lopes Devereaux & O’Gara LLC (PLDO) attorneys are innovators and collaborators with a record of achievement representing clients with the highest level of legal services in a wide range of disciplines and industries. Our full service firm’s success is rooted in its cutting-edge approach to modern legal representation, commitment to teamwork and providing superior service for clients built on respect, responsiveness and efficiency that results in long-lasting relationships. Many of the firm’s attorneys are cross-trained in various and core disciplines, including administrative law, corporate and business law, nonprofit organizations law, municipal law, civil litigation including trust litigation, estate planning and administration, employment law, cyber law, government relations and strategies, special masterships and real estate development and commercial lending. PLDO has offices in Rhode Island, Massachusetts and Florida. For more information, call 401-824-5100 or visit www.pldolaw.com.

Experienced Branch Manager with a demonstrated history of working in the financial services industry for over 25 years. Skilled in all aspects of mortgage lending. Doug is an Envoy Mortgage Renovation Program Certified and an Envoy Mortgage Certified VA Originator, with a strong professional sales background and a bachelor’s degree focused in Business Administration and Management from The University of Rhode Island. I value every client that I come into contact with and treat everyone as a top priority.

My Current clients and past borrowers are always surprised at the clarity and thoroughness of my Mortgage planning approach. In my experience, the real challenge lies in the seeing the big picture and analyzing all the working parts of what is a complicated and sometimes challenging process. By delivering an approachable and through plan of action I help my clients and professional partners manage expectations and clarify the path to their goals, no matter if its first-time home ownership, a second home or investment purchase. Sometimes it’s a simple refinance of an existing home to lower a rate and payment or cash out for home improvements, debt consolidation, or divorce situation.

It is tremendously fulfilling to help my borrowers make good decisions for their specific needs and goals. I know I am successful if I accomplish this for all my borrowers. I am fortunate to have been successful helping thousands of 20 plus years. If you could use an experienced mortgage professional guide you, contact me today for an no cost- no obligation and get acquainted meeting.