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Andrew Monticone

Senior Loan Officer, NMLS# 16851

Bio

Andrew takes a mortgage planning approach with all his clients to ensure the most effective strategy is in place. Andrew’s number one priority is making sure his clients are 100% satisfied with the mortgage process while offering the most competitive rates and terms in the mortgage industry. Andrew’s strategy, which has remained constant over the years, is to treat each and every client as he would want to be treated himself, recognizing he is only as successful as his last transaction. Andrew has been writing mortgage loans full-time for 16 years and was recognized in 2014, 2015, 2016, 2017, 2018, 2019, and 2020 as the Top 1% of Mortgage Originators in the country by Mortgage Executive Magazine and Top 400 Originators in the country by Scotsman Guide for closed loan volume. Andrew is a graduate of the University of New Hampshire with a B.A. in Communications. Leader Bank is recognized as a premier residential lender in Massachusetts and offers a range of products tailored to meet your home financing needs.

Mortgage Executive – Top 1% Mortgage Originators in 2019

Chairman's Club

 

Scotsman Guide

 

President's Club

NMLS#
16851

Needham Loan Office
160 Gould Street, Suite 205
Needham, MA 02494

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Andrew Monticone was such a great loan officer to work with during the purchase of my first home and I couldn’t recommend him more— he is professional yet makes you feel very comfortable. He would answer emails over weekends, call me when I had more intricate questions, and had such amazing patience with me as I was a first time homebuyer. 10/10 experience!

Olivia M.

Your loan closing website is superb. Our loan officer is efficient, adept at calculations, knows all the numbers by heart, and is always a pleasure to talk to. We had our loan closed in 45 days as advertised. I recommend Leader Bank to anyone who asks me about refinancing. I myself am going to move my checking account to Leader this year, because I assume your checking service is as good as your loan service.

Kevan H.

Andrew was excellent throughout all parts of the loan application process. He responded quickly to inquiries and worked with me to make sure everything was completed within my tight timeframe.

Julia G.

Andrew Monticone was fantastic. I actually work for a bank and was floored at how quickly and efficiently everything was done. I applied over the phone with Andrew, and was called by an appraisal company the following day, and then was cleared to close within a couple weeks. The whole process was seamless. I recommended my brother to Andrew a couple weeks ago. I gave up commission to do so, but my experience (and rate) was such that I felt good about my decision.

Scott K.

Explore the Loan Process

Learn

Learn all you can about the loan process and ask lots of questions.

Apply for Loan

Complete, review, and submit your application. This will set the process in motion.

Connect with a Loan Officer

Your loan officer will reach out to you and review your application with you.

Credit Check & Prequalification

We will assess your credit, income, and assets to quickly determine what loan(s) you qualify for.

Documentation

Paperwork is still a big part of the loan process. We will email you forms to sign and a checklist of documents we’ll need.

Rate Lock & Appraisal

Once we’ve discussed the loan amount, the type of loan, and the rate that’s best for you, it’s time to lock in your rate and order your appraisal.

Underwriting & Approval

Our underwriting team will review and issue a decision detailing any conditions necessary for final loan approval.

Clear to Close

Once we have cleared necessary conditions our underwriting and closing team will make final preparations to close.

Closing

Loan documents are delivered to the closing attorney. The attorney will contact you to arrange a signing.

Funding

Once the signed documents are returned and reviewed, the closing attorney will request a wire transfer of the loan funds.

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