Elsa has been in the lending business for over 25 years in resale and new construction. She consistently stays up to speed with all the current programs and guidelines to remain competitive in this dynamic industry. Her expertise is in analyzing complex tax returns, business tax returns, and structuring loans. She works with each of her clients to provide precise mortgage information and help families become more innovative and responsible homeowners. In her spare time, she likes to spend time with her family, go on bike rides, and attend her kids’ gymnastic competitions and baseball games.

Richard Spadola is a seasoned Mortgage Loan Originator with over 25 years of experience helping clients achieve the dream of homeownership. Throughout his career, he has specialized in guiding borrowers through every step of the mortgage process with personalized service, clear communication, and a deep understanding of a wide range of loan programs and products. He is passionate about building lasting relationships with his clients and partners, and he takes great pride in making the home buying journey as smooth and stress-free as possible. With extensive industry knowledge and a commitment to excellence, he is dedicated to helping individuals and families find financing solutions that best fits their needs.