Our team of lending professionals help you through every step of the mortgage process.

Newtown Savings Bank has Mortgage Bankers ready to help with all of your home financing needs. They can help you get pre-approved as well.

 
Danbury

Lorena Ceballos
Mortgage Loan Officer
Office: 203.364.2983
Cell: 203.300.7276

LCeballos@NSBonline.com
NMLS# 1744441

 
Lorena joined Newtown Savings Bank in 2018.  As a part of the lending team she assists customers with their home financing needs at our Danbury Branch.  She graduated from Western Connecticut State University in 2016 and is a resident of Danbury.
 
Shelton and Trumbull
Vic FVictor A. Falco III
Mortgage Loan Officer
Office: 203.364.2974
VFalco@NSBonline.com
NMLS# 70092



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Vic has over 28 years of residential lending experience in the Mortgage Banking industry. Vic serves our Trumbull, Shelton and White Hills offices. Vic was awarded the Five Star Mortgage Professional Award from Connecticut Magazine from 2016-2020. He is a long time resident of Trumbull, CT.
 
Bridgeport and Shelton
Stephen Joseph Finnegan
Mortgage Loan Officer (CRA)
Office: 203.304.0094
Cell: 203.243.5623  
SFinnegan@NSBonline.com
NMLS# 112008


Steve has worked in the mortgage banking industry for over 34 years as a Loan Originator, Branch Sales Manager and Vice President of Mortgage Lending.  Steve is the immediate past Chairman of the Board of Directors at LifeBridge Community Services in Bridgeport. He also volunteers as a board member at The Bridgeport Field of Dreams Foundation.  Steve is past President of several organizations including Charter Oak Business Group, Fairfield Junior Football, Inc. and Westchester County Co-op and Condo Association. He lives in Fairfield, loves the Miami Dolphins and has two sons.
 
Newtown
Bill HWilliam Robert Hart Jr.
Vice President, Mortgage Loan Officer
Office: 203.364.2939
Cell: 203.655.9641

BHart@NSBonline.com
NMLS# 452754

 

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Bill Hart has been with the Newtown Savings Bank for 22 years. Bill is a top producing, award winning mortgage professional. Bill was awarded the Five Star Mortgage Professional Award from Connecticut Magazine from 2014-2016 and 2020, and was named a Top Residential Loan Originator by the Commercial Record in 2017.
 
New Fairfield / New Milford / Danbury
Photo of James PhilipakosJames Arthur Philipakos 
Mortgage Loan Officer
Office: 203.364.2967
Cell: 203.856.4771 
NMLS# 792410
 
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James has worked locally as a Mortgage Banker for over 15 years, helping buyers and homeowners with their mortgage needs.  James’s also serves as a Board Member for the Northern Fairfield Association of Realtors, Treasurer of Woman’s Council of Realtors and is the President of BNI networking group. He is a member of the Finance Board for the Regional YMCA and proudly serves on the Sherman Housing Commission. James has been recognized as the affiliate of the year by NFCAR and is an active member and graduate of the Leadership Danbury program of the Chamber of Commerce. James is from Danbury and now resides in Sherman.  
 
Oxford, Monroe and Bethel
Photos of Tracy SmithTracey B. Smith
Mortgage Loan Officer
Office: 203.364.2910
Cell: 203.460.4655
TSmith@NSBonline.com
NMLS# 12594


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Tracey has been originating loans for over 20 years. She joined the Bank in 2016 and serves our Oxford, Stony  Hill (Bethel) and Clock Tower (Monroe) offices. Tracey received Connecticut Magazine’s Five Star Mortgage Professional Award from 2012-2014 and 2018-2020. She is a member of the Northern Fairfield County Association of Realtors, the Southbury Business Association, and the Newtown Working Women’s Forum. Tracey attended Central Connecticut State University and resides in Sandy Hook with her family.
 
Southbury and Woodbury

Theresa TTheresa Irene LaRock
Mortgage Loan Officer
Office: 203.364.2951
TLaRock@nsbonline.com
NMLS# 452774



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Theresa has been with Newtown Savings Bank since 2009. Theresa LaRock is based at our Southbury Office on Main Street South in Southbury. Theresa is a long time resident of Southbury and is an active member of the community. She is a member of the Region 15 Parent-Teacher Organization and also serves as both treasurer and Assistant Coach for the Pomperaug High School Varsity Cheerleading team. She is a member of the Heritage Business Network International group. Theresa holds a Bachelor’s from Post University.
 
Hamden and Greater New Haven

Joann PuliscianoJoann Pulisciano
Mortgage Loan Officer
Office: 203.364.2963
JPulisciano@nsbonline.com
NMLS# 756639


 

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Joann has over 25 years of residential lending experience as a mortgage banker. She serves the Greater New Haven County area along with the Business Lending Team located in Hamden. With the vast arrays of mortgage programs available, Joann will work with you to find the right mortgage for your unique situation. She knows you probably have lots of questions, especially if you’re a first-time homebuyer or building a home. Let Joann help you navigate through the process so you can make the right choice for you.
 
Brookfield / Newtown/ New Milford
Tom L
Thomas Craig Lutz
Vice President, Mortgage Loan Officer
Office: 203.364.2970
TLutz@NSBonline.com
NMLS# 452760


 

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Tom has over 30 years of experience in the field of Mortgage Banking. He is currently responsible for residential loan origination in Fairfield and Litchfield Counties. He regularly conducts Mortgage, Credit and Financial Literacy seminars within the community including local high schools for their Personal Finance classes. He also coordinates local Realtor Caravans. Tom was awarded the Five Star Mortgage Professional Award from Connecticut Magazine from 2014-2020.  He was also was named NFCAR's Affiliate of the year in 2013.
 
Bethel and Newtown
Sean R
Sean Reilly
Mortgage Loan Officer
Office: 203.364.2952
Cell: 203.417.2288

SReilly@NSBonline.com
NMLS# 1078186

 

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Sean Reilly joined Newtown Savings Bank in June 2007. Sean is located at both the Dolan Branch in Bethel and the Sand Hill Branch in Newtown. Sean’s past lending experience includes being a Mortgage Closing and Loan Servicing Representative. He is a member of the Knights of Columbus, Bethel Chamber of Commerce and is on the state board for the Connecticut Young Professionals (CTYP). A proud Newtown native, Sean graduated from the University of Connecticut.
 
Danbury
Steve GSteven Joseph Greenberg
Vice President, Mortgage Loan Officer
Office: 203.364.2933
Cell: 203.733.0456

SGreenberg@NSBonline.com
NMLS# 371117

 

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Steve has over 30 years of experience in the Mortgage Banking industry, and was recognized for top mortgage production and operations excellence in 2017. Steve received Connecticut Magazine’s Five Star Mortgage Professional Award from 2016-2018 and 2020. Steve is a Board of Director/Treasurer for the Northern Fairfield County Association of Realtor and has served various other nonprofits including the Ives Concert Park Authority. Steve was a recipient of the Good Samaritan Award for the City of Danbury and was recipient of the Economic Development Award from the Cultural Arts Foundation. Steve is an active member of the Greater Danbury Chamber of Commerce, a speaker and graduate for their Leadership Danbury program. He resides in Danbury.