Our Team

Today’s home buyers can work with just about any mortgage lender, anywhere. But that accessibility comes at a price: Online lenders don’t have a vested interest in serving the local community or getting to know the people they work with.
At radius, we do. As a local lender our reputation is incredibly important to us, and we only hire the best.
Our talented and professional loan officers go to great lengths to make themselves available to both customers and partners whenever necessary, offering expert knowledge that they continue to build on at our radius university. To get to know some of our loan officers, read their bios below.

Loan Officer Andria Dolce

Andria Dolce, loan officer – mlo nmls #949919

Branch: Norwell
Cell: 339.235.6107
Fax: 781.616.0660
Web Site

Andria Dolce brings extensive financial experience to her position as a loan officer at radius, helping clients make borrowing decisions that fully support their long-term plans and goals.

Before joining our team, Andria was a junior partner at the Commonwealth Financial Group in Boston, MA, where she oversaw operations management and developed training programs to maximize financial advisors’ sales and client outreach. Before then, she worked in the investments division at Citizens Bank, where she became licensed to practice financial planning.

Awards, Honors & Accolades

Andria graduated from Boston College with a Bachelor of Arts in English literature and a minor in Italian.


Andria and her wife, Kimberly, like to cook, practice yoga and spend time with their three dogs, Kylie, Savannah and Leo.

radius raves for Andria

Happy customers are our best proof that we make the mortgage process better for everybody. Read the success stories and testimonials below, and see how Andria can help you, too!

“I recently had the good fortune and pleasure to work with Andria as we were refinancing a 2 family investment property in Roslindale, MA. Andria was great to work with and I would recommend her and radius financial in a heartbeat.”

— Stephanie A. (email)

“Andria was able to provide us with a timely turnaround, enabling us to receive the low rate we wanted. The electronic communications were highly efficient – all the pre-application paperwork could be viewed securely and electronic signatures were accepted. Even the formal closing process was customer-focused in that the attorney came to our home after work hours to accommodate our schedules.

We were very pleased with our re-finance process executed by Andria and would highly recommend her services to others. Our neighbors are currently working with her and are having a similar positive experience as well.”

— Sandy G. (email)

Loan Officer Bill Asta

Bill Asta, loan officer – mlo nmls #12998

Branch: Norwell
Cell: 781.789.4480
Fax: 781.234.1537

Bill takes a lot of time to learn about his clients’ financial circumstances and life plans to help them make wise decisions that meet fully meet their needs over the long-term.

Bill Asta is a seasoned mortgage professional with more than 26 years’ experience in residential mortgage lending. He brings an established record of success to radius, and is well-versed in all types of mortgage programs, including conventional, FHA, 203(k) and VA loans.

In addition to previous roles as loan officer at Greenpark Mortgage and Commonwealth Mortgage, Bill has served as a branch manager with multiple mortgage banking institutions, including full service branches with Allied Mortgage, Webster Bank/Bristol Mortgage and Northern Mortgage (a division of Jack Conway Real Estate).

Awards, Honors & Accolades

Throughout his career, Bill has been recognized as a top-performer and a President’s Club member. While serving as branch manager at Assurance Mortgage/H&R Block Mortgage for seven years, the branch was consistently recognized as a top-performing location with funding volumes between $50 and $100 million.


Bill lives with his wife, Wendy, in Humarock, MA, and loves spending time by the water.

Loan Officer Bob Melone

Bob Melone, loan officer – mlo nmls #20592

Branch: Norwell
Cell: 781.413.6978
Fax: 781.234.1539
Web Site

Bob Melone entered the mortgage lending industry 10 years ago to become one of radius financial group inc.’s top-performing loan officers.

Before joining the company, Bob was preparing for a career in law enforcement. He served as a combat medic in Afghanistan for a year and, upon his return, waited tables at a local breakfast restaurant while searching for a full-time job. One of his regular customers was Sarah Valentini, president of radius, who thought Bob’s smarts and sense of humor would be a great match for the company. Her instincts proved more than right.

Awards, Accolades & Affiliations

Today, Bob is a consistent Presidents’ Club member, and was ranked by Banker & Tradesman in 2009 as one the industry’s Top 40 Under 40. He was also ranked by Mortgage Executive Magazine as one of the Top 1% of Mortgage Originators in 2013. With a commitment to upfront due diligence, Bob maintains a nearly flawless customer closing record.

Along with being an asset to radius, Bob has become a valued leader in the mortgage industry. He’s been a BNI member for the past eight years, serving as its president in 2011 and 2005. He’s also consistently received multiple awards and recognition for his professional successes and achievements.

Check out a few of Bob’s articles on the radius blog: Time to grab an ARM? and When you’re buying a home, zip your wallet!


In his spare time, Bob plays ice hockey for a winter league. He lives in Hanover, MA, with his wife, Caitlin, and their two children, Maddy and Cam.

Loan Officer Brian SalernoBrian Salerno, loan officer – mlo nmls #17931

Branch: Mansfield
Cell: 508.615.2228
Fax: 781.234.1594
Web Site

Brian Salerno is a Massachusetts-licensed loan officer and has worked in the mortgage industry since 2003. Over the past decade, he’s built a high level of trust and respect among his clients and real estate agents alike, who value his lending knowledge, dedication and attention to detail.

Brian is committed to delivering detailed information and guiding clients at every step. His ultimate goal is to provide a level of service and personalized care that establishes long-term relationships with customers, so that even when their loan is completed, they choose to return to him for their future mortgage needs.

radius raves for Brian

Happy customers are our best proof that we make the mortgage process better for everybody. Read the testimonials below, and see how Brian can help you, too!

“I had the best experience working with Brian Salerno. Brian is an excellent representative of Radius, I would recommend him to anyone.”

— Angela D.  (Facebook, July 2013)

Loan Officer Dan DeMelinDan DeMelin, loan officer – mlo nmls #35121

Branch: Norwell
Cell: 617.816.1123
Fax: 781.616.0686
Web Site

Dan DeMelin has been helping people with their home financing needs since entering the residential mortgage industry nearly 10 years ago. He is well-versed in a wide range of loan programs, including conventional, ARM, Jumbo, FHA, FHA 203(k), VA and USDA loans.

Dan strives to exceed his clients’ expectations, and to ultimately become their trusted, long-term mortgage advisor by finding them loans that truly meet their needs, whether they’re buying a new home or refinancing.

Prior to joining radius, Dan worked at Sage Bank for more than two years. Before then, he served as a loan officer at Poli Mortgage Group in Norwood; Union Capital Mortgage in Braintree; and H&R Block Mortgage in Burlington. He graduated from Bentley University with a Bachelor’s degree in finance.


Today, Dan lives in Randolph, MA, where he enjoys spending time with his family. His interests include boating, playing softball and hockey, and watching Boston sports (especially the Patriots and Bruins).

Loan Officer Dave ViveirosDave Viveiros, loan officer – mlo nmls #22407

Branch: Norwell
Cell: 508.930.2172
Fax: 781.234.1541
Web Site

Dave Viveiros is a leading loan officer with more than 17 years’ experience in the mortgage industry. During his time at radius, he’s consistently offered seasoned guidance and expertise in all aspects of residential mortgage lending, while specializing in condominium and jumbo loans.

Before joining radius, Dave was as a loan officer at First Horizon Home Loans, HomeVest Mortgage and Centerbank Mortgage, which collectively served as building blocks for his continued success and achievements.

Accolades & Affiliations

Dave has consistently been a top performer at radius, receiving the President’s Club award for the past eight years. He was a Business Network International (BNI) member from 1999 to 2009.


Dave is a true foodie. If you want to know where the best restaurants and bars are in and around Boston, he’s your guy.

Loan Officer Donna DiBellaDonna DiBella, loan officer – mlo nmls #19970

Branch: Norwell
Cell: 617.775.6990
Fax: 781.234.1546

Donna DiBella is a seasoned professional with more than 12 years’ expertise in mortgage lending. She’s also a motivated self-starter and entrepreneur, with a solid track record of success in multiple fields.

Donna has consistently delivered value to radius since joining the team in 2009. Before then, she was a branch manager at Universal Mortgage Corporation, and held positions as residential loan officer at Bristol Mortgage in Hanover, MA, and Stanwell Mortgage in Las Vegas, NV. Donna was also a licensed real estate agent for several years, which complements her mortgage expertise.

Prior to entering the residential lending industry, Donna quickly climbed the ranks at Kryptonite Corporation, a locks and security equipment manufacturer, to become a national sales manager servicing accounts throughout North America. During her 12-year tenure, the company more than quadrupled in size.

Accolades & Affiliations

Donna is an active member of the Plymouth & South Shore Board of Realtors® and the Massachusetts Mortgage Bankers Association. She includes the President’s Club among the professional recognition she’s received in past years.


Donna works hard so she can go to St. Maarten (her favorite vacation spot) as often as possible!

radius raves for Donna

Happy customers are our best proof that we make the mortgage process better for everybody. Read clients’ comments about Donna below, and see how she can help you, too!

“Special thanks to Donna DiBella… she’s awesome. Made a daunting process so easy. I will definitely recommend her to anyone going through the mortgage process. She’s the best!”

— Marie S. (email, August 2013)

“It was a pleasure doing business with your Company and Donna DiBella is the “BEST”. Thank you so much”

— Donald S. (Facebook, June 2013)

DJ webD.J. Rogowski, loan officer – mlo nmls #9532

Branch: Mansfield
Cell: 617.835.6021
Fax: 781.234.1545

D.J. Rogowski is a seasoned mortgage professional with more than 15 years’ experience in residential lending. He’s proficient with all types of loan programs, with a particular focus on first-time home buyers, FHA and USDA loans.

D.J.’s current role as a radius loan officer represents his second term with the company. Bringing a wealth of industry and management expertise to our Mansfield office, his return is a welcome one.

Prior to re-joining radius, D.J. was part of a team that launched Mortgage Options, where he served as branch manager; the company was acquired by radius in 2010. Before then, D.J. was a loan officer at GMAC, which served as the foundation for his lending skills and expertise.


D.J. enjoys playing golf and listening to all kinds of music. He lives in Mansfield with his wife, Shanika, and their two children.

radius raves for D.J.

Happy customers are our best proof that we make the mortgage process better for everybody. Read the testimonial below, and see how D.J. can help you, too!

“We used Dj to help us secure our mortgage on our first home he was wonderful. We again used him when we purchased another home 5 yrs later! HIGHLY recommend Radius!!”

 — Heather B.  (Facebook, September 2013)

Loan Officer Fabiana MenezesFabiana Menezes, loan officer – mlo nmls #46862

Branch: Norwell
Cell: 617.901.2044
Fax: 781.234.1548
Web Site

A native of Brasilia, Brazil, Fabiana Menezes moved to the greater Boston area 12 years ago, and remains an active member of the local Brazilian community. She is fluent in Portuguese and Spanish.

Working in the mortgage banking industry for nearly 10 years, Fabiana is a Massachusetts licensed mortgage loan officer specializing in residential loans. She provides consulting on a variety of conventional and government loan products, including conforming, jumbo, Fannie Mae’s HomePath, VA, USDA, FHA, and rehabilitation loans.

Fabiana helps clients maximize their ability to buy a home and achieve their financing goals, offering personalized guidance at every step.

Accolades & Affiliations

A graduate of Boston University and a member of the Alpha Sigma Lambda Society Inductees, Fabiana believes education is part of today’s dynamic and demanding business world, and that professionals must have expertise that’s both broad in scope and highly specialized.

Loan Officer Greg SullivanGreg Sullivan, loan officer – mlo nmls #13001

Branch: Norwell
Cell: 617.851.5168
Fax: 781.234.1593

Greg Sullivan is a seasoned mortgage professional with 27 years’ experience in residential lending. Throughout his career, Greg has been consistently recognized as a top-performer, generating quality loans and service to customers and referral partners alike.


Before joining radius, he was a loan officer at Greenpark Mortgage and Allied Home Mortgage. He also owned and operated his own business, Mainstay Funding.


Greg is an active member of the local community, currently serving as secretary for the nonprofit Hingham Sports Partnership, which works to enhance student athletic programs and facilities.


Greg enjoys spending time with his family, along with traveling, skiing, softball, golf and hockey.

Loan Officer Helia MongiatHelia Mongiat, loan officer – mlo nmls #1146221

Branch: Norwell
Cell: 781.799.8393
Fax: 781.234.1552

Few people know mortgage loans better than Helia Mongiat. While most of our loan officers developed their expertise as loan officers, Helia built hers overseeing loans as a mortgage underwriter and sales manager. In fact, before becoming a radius loan officer, she served as our sales development officer, where she oversaw mortgage lending practices for the entire team of radius loan officers.

Meanwhile, Helia’s extensive experience as an underwriter is an invaluable asset to borrowers. She knows exactly what’s required for them to qualify for a loan and ultimately get them to the closing table.


In total, Helia brings more than 20 years’ experience in the home financing industry. Prior to joining radius, she held mortgage sales and management positions with national and regional mortgage lenders, including Wachovia Mortgage, H&R Block Mortgage and GMAC Mortgage. In each of her roles, she played a leadership role that contributed to the companies’ strong sales and accuracy rates.

Helia graduated from Fisher College with a Bachelor of Science in management.


In her free time, Helia enjoys reading, traveling, bowling, yoga, walking and volunteering.

Loan Officer Jackie PilotteJackie Pilotte, loan officer – mlo nmls #159912

Branch: Bedford, NH
Cell: 603.833.3067
Fax: 781.234.1554

Jackie Pilotte brings more than 35 years’ experience in mortgage lending to radius, where she works as a loan officer at our Bedford, NH, office. Jackie has held various positions at multiple mortgage lending institutions, which have helped build her seasoned skill and expertise.

Before joining radius, Jackie was a loan officer at Countrywide Home Loans and Wells Fargo Home Mortgage. Prior to that, she served as vice president of multiple residential mortgage banks, including Laconia Savings Bank, Banknorth Mortgage Company, Inc. and Farmington National Bank. At all three institutions, she oversaw all aspects of the lending process and managed multiple employees.

Jackie’s initial introduction to the mortgage lending industry began at Rochester Savings Bank, where she was promoted to branch manager, and eventually became a mortgage originator. From there, she served as a mortgage originator at BankEast Savings Bank and Trust.

Jackie also has experience as a contract underwriter at two mortgage insurance companies, and as a business development/closing officer at title services firm.

Accolades & Affiliations

Jackie is an affiliate member of the Strafford County Board of Realtors and past director of Holy Rosary Regional Credit Union in Rochester, NH.


Jackie lives in Farmington, NH.

Brigida webJim Brigida, loan officer – mlo nmls #40038

Branch: Westwood
Cell: 617.312.8933
Fax: 781.616.0657

Jim Brigida is a seasoned mortgage professional, joining radius from Leader Bank, where he spent five and a half years. Jim specializes in conventional, FHA and VA lending, and works closely with real estate agents to help move their buyers through even the most complicated mortgage process.


Jim currently lives in Malden, MA and is the proud father of three children, Elle, Anna-Catherine and Joseph. He studied math at Salem State University.

Loan Officer Jeff PilonJeff Pilon, loan officer – mlo nmls #6496

Branch: Norwell
Cell: 508.922.5232
Fax: 781.234.1557
Web Site

Jeff is a seasoned mortgage executive with more than 20 years’ experience in residential mortgage lending, and has been a consistent top-performing loan officer at radius.

Before coming to radius in 2009, Jeff was an owner and business partner at EAI Mortgage Group, a full-service mortgage brokerage, where he oversaw a $50-60 million office branch and managed a team of production, marketing and processing staff.

Jeff played a similar role as branch manager at Alliance Home Mortgage, another national full-service residential mortgage company, where he oversaw operations of a $100 million branch office and brokered conforming and non-conforming loans to wholesale lenders, annually securing 400 to 500 loans.

Before then, Jeff was an origination manager at Old Colony Mortgage Corporation for nine years. His professional career began at Atlantic West Mortgage Corporation as a mortgage originator.

Accolades & Affiliations

Jeff has been a President’s Club member since joining radius in 2008. He’s also a member of the Massachusetts Mortgage Broker Association, Florida Association of Mortgage Brokers, National Association of Mortgage Brokers, Plymouth Area Chamber of Commerce, and the Plymouth & South Shore Association of Realtors®.


Jeff enjoys all outdoor activities with his family, as well as motorcycle riding, hunting and fishing.

Loan Officer Jessica DiPietroJessica DiPietro, loan officer – mlo nmls #704473

Branch: West Springfield
Cell: 413.230.6484
Fax: 781.234.1596

Jessica DiPietro has 15 years’ experience in residential lending. Throughout her career, Jessica has been consistently recognized as a top-performer, generating quality loans and service to customers and referral partners alike. Jessica takes particular care to build strong relationships with clients, making sure to be as available as possible and to fully educate clients to help them make smart, informed decisions.


Before joining radius, she was a loan officer at Santander for eight years. Jessica has also worked at Secured Funding and Southstar Funding. She started her career at Greentree Financial.


Jessica currently lives in Easthampton with her wife, Alicia, and two miniature-schnauzers, Cammy and Veda. In her spare time she enjoys gardening, bicycling, cooking, creating art and drawing – there is a tin man on her front lawn that she created!

Loan Officer John AlexopoulosJohn Alexopoulos, loan officer – mlo nmls #252572

Branch: Norwell
Cell: 617.697.1306
Fax: 781.234.1559
Web Site

John Alexopoulos has worked in the mortgage lending industry for nearly 20 years, and has been a valued asset to radius since 2010. As a seasoned professional with extensive lending expertise, John has consistently helped individual borrowers get home loans that fully meet their home financing needs.

Before joining our team, John held senior loan officer positions at Bank of America, Countrywide Home Loans and Wells Fargo Home Mortgage, and was vice president of home Loans at Sallie Mae. He has also served as a loan officer at North America, Chase Manhattan Mortgage and Huntington Mortgage.

Loan Officer John HodgsonJohn Hodgson, branch manager – mlo nmls #704338

Branch: Orleans
Cell: 774.722.9121
Fax: 781.616.0662

John Hodgson is a seasoned sales executive with a solid track record in the mortgage lending industry, and serves as the primary contact for the radius office in Orleans, MA.

Before joining radius as a loan officer, John was a residential loan officer at JP Morgan Chase. Before then, he held senior level positions at Sovereign and Eastern Banks, where he developed long-lasting relationships among referral partners and borrowers alike, and earned consistent recognition as a top performer.

Prior to entering the mortgage industry, John served as vice president of sales for CNA, a risk management firm in Chicago, IL, where he sold and negotiated risk management contracts to Fortune 500 companies.


For the past five years, John has served on the Orleans Finance Committee, and was elected to the Orleans Board of Selectmen in May 2012.


John enjoys spending time with his wife and four children, Katrina, Mike, Patrick and Trevor in Orleans, MA, where they’ve lived for nearly 20 years.

Loan Officer Kate CroganKate Crogan, loan officer – mlo nmls #886074

Branch: West Springfield
Cell: 413.313.5479
Fax: 781.234.1582

Kate Crogan has three years’ experience in residential lending. Most recently, she was a customer service representative before being promoted to a financial services representative at TD Bank in Chicopee, MA where she was responsible for first and second mortgages, insurance and annuities. She’s passionate about helping people realize their dream of homeownership.


Kate is currently studying business at Western New England University. She resides in Springfield, MA and in her spare time she enjoys being active — CrossFit, running, biking and swimming are her favorite activities.

Loan Officer Ken KozakKen Kozak, loan officer – mlo nmls #33310

Branch: Waltham
Cell: 617.285.9719
Fax: 781.616.0672

Ken Kozak has more than a decade’s experience in residential lending. Throughout his career, he’s has been consistently recognized as a top-performer, generating quality loans and providing an excellent level of customer service. Ken works to effectively and proactively develop strong relationships with customers and referral partners alike.


Ken began his career as a loan officer at HSBC back in 2002, holding multiple positions such as loan officer, assistant branch manager and branch manager. He joins radius from Poli Mortgage Group, where he worked for almost 5 years as a loan officer.


Ken currently lives in Canton, MA and is the proud father to his daughter, Olivia (7). He is an avid golfer and still loves to play ice hockey a few nights a week.

Loan Officer Kim BonomiKimberly Bonomi, loan officer – mlo nmls  22412

Branch: Norwell
Cell: 508.737.5363
Fax: 781.234.1565

Kim Bonomi is a seasoned professional with more than 15 years’ experience in residential mortgage lending. She is one of the original 13 employees who helped launch radius financial group inc. in 1999, and has consistently been a top-producing loan officer since then.

Before joining radius, Kim was a loan officer at GMAC Mortgage, which served as the founda­tion for her lending expertise. It’s also where she met and learned from Sarah Valentini and Keith Polaski, principals at radius.

Prior to entering the mortgage industry, Kim was an interior designer for 20 years, specializing in ceramic tile; she successfully ran her own tile shop for some 10 years. From there, she transitioned to mortgage lending with the goal of supporting people’s home lives in a new, more expansive capacity.


Kim lives in Marstons Mills, MA, with her husband and their dogs and horses.

radius raves for Kim

Happy customers are our best proof that we make the mortgage process better for everybody. Read clients’ comments about Kim below, and see how she can help you, too!

“Two of my children went through Radius Financial Group for their mortgages. Kimberly Bonomi from the Radius team was extremely helpful in explaining the step by step process to my children as they were both first time homebuyers. If asked by future clients as to who they should speak to regarding mortgage information I will be recommending Radius Financial Group for professional services.”

– Suzanne S. (Facebook, June 2013)

Loan Office Kimberly MocciaKimberly Moccia, loan officer – mlo nmls #20356

Branch: Norwell
Cell: 617.827.7767
Fax: 781.234.1566

Kimberly Moccia is a seasoned professional with 30 years’ experience in residential lending, with expertise in all aspects of mortgage banking, from underwriting and management to processing and closing.

Over the past 23 years, Kimberly has been a valued loan officer at multiple lending institutions, including Fairway Mortgage, Mortgage Financial, Universal Mortgage, Stanwell Mortgage, Norwest Mortgage (now Wells Fargo) and Farragut Mortgage. Throughout her career, she has consistently delivered personalized customer service and attention to her clients, keeping them informed about the latest trends in home buying and refinancing, while helping them reach their short- and long-term financial goals in today’s ever-changing markets.

Kimberly’s start in the mortgage industry began as a book keeper and processor at Multi-Bank Mortgage in Quincy, MA, when she was 18 years old. By the time she turned 21, she was responsible for nearly 20 employees, managing all the company’s processing, closing and shipping functions.

Today, as a radius loan officer, Kimberly continues to guide and support her clients’ needs at every turn, with a particular focus on first-time homebuyers and FHA loan candidates.

Kimberly has been awarded President’s Club status multiple times during her professional career. She’s been a Plymouth and South Shore Association of Realtors (PASS) member since 1989.

She is a New England Banking Institute graduate, and majored in finance at Northeastern University in Boston, MA.

Loan Officer Kimberly ProvostKimberly Provost, loan officer – mlo nmls #511118

Branch: West Springfield
Cell: 413.537.1852
Fax: 781.616.0663
Web Site

Kimberly Provost is a seasoned professional who brings a wealth of experience, knowledge and enthusiasm to her work. She works from our West Springfield office, which opened in 2012.

Kimberly began her career as an account executive at Household Finance, and quickly realized she’d found the right career, helping people fulfill their dreams of home ownership. She continued to serve as a regional manager there for 12 years.

From there, Kimberly was a loan officer at Countrywide Home Loans for six years, and a senior mortgage lending officer at Sovereign Bank for six more. She graduated with a Bachelor’s of Business and Marketing from Radford University in Radford, VA, in 1991.


Kimberly lives in Western Massachusetts with her two children, ages 14 and 11. She enjoys boating, hiking and skiing, with a love of New England’s beaches, lakes and mountains.

radius raves for Kimberly

Happy customers are our best proof that we make the mortgage process better for everybody. Read clients’ comments about Kimberly below, and see how she can help you, too!

“Just wanted to reach out and thank each one of you for helping make my first home purchase an extremely smooth one. At no time during this whole transaction did I feel like I was being pressured to do anything, and everything I needed to know or do was brought to my attention without hesitation. THANK YOU to the whole team.”

— Andrew C. (email, October  2013)

Loan Office Michael KellyMichael Kelly, loan officer – mlo nmls #4406

Branch: Norwell
Cell: 781.799.9799
Fax: 781.234.1575

Michael Kelly is a seasoned professional with nearly 25 years’ experience in mortgage lending, and has been a loan officer at radius financial group inc. since 2009.

Prior to joining the radius team, Michael started and owned Massachusetts Bay Mortgage Corporation, a brokerage that delivered high quality lending products to South Shore customers for nine years. Before then, he was an area manager at People’s Mortgage Corporation, a residential lending service created by People’s Savings Bank.

His industry experience and expertise began at GMAC, where he served as branch manager for the company’s Weymouth office.


Before entering the mortgage industry, Michael worked in the medical technology field for nine years, specializing in hematology at Suburban Hospital in Washington, D.C.

Loan Officer Nora MacKayNora MacKay, branch manager – mlo nmls #704479

Branch: West Springfield
Cell: 413.348.7372
Fax: 781.234.1533
Web Site

Nora MacKay is a seasoned mortgage lending professional, and serves as branch manager for radius financial group inc.’s West Springfield office.

Nora previously worked at Sovereign Bank, quickly climbing the ranks to become regional sales manager, covering Connecticut and Western Massachusetts. Prior to entering the mortgage industry as an external loan officer at Countrywide Home Loans, she was a real estate broker for five years.

Nora initially developed a career in public relations and communications, receiving a Master of Public Administration and a Bachelor of Arts in journalism from the University of Massachusetts at Amherst (UMASS). Her roles included director of political outreach at UMASS, press secretary for a U.S. Congressman, and director of community relations at Westover Air Force in Chicopee, MA.


Nora lives in Holyoke, MA, and enjoys spending time with her dog, Pumpkin.

radius raves for Nora

Happy customers are our best proof that we make the mortgage process better for everybody. Read clients’ comments about Nora below, and see how she can help you, too!

“WOW. My hat comes off for you. You did a fabulous job in the face of all odds. Thank you!!”

— Larry M., REALTOR® (October 2013)

“I would just like to say that you ROCK!!! And I will tell everyone. Thank you so much for all your hard work and dedication. It’s people like you who make a difference in this challenging business!!”

— Christina G., REALTOR® (October 2013)

“Pretty amazing job you and the radius underwriting staff did on Thursday. Getting a loan cleared to close and actually close on the same day is unheard of. Great job!”

— Timothy R., Attorney (October 2013)

PAULwebPaul Hurley, loan officer – mlo nmls #21455

Branch: Waltham
Cell: 774.217.1359
Fax: 781.616.0659

Paul Hurley is a seasoned mortgage professional with over 15 years’ experience in the mortgage lending industry. His passion is delivering an extraordinary level of service to each and every one of his clients, from application through closing and beyond. By educating people on the various mortgage options available in today’s complicated lending environment, Paul helps them make smart, informed decisions that best meet their specific financial goals.

Well-versed in a wide range of loan programs including conventional, jumbo, FHA, VA, USDA, and renovation loan programs, Paul is equally comfortable working with first-time and seasoned buyers, as well as borrowers seeking second homes or investment properties. Paul sets clear expectations upfront and provides consistent communication throughout the loan process.


Prior to joining radius, Paul held loan officer positions at GMH Mortgage, GMAC Mortgage, Mortgage Master and Wells Fargo. He began his professional career in the mutual fund industry and worked for several top financial firms in Boston. Always interested in the real estate field, Paul obtained his real estate license in 1996 and worked as a real estate agent for two years before transitioning to the mortgage industry in 1998. Paul graduated from Bryant University with a Bachelor’s Degree in Business Administration in 1987.


Today, Paul lives with his wife and two daughters in Hopedale, MA, where he’s involved in coaching youth softball and basketball. When time allows, he enjoys spending time with his family on Cape Cod.

Loan Officer P.J. SowdenP.J. Sowden, loan officer – mlo nmls #22413

Branch: Norwell
Cell: 781.789.3785
Fax: 781.234.1534

With over 10 years’ experience in mortgage banking, P.J. is a highly regarded mortgage professional throughout Massachusetts. P.J. is an active member of his community, a member of the Plymouth and South Shore Board of Realtors and the Massachusetts Mortgage Bankers Association.

Stephen Kilcoyne, loan officer – mlo nmls #40901

Branch: Waltham
Cell: 781.883.5838
Fax: 781.234.1584

Steve Kilcoyne has been a loan officer at radius financial group inc. for the past two years.

Prior to joining the radius team, Steve built a solid foundation in residential mortgage lending as a loan officer at Mortgage Options of America. While there, he played an active role in the company’s growth from two to more than 150 employees over a twelve-year period.

Awards & Accolades

Steve received the Fred Sullivan award from the Boys and Girls Club of Charlestown for his community service.


Steve is an avid golfer, and has qualified five times for the Massachusetts State Amateur Golf Tournament. He was also an all-New England collegiate golfer. He lives with his wife, Donna, and their three children, Stephen Jr., Jack and Mallory.

Loan Officer Steve SmestadSteve Smestad, loan officer – mlo nmls #39758

Branch: Bedford, NH
Cell: 603.781.0083
Fax: 781.234.1587

Steve brings over 20 years of residential mortgage lending experience and is well known in the community for his extensive mortgage knowledge and dedication to excellence. Commitment to sound financial advice, excellent customer service and customized mortgage lending is his benchmark.

Loan Officer Stuart FryeStuart Frye, loan officer – mlo nmls #160445

Branch: Bedford, NH
Cell: 603.770.6400
Fax: 781.234.1583

Stuart Frye has worked in residential mortgage lending for the past seven years. His professional background certainly isn’t typical for a loan officer, but it ultimately brought him where he is today, and satisfies his continued passion for helping people.

From 1984 to 1987, Stuart was a professional ice hockey player in the Boston Bruins Professional Hockey Club Organization.

After retiring from the Bruins, Stuart founded and operated Northwood Inn Antiques for nearly 20 years. During that time, Stuart became a part-time mortgage loan officer, which served as his introduction to the residential lending industry. After selling his antiques dealing business, he became a full-time loan officer at First Metropolitan Mortgage, then at Preferred Mortgage a few years later.

Meanwhile, Stuart continues to be actively involved in the ice hockey community, serving as a Boston Bruins alumnus and charity event player. He also coaches high school hockey in New Hampshire and is the goaltending coach for the University of New Hampshire women’s hockey program. He also volunteers as an instructor for various schools and youth hockey organizations.

Awards, Accolades & Affiliations

Along with his church activities, Stuart is an active member of the Seacoast Amateur of New Hampshire golf committee and serves as an elected member of the Board of Governors at Wentworth by the Sea Country Club. He also served as chairman on the Portsmouth Christian Academy’s (PCA) auction committee for 12 years, where he grew the annual event into the school’s largest fundraiser, raising more than $1 million for PCA’s scholarship fund. He served on the PCA’s development committee as well.


Stuart lives in Northwood, NH, with his wife and two children, Kala and Curtis.

Loan Officer Tim BeaudoinTim Beaudoin, loan officer – mlo nmls #11850

Branch: Bedford, NH
Cell: 603.818.2245
Fax: 781-616-0669

After living in southern Florida for the past several years, Tim Beaudoin recently returned to New England and joined the radius team as loan officer in its Bedford, NH, office.

Tim is a seasoned loan officer with 16 years’ experience in the industry, and was a top producer nationwide at GMAC Mortgage for more than a decade. He began his residential lending career at Beneficial Finance, where he eventually became branch manager for their Greenfield, MA, office.

Awards, Accolades & Affiliations

Tim is a member of the Eastern Middlesex Association of REALTORS® (EMAR). He was a President’s Club member at GMAC mortgage from 1997 to 2008, nationally ranking #1 in 1998 and #4 in 1999.


In his spare time, Tim enjoys golf, travel, reading and football, along with anything related to the middle ages, time travel and mythology.

Loan Officer Todd BelhamTodd Belham, branch manager – mlo nmls #22414

Branch: Mansfield
Cell: 508.320.5308
Fax: 781.234.1532

Todd Belham is a seasoned professional with nearly 15 years’ experience in residential mortgage lending. He is one of the original 13 employees who helped launch radius financial group inc. in 1999, and has consistently been a top-producing loan officer since then.


Before joining radius, Todd was a loan officer at GMAC Mortgage, which served as the foundation for his expertise in the residential mortgage lending industry. It’s also where he met and worked with radius Principals Sarah Valentini and Keith Polaski.

Prior to entering the mortgage lending industry, Todd was a partner at a company that manufactured electroplating equipment and eventually diversified into electrostatic powder-coating.


Many years ago, Todd worked as a corrections counselor at the Massachusetts Department of Corrections.

Loan Officer Tom HigginsTom Higgins, branch manager – mlo nmls #40080

Branch: Waltham
Cell: 781.789.9436
Fax: 781.234.6578
Web Site

A fan of social justice, Tom Higgins regularly contributes to social issues that help ensure we leave the world a better place than we found it. That includes housing. With a focus on FHA, conventional and jumbo loans, he works to make sure his clients receive the best care and home buying experience possible.

Tom has been a mortgage professional for more than a decade, helping hundreds of individuals and families buy homes in communities throughout Boston & New Hampshire. Before joining radius as the branch manager for its Westwood office, he was a top-performing loan officer at GMAC and Wells Fargo.


Tom is an active Waltham YMCA Board Member and a Master Free Mason.


Tom is a husband and proud father of three children. In his free time, he’s an avid fisherman from the shore or boat and enjoys woodworking.

radius raves for Tom

Happy customers are our best proof that we make the mortgage process better for everybody. Read clients’ comments about Tom below, and see how she can help you, too!

“It was a true pleasure working with Tom Higgins and his team, especially, Michele, @ radius financial group in getting our mortgage for our new home in Mass. They possess all the great qualities that you wish to see in your financial institution, but rarely find. Extremely professional, fast and prompt, responsive, and most importantly meticulous and friendly. They definitely made our experience of buying our dream home a very pleasant one. Thanks a ton…..”

— Sumit S. (Facebook, September 2013)

“Communicate[d] through the entire process and [went] over details.”

— Deb. B

“Tom is incredibly approachable, extremely helpful and willing to help at any time, any way he can.”

— Chris P.

“Tom Higgins is quite brilliant! It’s the second home he’s helped me with. He is dedicated, conscientious and great at communicating.”

— Suneel D.

“I was impressed with the professionalism, care and speed in which my loan was handled.  I felt like I was their only customer!”

— Tracey M.

“Getting a loan approved on time without any problems!”

— Shrimati B.

“Team work – I was always informed of all changes/requirements.”

— Shawn H.

“All services overall were great.”

— Ada G.

“My wife and I recently sold and purchased a home and Tom Higgins was instrumental throughout the process.  He has always been fantastic as a sounding board when we needed real estate centric advice and he really came through this time.  Tom and Radius worked tirelessly to help pull off selling and purchasing our homes, which got complicated at times, going so far as to work to get loans quickly for some of our buyers when their banks fell through so we could meet our home sale contingency.  Their no closing cost option worked great for us and the rate we locked was competitive.  Tom went out of his way to come to our closing and I look forward to working with him and radius on our next purchase.”

— Chris P.

Kane webVanessa Kane, loan officer – mlo nmls #287711

Branch: Norwell
Cell: 339.236.5162
Fax: 781.234.1558

Vanessa has been in the residential lending business since 2010, where she started as a loan processor and then a loan officer assistant. As a loan officer, Vanessa loves guiding customers on their borrowing journey and she does so with pleasure, confidence and flair. She leads clients through the mortgage maze with precision, scouring guidelines to find the missing piece that will make the deal work! Making customers happy is a badge of honor and she wears it proudly, wholeheartedly embodying the radius brand promise of Making Mortgages Better.


Aside from mortgages, Vanessa’s passion is the power of positive thinking. radius employees enjoy a daily email from Vanessa containing a motivating and inspiring quote. Vanessa loves her town, the small seaside town of Hull. She enjoys it for too many reasons to list, one being the strong sense of community it offers Vanessa and her family. In fact, Vanessa has recently become a member of the Hull Nantasket Chamber of Commerce.

Fun Fact: Many years ago, Vanessa was a Laser Artist and operated the Laser Shows at the Boston Museum of Science.

radius raves for Vanessa

Happy customers are our best proof that we make the mortgage process better for everybody. Read the success stories and testimonials below, and see how Vanessa can help you, too!

“Vanessa, I don’t usually refer out to anyone. But you are organized and on top of your pipeline and a straight shooter…I see that.”

— Wilma Q.

“Vanessa, we appreciate your outstanding work.Thank you.”

— Josephine M.

“…let Vanessa know how much I appreciate her work and how she went to bat for my buyers at a time when I was just about ready to lose it.  She was dead-on right in responding the way she did and I think she deserves a lot of credit for getting the sellers to move in the right direction.
You are lucky to have her in your team!
I wish ALL my deals were handled by you and Radius!”

— Carlos L.

“Thanks, Vanessa you are a great guiding spirit in this jungle.”

— Marilynn N.

“Thank you I can count on you to give me piece of mind.”

— Maria B.

“In June 2014 I applied for a residential mortgage for my first home at Radius Financial Group. During the process I had the great pleasure of working with Vanessa Kane for all of the document collection and everything else required for the mortgage application process. There were times when it seemed that this just wasn’t going to work out, but Vanessa never gave up. She stayed in very close contact with me, was very encouraging and did everything in her power to see that I was able to fulfill my dream of owning a home. Without Vanessa’s assistance I’m not sure I would be sitting in my home office at this very moment writing this email! Thank you, Vanessa, for all you did for me.”

— Lisa B.

Loan Officer Yana SteinYana Stein, loan officer – mlo nmls #9271

Branch: West Springfield
Cell: 413.531.8573
Fax: 781.616.0656

Yana Stein is a loan officer at our West Springfield office, and has worked in the mortgage lending industry for nearly a decade.

Yana was a loan officer at Mortgage Network and a mortgage broker at Ryan Mortgage. Before then, she owned her own mortgage brokerage, which predominantly serviced Russian-speaking residents in western Massachusetts. Prior to entering the mortgage industry, she was a computer programmer for about 10 years.


In 1989, Yana emigrated from Azerbaijan, Russia, to the U.S to build a better life for herself and her family; she lives in Longmeadow, MA.