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We help your clients purchase the home they want, build the house of their dreams, or refinance the home they own. Our goal is to help people find what they need as they build their financial freedom.
A little about our company
Getting a mortgage when you purchase a new home or refinancing your existing mortgage shouldn't be complicated. At Shamrock, we take pride in our ability to get you the best loan for your situation. We're accustomed to handling unique loan situations, and our programs are flexible, personalized and successful. A better life through a better mortgage is more than a marketing slogan, it is our mission.
Our consumer friendly website provides you with all of the tools necessary to answer virtually any mortgage question.Trying to decide if now is a good time to refinance?Check out our Refinance Mortgage Calculator.Wondering if a new home equity loan or fixed rate second mortgage can lower your monthly payments?Use our Debt Consolidation Mortgage Calculator.Confused by all the loan programs from which to choose?Our Loan Program page will help you find the right type of loan for YOU.Need a customized quote?It would be our pleasure to prepare a personalized mortgage quote for the home mortgage program of your choice.
We welcome the opportunity to show you what World Class Customer Service at Shamrock Financial Corporation is all about.
A little about me
Spending time with my family and friends
Spending more time with my family and friends
Anything that does not involve "yo yo dog" or "Y'all"
Favorite TV Shows:
Heroes, Whose Line Is It Anyways, Scrubs, Family Guy, American Idol, So You Think You Can Dance, oh and I could watch the news all day long if Amanda would let me.
Anything exciting, scary, funny, or sad.
The Bible; The Tao te Ching; The Success Principles; The Inescapable Love of God; The Purpose Driven Life; The Secret; The Prince; Beyond Good and Evil
You must be the change you wish to see in the world.
We make a living by what we get, but we make a life by what we give.
– Winston Churchill
To the world you may be one person but to one person you may be the world.
Friendship is knowing everything about someone and liking them anyway.
I'm a great believer in luck and I find the harder I work, the more I have of it.
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Success usually comes to those who are too busy to be looking for it.
-Henry David Thoreau
Who I am and what I do
I am originally from Providence, Rhode Island. I moved to upstate New York in the summer of 1994 and attended Averill Park High School. Upon graduating in 1997, I decided to pursue a Bachelor's Degree at the University of Albany.In my junior year I decided to put college on hold to enlist in the United States Marine Corps.
In the Marines I served as a Nuclear, Biological, Chemical Defense Specialist with 2nd, 3rd, and 4th Marine Divisions. In 2005 I returned to college attending Rhode Island College to complete my Bachelor's with a major in Psychology graduating with honors in 2006. While in college I met my future wife Amanda and I married her a year later. We now reside in Providence with our son, Phoenix. I continue to serve his country as a member of the RI Army National Guard and I received my commission as a Lieutenant August 2007.
Beginning my professional career at Franchise Business Brokers Inc. until moving on to become a Mortgage Advisorin 2006. I learned quickly working hard to give my clients the greatest opportunities for success in their Real Estate endeavors.In 2009 I was welcomed to the Shamrock Financial Corporation team; the best of the best in the business.Shamrock Financial is a direct mortgage lender, not a broker meaning my client's files would be under my team's control to approve or deny based on the current guidelines. I recognized the higher level of professionalism and service that Shamrock Financial Corporation maintained and then realized that by becoming part of this team I could better serve his clients. I am thankful to be surrounded by so many incredibly talented and supportive people.
I am excited about my future as the Regional Sales Manager of Shamrock. FinancialMy career is one where I can support my family by helping others purchase the home of their dreams, or refinance to accomplish new financial milestones. I always work with the goal of advising my clients on building financial freedom through Real Estate.I believe that the greatest part of my work is that I can be myself: a normal guy with the talent and skill that allows me to help others while creating life long relationships.
Areas of Expertise
I specialize in helping people find and finance the home they always wanted, build the home of their dreams, or refinance one of their there greatest assets. My goal is to put my clients in a better position as they build their financial freedom. Be it a $79,000 condo or a 1.6 million dollar estate, I put everything I have into getting my clients what they need to find themselves at home. This level of effort shows in the amount of referrals and recommendations I recieve from my clients.
Bad Credit. Not A Problem. Get the home you always wanted without worrying about the financing. You can buy a house without a bank!
With more and more Americans in jeopardy of losing their home I am working with my clients to help them save their home from foreclosure. I also can show you options that can help you avoid bankruptcy and get creditors to stop harassing you.
Give me a call to find out how to get a home with a fixed rate and no money down. If you already own then call me and get a great fixed rate and recieve all the money you need to pay off your credit cards.
I can offer you any number of options to help you accomplish your goals. Call today at (401) 486-6894
To whom it may concern,
It is with great pleasure that I pause to gather my thoughts and enthusiastically recommend Mr. Michael S. Dutra. as a mortgage advisor to any person(s) or business in need of lending services.Undoubtedly failed from the start, I shall attempt herein to convey in print those often “intangibles” that characterize an exceptional business encounter—one that I had the pleasure to experience recently with Mr. Dutra.
After our initial introductions via the telephone (the serendipitous result of networking through an expert realtor we share), I knew that my mortgage needs would be individually crafted and expertly tailored to achieve my specific goals.Immediately, Mike distinguished himself from a myriad of loan officers soliciting my business in that he actually invited me to his office such that we might discuss my pursuit of financing in greater detail!
Early in the consultation I found his patient approach devoid of aggressive selling techniques all too common in his profession.Equally comforting was his esoteric knowledge of the currently emerging lending procedures redefining the rules that once governed the gratuitous banking industry.In short, Mike’s genuine demeanor coupled with the individualized attention I received assuaged any reservations I might have had associated with committing to one mortgage advisor.
Critics often argue that privately meeting with potential borrowers is time consuming if not anachronistic for the requisite mortgage needs in today’s “microwave” society.I adamantly disagree with this premise. Ironically, it was the direct result of the time Michael S. Dutra willingly devoted to ascertain my global investment itinerary that he earned my trust and more importantly my business.In closing, Mike Dutra personifies the best in financial service.It is my strong conviction that as he continues to demonstrate what can only be characterized as atypical behavior within his profession the practice will not only serve him well as he accumulates devoted clientele, but indeed pay dividends well into the future as accolades continue.
Timothy G. McQuesten
You did a fantastic job above and you went way beyond the call of duty to help me refinance my home. With the market the way it is right now and my credit problems you were still able to get me a loan and take care of that huge tax lien on top of it. I am indebted to you. Thank You So Much!
Quote from the manager of three Real Estate Agent Offices I currently assist.
Your Edge over other Loan Officers:
1. Kristen loves you..;) She likes your down to earth approach and non intrusive calls to just say hi and check in on her. She was blown away that you answered your cell phone on a day off with your family.We get voicemail 80% of the time with our current brokers.
2. It is common practise to call a mortgage broker and then wait 2-3 days for a return call. It is even MORE common practise to get into a deal that requires follow up and to sit on the financing aspect for 2-3 weeks with no answers or even a follow up call sometimes. Kristen is actually in the middle of a deal with another mortgage company where she has been waiting 2 months for a resolution to a complicated deal. Although I think she recently just gave you this client... which you must understand is a huge thing for our agents as we have this fierce loyalty to our lenders that live up here due to the subtle peer pressure to work with our neighbor/lenders.
Bottom line is that the market is now very competitive and we want to work for our buyers more than our mortgage brokers-- so a mortgage broker that can help us help our buyers will get our loyalty. We might be "old school" but we value results above all else.
You do have a natural gift for this Michael as you are the only mortgage broker I have even been open to meeting and arranging office visits. Frankly, the others have not impressed me nor have they made me feel like I was the customer. Your persistence without typical 'hard selling', your mindful communications without being intrusive and your unique programs are VERY compelling. We are professionals that LIVE this industry and we recognize the same qualities in the few lenders that share this with us. You have that.
Disclaimer: ActiveRain Corp. does not necessarily endorse the real estate agents, loan officers and brokers listed on this site. These real estate profiles, blogs and blog entries are provided here as a courtesy to our visitors to help them make an informed decision when buying or selling a house. ActiveRain Corp. takes no responsibility for the content in these profiles, that are written by the members of this community.