Helping people make sense of mortgages for 20 years and counting.

Maybe you heard about me from a friend, family member, or trusted advisor. Or maybe you landed here because you’re overwhelmed by mortgage calculators and all the ads for low rates. Whatever your reason, I’m glad you’re here. See, I offer a different (and, I believe, better) approach to one of the biggest financial commitments you’ll ever make in life.

Explore My Approach

Helping people make sense of mortgages for 20 years and counting.

Maybe you heard about me from a friend, family member, or trusted advisor. Or maybe you landed here because you’re overwhelmed by mortgage calculators and all the ads for low rates. Whatever your reason, I’m glad you’re here. See, I offer a different (and, I believe, better) approach to one of the biggest financial commitments you’ll ever make in life.

Explore My Approach

Over the last two decades, I’ve worked with a wide variety of people…

First-time home buyers
Newly divorced women
Young families
Cohabitating couples
Buyers of second homes/vacation homes
Buyers of investment/rental properties
Older couples downsizing
Small business owners/self-employed individuals

See what my clients have to say

May 27, 2020

Value of a Mortgage Broker

Amy Garcia has been a client of Debbie’s for over 10 years. She appreciates the personal touch of a mortgage broker like Debbie compared to the treatment she’s experienced with traditional lenders.

February 29, 2020

A Client’s Refinancing Tale

June 21, 2019

Guidance Beyond Closing

August 10, 2012

Buying a Home in a Hot Market

Why should I work with a mortgage broker anyway?

Since you’re on my site, you’re probably already open to working with a mortgage broker. But maybe a part of you is still wondering if you REALLY need one. Here’s the deal: A great mortgage broker will streamline the process of securing a home loan. If she’s doing her job well, she’ll LISTEN to you. She’ll properly evaluate the marketplace, recommend programs that make sense for your life and financial situation, and explain complex terms. She’ll also manage the loan paperwork, making sure all the proverbial T’s are crossed so that you can successfully close.

Why should I work with a mortgage broker anyway?

Since you’re on my site, you’re probably already open to working with a mortgage broker. But maybe a part of you is still wondering if you REALLY need one. Here’s the deal: A great mortgage broker will streamline the process of securing a home loan. If she’s doing her job well, she’ll LISTEN to you. She’ll properly evaluate the marketplace, recommend programs that make sense for your life and financial situation, and explain complex terms. She’ll also manage the loan paperwork, making sure all the proverbial T’s are crossed so that you can successfully close.

“We’ve had the pleasure of working with Debbie Siegel of Westchester Mortgage in multiple purchase and refinance transactions over the years. Each and every time, Debbie shows us exactly how important it is to work with a mortgage broker rather than a traditional lender.” Read more about this homebuyer’s journey here.

Amy GarciaSharon, MA

“Debbie was super helpful both during the purchase of my home, as well as during my refinance process less than a year later. She is knowledgeable, responsive, and clearly focused on a positive customer experience – quite a remarkable combination. Thanks Debbie!”

James LenzaHolliston, MA

“Deb Siegel is ahead of the pack when it comes to helping clients navigate the tricky waters of mortgage financing. I recommend her highly to anyone looking to buy or refinance a home.” Read more about this homebuyer’s journey here.

Jim WalshWeymouth, MA

“I’ve recommended Debbie to all my friends looking for their first house. When you talk to Debbie, you can tell she is listening to you and trying to figure out the best options for you. We had met with Debbie while we were house hunting to get an idea of what getting a mortgage was like. She went through our finances with us and walked us through every step of the process. She told us what we could probably get approved for, what we could responsibly afford, and what the pros and cons of different loan options were for us. A few months later, I called Debbie on a Sunday night after going to an open house, and she had us approved for a mortgage that we could afford on Monday. We ended up getting our offer accepted on that same Thursday. A few years later when mortgage rates had dropped, she reached out to us to see if she could help us see if it made sense to refinance and, after doing all the legwork herself, saved us $400 a month on our mortgage! She really understands the mortgage business, she gets people, she is incredibly responsive, and she makes sure she understands your situation and your finances so you’re getting a loan that’s right for you. I don’t plan on working with anyone else.”

Drew & BritanyWalpole, MA

“Westchester Mortgage is extremely flexible. They can accomplish things for people that other lenders often cannot. Their access to, and knowledge of, lenders who will be more creative means they can help a wide range of borrowers achieve their goals.”

Dana S.Real Estate Lawyer

“Debbie really listened to us. Other lenders were trying to get us to do crazy loans or just didn’t seem to have the experience to deal with a financial situation that was a little outside the norm. Debbie listened to what we wanted and got the job done…She is so reassuring, patient and responsive. I never had a doubt that we wouldn’t close on time.” Read more about this homebuyer’s journey here.

TriciaMetroWest

“Things were about as stressful and jam packed as they ever get. But I was able to go through Debbie on everything related to the new mortgage. I never had to talk to the lender or the lender’s attorney—all conversations went through Debbie. She went to the closing, had all the paperwork, and made sure that it all went smoothly. It would not have gone that way if I had worked directly with the lender.” Read more about this homebuyer’s journey here.

Kevin JarboeMedfield

“I wanted to refinance and take cash out to buy out my husband, but he was very uncooperative. He demanded unnecessary forms and deliberately held up the process. Debbie was our go between and really minimized tensions. She ‘got it’ and stayed on top of things so I didn’t have to worry about them. Debbie is a person you can rely on. She is down-to-earth, efficient, and just a tremendous help.” Read more about this post-divorce refinancing journey here.

RobertaStoughton

“When we call Debbie, she picks up the phone or returns the call really quickly. We know she can put her fingers on all of our mortgage information immediately. We’ve heard so many nightmare stories from friends who call banks over and over only to get put off or have their paperwork ‘lost’ by someone in a big office somewhere. When we closed on our refinance during a school vacation week, Debbie and the lawyer brought the papers to our house for a weekday morning closing. She knew we had kids at home and wanted to accommodate us. That kind of personal service goes a long way!” Read more about this refinancing journey here.

Hannah and DominicNewton

“Borrowing money for your home can be an incredibly uncomfortable time for many people. It is great to know that there is someone who can walk you through this. Debbie is one of the most responsive people I know. I have never had a client who had trouble reaching her.”

Dana C.Real Estate Attorney

Ready to start?

Contact me now and let’s discuss your situation.

Contact Me

Helping people make sense of mortgages for 20 years and counting.

Helping people make sense of mortgages for 20 years and counting.

See what my clients have to say

Value of a Mortgage Broker

A Client’s Refinancing Tale

Guidance Beyond Closing

Buying a Home in a Hot Market

Why should I work with a mortgage broker anyway?

Why should I work with a mortgage broker anyway?

Recent Newsletters

The Downside of Down Payment Assistance

Playing it Smart in a Volatile Market

The One Thing You Can Do To Avoid Inflation Risks

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