Homestar Mortgage

Stephen Tetzner

Stephen Tetzner

Phone: 401-454-3300 x101
Mobile: 401-447-4367

Locations: Rhode Island, Massachusetts

NMLS# 4358

America's Top 1% Mortage Originators

Biography - With over 23 years of experience and over $1 billion in overall mortgage volume, Stephen Tetzner is a recognized leader in the mortgage industry.  He is a founding partner of Homestar Mortgage, which he began with his father, Carl over 20 years ago.  He was recently ranked the number one mortgage originator in Rhode Island, and is the 29th most successful loan producer nationwide.  He was recognized by Top Agent Magazine as a Top Mortgage Professional in 2015. Steve is currently president of the RI Mortgage Bankers Association, and has served on its Board of Directors for seven years.

As chair of the RI Mortgage Bankers Association’s Legislative Committee, Steve was personally involved in the drafting of language regarding loan officer licensing, and was instrumental in creating the landmark predatory lending legislation.  He is a regular contributor to Real Estate Insights on 920 WHJJ and is an active member of the Narragansett Lions Club.  Steve studied Finance at the University of Rhode Island and is active in several charitable organizations, including the Toys for Tots Program and the Rhode Island Community Food Bank.

Charles Adams

Phone: 401-454-3300 x116
Mobile: 401-932-8899
Locations: Rhode Island, Massachusetts, Connecticut

NMLS# 4661

Top Mortgage Professionals in Rhode Island 2014
Top Mortgage Professionals in RI 2014

Biography - Charles Adams continues to use his expert people skills in his job as a loan originator for Homestar Mortgage, where he has worked for over 18 years. During his tenure, Charles has helped hundreds of clients to obtain loans to purchase property and to refinance mortgages. Charles can be contacted at 401-932-8899 or

Adam Ethier

Phone: 401-454-3300 x117
Mobile: 401-954-4757
Locations: Rhode Island

NMLS# 4666

Biography - Adam Ethier started working at Homestar as a loan officer and mortgage originator in March 2005. Previously, he was a budget analyst and cost accountant for the finance division of Blue Cross and Blue Shield of Rhode Island. He specializes in customizing mortgage solutions and working with first-time homebuyers to find options for low down payments. Adam is a licensed mortgage originator in Rhode Island, Massachusetts and Florida. He has a bachelorís degree in accounting from the University of Rhode Island and resides in Coventry. Adam is a member of the South Kingstown Chamber of Commerce, an affiliate member of the Newport County Board of Realtors and Kent-Washington County Association of Realtors and a committee member of the URI Alumni Association. He enjoys traveling and boating. Adam works out of our Providence office.

Karen Flynn

Office: 401.454.3300, ext. 131
Cell: 401.487.1968
NMLS #571256

Biography - Karen Flynn joined Homestar as a Senior Mortgage Loan Officer with over 30 years in the financial services industry, including 10 years in residential mortgage lending. In addition to her professional experience, Karen has been named a Five Star Mortgage Professional for the last eight years (2011-2018), and is a member of Leadership Rhode Island's 2015 LAMBDA II Class. Karen holds an MBA and Certificate of Advanced Graduate Studies in Finance from Bryant University. She graduated from Providence College and is a Past President of the Providence College National Alumni Association Council. She and her family reside in North Kingstown, RI.

Dennis Hughes

Dennis Hughes


Mobile: 401-440-5989
Fax: 401-633-6149
NMLS #: 21027

Biography - Dennis has over 31 years of experience in the mortgage industry and is excited to be putting that knowledge to work for the clients of Homestar Mortgage. He has worked with thousands of homeowners, many of whom are repeat customers, and has an in-depth knowledge of FHA, conventional, VA and Rhode Island Housing loans. Dennis is one of Rhode Island Housings top loan officer partners and is a repeat Five Star Mortgage Professional award winner. Dennis graduated from SUNY Cortland with a Bachelors degree in Economics. He resides in Barrington, Rhode Island.

Michael Mendonca

Phone: 401-454-3300 x112
Mobile: 401-749-3131
Locations: Rhode Island
NMLS# 4699

Biography - A trusted Mortgage Professional for over 20 years, Michael Mendonca is a Senior Mortgage Officer with Homestar Mortgage. Experienced in every stage of the Mortgage process, he enjoys using this experience to help provide exceptional customer service to his loyal clients. Whether you’re a first-time home buyer, investor or planning a move that’s right for you, he offers a wide variety of loan programs to help you on the path to your dream home. A lifelong resident of the East Bay, Michael grew up in Bristol, graduating from Roger Williams University with a Bachelors’ Degree. He currently resides in Barrington with his wife and 2 sons, and enjoys golfing, fishing & soccer. Licensed in RI, MA, CT & FL.

Patricia Ruggiero

Phone: 401-454-3300
Locations: Rhode Island
NLMS# 14972

Biography - As a mortgage originator for Homestar Mortgage, Patricia specializes in financing for first-time homebuyers. She has over 37 years of experience in the mortgage industry and has extensive knowledge of FHA, VA, State Housing and conventional mortgage financing options. She served as Vice President for Equity Mortgage Invest Corporation of Cranston, RI, and as President of Innovative Mortgage Solutions of Cranston, RI. Patricia attended Johnson & Wales University, and currently lives in Cranston, RI with her husband of 41 years. She enjoys spending time with her granddaughter and playing golf.

Angelo Soukas

Phone: 401-454-3300 x113
Mobile: 508-341-1028
Locations: Rhode Island, Massachusetts
NMLS# 4712

Biography - Angelo Soukas takes great pride in his reputation as an honest loan officer and making the process of obtaining a mortgage as simple as possible for consumers. Angelo came to Homestar 17 years ago, after spending seven years in the mortgage industry with the former Fleet Bank. Before becoming a loan officer for Homestar, he worked for the agency as a sales manager. Angelo has a bachelorís degree from the University of Rhode Island and likes to play golf. He resides in Wrentham, Mass.and has two boys, ages 14 and 11. Angelo works out of the Providence office.

Robert Spaight

Phone: 401-454-3300 x316
Mobile: 401-374-1993
Locations: Rhode Island
NMLS# 22168

Biography - Robert Spaight joined Homestar Mortgage as a senior loan officer after working in the industry for 12 years. He has extensive experience dealing with first-time homebuyers, corporate relocations, jumbo financing and the Federal Housing and Veterans administrations. Robert is a University of Rhode Island graduate, where he earned a bachelor’s degree in political science. He resides in Barrington with his wife and two children and in his free time he enjoys boating, skiing and playing softball.

Maria Zambarano

Phone: 401-454-3300 x118
Mobile: 401-714-5053
Locations: Rhode Island

NMLS# 18799

Biography - Maria Zambarano started working as a loan officer 27 year ago and is continuing her career at Homestar Mortgage. She joined the company more than 6 years ago and specializes in working with first-time homebuyers and originating FHA 203K loans. She is licensed in Rhode Island, Massachusetts and Connecticut. Maria has a bachelor’s degree in English and communications from the University of Rhode Island. She resides in Rehoboth, Mass., and enjoys gardening, golfing and upholstering furniture.

William Whitty

In Memoriam

William J. Whitty

William J. Whitty (Bill Whitty) was a consummate professional who mentored many loan officers in his 40-year career. He was the president of Homestar Mortgage for five years. Bill’s career started in June 1971 with Fleet Financial Corp as their first mortgage originator and then manager. Among the many community organizations that Bill served, he was proud to be the President of RI Mortgage Banker's Assoc., Treasurer of The Mount Hope Farm, and President of the Bristol Foundation.


LICENSES: RI Broker #96000596LB - RI Lender #20031583LL
MA Broker/Lender #MC2340 - CT Lender/Broker #12594
FL Correspondent Lender #CL0700894

220 Smith Street, Providence, RI 02908
1-888-744-3300 -
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