Hi, I'm Jack…

Jack Flynn

We make the mortgage process simple by teaching you every step.

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Ways Jack Can Help

Whatever stage you're at, there's a straight answer waiting instead of a sales pitch.

Investment Property

VA Loans

Construction & Renovation

Home Purchase

First-Time Home Buyers

Meet Jack Flynn

Combat veteran. Coach. Educator.
Twenty years teaching people the mortgage process before they sign anything.

Our Core Values

We strongly believe the way we do things is just as important as the things we do. Every team member is guided by our Core Values, which define how we work, how we interact with each other, and in determining how we best serve our clients, team members, and our local communities.

Background

26 years

Combat veteran, Afghanistan

20+ years

In the mortgage business

Camp Fogarty

Office at the RI National Guard HQ

2nd VP

Narragansett Lions Club

Holy Cross

College rugby coach

This Is Personal

Jack served 26 years in the Army National Guard, including combat deployment to Afghanistan. Heroes Way Home is how he gives that back — a dedicated path for veterans, active-duty service members, and first responders to use the VA loan benefit they earned, guided by someone who's walked the same road.

Explore Heroes Way Home

Let's Do It!

Mortgage insights and strategies

Man pointing at a desk calendar in a bright home office, surrounded by papers, a laptop, and a tablet.

Ten Days That Changed the Rate Conversation

Ten days before the Fed met at Jackson Hole the rate outlook looked one way. By the day before the summit it…

A couple reviewing finances on a laptop, with one pointing at the screen and the other taking notes.

Where Mortgage Rates Stand, and What It Means for You

A market update for buyers, borrowers, and our realtor partners across Southern New England: why your rate isn't moving with the Fed,…

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Rhode Island Market Metrics: August 17, 2026

This week's numbers on mortgage rates, inventory, and days on market, and what they actually mean for Rhode Island buyers and sellers.

Read All Blog Posts

See What Your Equity Could Look LikeAnd When It Overtakes What You Owe

Set your price, your down payment and a rate you want to test, then watch the two lines move. Jack will run the real numbers with you when you are ready.

Your numbers

Purchase price $ Down payment %

Interest rate % Loan term years Annual appreciation %

Purchase date

Estimated selling costs % of sale price

Home value Loan balance Your equity

Sell in year 5

Projected at sale

Home value $0

Remaining loan balance $0

Gross equity $0

Estimated selling costs $0

Estimated net proceeds $0

Run the real numbers with Jack

This is an educational estimate, not a loan offer. Read more

The figures shown are illustrations produced from the numbers you enter. They are not a quote, a rate lock, an approval, a commitment to lend, or a guarantee of future property value.

Appreciation is applied as a steady annual rate for illustration. Real property values move unevenly and can fall. The projection excludes property taxes, insurance, mortgage insurance, homeowner association dues, maintenance, and any capital gains tax that may apply to a sale. Selling costs are your own estimate.

Actual loan terms depend on a complete application, credit review, property appraisal, and program eligibility. Speak with Jack before making a decision based on anything here.

We'll help you find
all the mortgage answers you need

How much can I afford to borrow?

Your approval amount and your real budget are two different numbers. Approval is based on income and debt, budget is based on what you're actually comfortable paying every month. Jack covers both before you start touring homes.

How much should I put down on a home?

It depends on the loan type. Some programs allow far less than the 20 percent most people assume is required, including options with little to no down payment for eligible veterans.

What are the different types of mortgages?

The most common are conventional, FHA, VA, and jumbo loans. Each fits a different situation, from a first purchase to a larger loan amount. Jack walks through which type fits your specific situation before you apply.

What is PMI and when is it required?

Private mortgage insurance is typically required when a down payment is below 20 percent on a conventional loan. It protects the lender, not the borrower, and Jack can explain how to avoid it or remove it later.

What is the difference between a pre-approval and a pre-qualification?

A pre-qualification is a quick estimate based on what you report. A pre-approval verifies your income, credit, and assets, and carries real weight with a seller. Most competitive offers need a pre-approval, not just a pre-qualification.

What is the mortgage application process like?

In general: pre-approval, house hunting, offer and contract, full loan application, underwriting, and closing. Jack walks you through each step so nothing catches you off guard.

Can't find an answer?
Jack will walk you through it directly.

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Jack Flynn Veteran Loan Officer

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