Robert C. Cinquegrana

Vice President
Senior Loan Officer
NMLS# 33140
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Meet Robert Cinquegrana

Robert Cinquegrana has been in the mortgage lending industry for more than 23 years. During that time, Rob has been recognized as a TOP 1% Mortgage Originator in the Country (recognized by Mortgage Originator Magazine),has assisted over 4,000 clients close on their home, and has funded over $1 Billion in total loan volume.

His extensive mortgage product knowledge, understanding of the real estate and financial markets allow him to assist clients find the ideal loan program and property throughout, MA, RI, CT, NJ, NH, MD, VA, SC, NC, FL and PA. Additionally, Rob is devoted to providing the highest level of service, and professionalism.

Rob is a graduate of Rhode Island College with a BA – Criminal Justice. He resides in Middletown RI with his significant other Paula, his son Caleb and their 3 dogs. Sports, the financial markets, visiting new places and restaurants are where he finds enjoyment.

Meet Robert C. Cinquegrana’s Team

Nathan Vandemoer
LO Assistant

Find Out What People Are Saying About Robert C. Cinquegrana

I have used Rob twice, once for a refinance on an existing loan and once for a new loan. Both times Rob went above and beyond to make the process as simple and easy as possible. I have recommended him to numerous people, and all have had an excellent experience!

Rob was a tremendous help throughout navigating the mortgage process. He exceeded my expectations and I would highly recommend Rob as well as Bay Coast bank to anyone who is looking for a mortgage. Thanks again!

Rob makes the process of doing a refi or mortgage easy and straightforward. He is always responsive to our questions (no matter how many) and provides great customer service. I appreciate him reaching out to us when better rates are available. We have worked with him on two moves and several refinances and would highly recommend him. We will continue to utilize him for our future mortgage needs and always recommend him to friends and family.

It was an absolute pleasure working with Robert. He helped break down the mortgage process for us to understand what and why everything was being done. He was always available answer any question we had and provide valuable advice. I would recommend Robert to anyone I know!

Rob was very professional and always helpful with a sometimes difficult process. He had the answers anytime I was unsure of the information needed in pertinent areas during the in depth paper process of a mortgage. He always made sure I understood areas that required further explanation and he made sure I was clear about the sometimes precise process that I was about to undertake. He also made it clear if a situation arose I could call or e mail him any time I was unsure of certain areas I did not quite understand or needed further explanation and his professional expertise to make the process clearer and more understandable. I would definitely recommend him to anyone needing his background and depth of knowledge pertaining to any issue arising during an extremely tedious mortgage process. And I always had a handle on every portion of the mortgage process because of his professional attitude and pleasant personality.

Rob is excellent. He made the process as smooth as possible and was always there to help with anything I needed (which, as a first-time home-buyer, was a lot). He was patient, clear, and diligent. I highly recommend him.

We have one word…Outstanding!! Rob surpassed both our expectations. From day one he took us and made us his priority. Even when we had a major bump in the process Rob was the calming voice. You can tell his many years experience is an asset to his clients. I really wouldn’t use anyone else other than Rob for my mortgage needs. I would recommend him in a heartbeat. Thank you Rob for all you did!

Rob made the deal happen when other lenders couldn’t. I couldn’t have been happier with the home refinance. Rob is knowledgeable and caring.

Rob, is an outstanding Mortgage Professional. This was not the 1st mortgage rob handled for me. He always does a fantastic job, smooth transaction with excellent communication throughout the process. I would highly recommend Rob.

Rob was extremely knowledgeable and very professional in all that he did to help me get the best possible workable mortgage refi. He took his time in getting all the facts and figures, he did not rush to complete the job to help me. He knows his business.

Rob is professional and is willing to take the time and offer personalized service and advice. Rob’s attentiveness and knowledge was invaluable for my wife and I as we were first time home buyers with with little background in residential lending. He walked us through the process from start to finish and had quick answers when we needed them during the offer/ purchase & sale process.

Rob is extremely knowledgeable, professional and goes the extra mile when it comes to service. Rob made sure I understood all the option and costs associated with the transactions. All my transactions were completed on time with out a hitch and I could not be happier. In addition, I recommended Rob to friends and family and they all thanked me and gave Rob a rave review and I will recommend Rob again.

Professional, knowledgeable, timely, flexible. Rob was helpful from the start and helped me get the best rates possible, reviewed all my options and was always available for questions. He always responded quickly and I was able to refinance within a few weeks. I would love to recommend Rob to anyone.

I have used Rob several times to both buy and refinance my homes. This past year we refinanced giving careful consideration to our financial goals and changing financial situation (3 kids attending college). Rob was excellent at helping us determine the specifics of our refinance and thoroughly (and patiently) explained all of our options. He provided guidance and explanation – we never felt rushed in our decision making and we locked in a great refinance rate!

Robert – was extremely professional right from the start. He provided clear direction of the refinance process and most important to me was his quick response to questions and follow-up emails or phone calls.

Rob has helped us buy and refinance our home several times. We learned of him from a neighbor many years ago. As a a result of his great service many of of friends and neighbors have use him with great results. His service standard is the foundation of his business. We highly recommend him and expect to use him again when we move to Florida.

I recently purchased my first home and worked with Rob throughout the mortgage process. He patiently answered all my questions (of which I had many) and worked with me to develop a plan that best fit my needs. Rob and his team were incredibly responsive which made the entire process easy, quick and efficient. I would definitely work with him again in the future.

I spoke to Rob on the 16 of June 2017 about refinancing I close my loan in less than a month. It was a stress free process all my questions were answered honestly.

Rob was very knowledgeable and helpful. He took the time to explain the process and provided several options to meet my needs. I would use Rob in the future and would recommend him to friends and family.

I would highly recommend Rob if you are looking to purchase or refinance your home. He is extremely professional and always looking out for his clients best interest.

We just recently purchased our first home, and working with Robert was truly a pleasure. He was very helpful and responsive/proactive throughout the process . We were very satisfied with the services he provided and would recommend him to anyone.

Rob is an excellent lender- courteous, professional, and willing to go the extra mile to get us the best terms for our re-finance. I highly recommend him to anyone looking for a helpful mortgage professional.

I was introduced to Rob after purchasing my home. He wrote down the details of my loan and over the course of the next two years he help my lower my interest rate by over 3%. He is professional, courteous and very good at what he does.

The mortgage process is a pain, but Rob make it quick and easy. Got us a great rate and closed at my dinner table. Doesn’t get much better than that. Highly recommend having Rob handle your mortgage needs.

Rob is wonderful to work with. He explains the market in layman terms which provides for a smooth and efficient transaction process. His transparency is a great strength.

Robert has helped us on numerous occasions and his expertise, coupled with his helpfulness, have made our transactions extremely favorable. Without doubt, I would offer Robert my highest recommendation! Thank you, Rob.

We worked with Rob through 5 different refinancing loans. Each time we had complete trust in him from locking in a great rate to closing. We always felt he made sure our best interests were his top priority. We recommended him to at least 4 other friends and they had similar experiences. Rob is easy to reach, laid back and VERY patient.

Rob provided the guidance and expertise required to assist in refinancing my home. His in-depth loan process knowledge allowed me to reduce my interest rate (-1%) and transfer from a 30 yr. to 15 yr. saving $100k+ over the term of my loan! The refinance loan process was extremely timely and painless working with his network of business contacts. The strategic planning will allow our family to complete payment of the home BEFORE our children enter college assisting with financial stability.

I have refinanced my personal home twice over the last 14 years with Rob, and both times, he was able to find me rates no one else could match, met my financial objectives for refinancing at the time, and made it a completely pleasant and professional experience. Most recently he was able to take four years of payments, and 1.5% off my mortgage, placing me in a 15 year fixed at 3.1%. I would highly recommend working with Rob, and will personally use him again for my future mortgage needs.

We refinanced with Robert’s help years ago, and when we were ready to refinance again we returned to Robert. Robert provided us excellent information on the options and recommended timing for refinancing, and great communication throughout the process.

We have refinanced with Rob several times and our kids have used Rob for their financing needs. His service was so good that we have recommended him to many of our friends.

We used Robert to refinance our home and he provided best rate, first class customer service and continues to be proactive with my loan. When rates changed he was quick to help us refinance again.

Rob is extremely knowledgeable and professional. He was available 24/7 to answer questions and guide us through the process. He is a straight shooter. Great rate… no closing costs. We have used Rob twice over the past 10 years and we will certainly call him again for our mortgage/refinance needs.

I have to say the agent really went out of his way to make the loan process easy. I am a salesman and always on the go and did not have a lot of time to get stuff done. Rob was there for every step answering all my questions almost immediately. This is the kind of service I expect since I am in the service industry.

I have worked with Rob for over 10 years, and probably close to 10 purchases and refinances. He is one of the most knowledgeable and professional people I have ever worked with. My financing requires “out of the box” thinking, and Rob is always creative, flexible and pro-active in suggesting options and is on top of every detail needed to get mortgages closed as quickly as possible. He and his team to take the initiative to make it as easy for me as possible. I can’t recommend him highly enough!

Working with Rob was a pleasure. He is extremely professional and all the while simplifying everything for me so that i could understand the process. The process did not feel rushed as Rob was always ahead of the game. If there is anyone that I can trust to take that last second shot, it’s Rob!!

Robert Cinquegrana was great! I refinanced a 30 year fixed rate mortgage. Interest rate, fees, and time it took to close were all exactly as he said they would be.

We have refinanced with Rob many times over the past 10 years. Rob is transparent and easy to work with. He and his staff make the process as painless as possible. More importantly, I have always received highly competitive rates and great advice. I have recommended Rob to many of my friends and colleagues over the years. They, too, have refinanced with him multiple times. I cannot recommend Rob highly enough.

Was referred to Rob by a friend who had worked with him on multiple occasions, and have refinanced with him twice…so far. Easy to reach, responsive, pleasure to work with.

I’ve done multiple loans with him and he’s the best! He always gets me the lowest rate possible and he is very efficient. I would recommend him to anyone seeking a new loan.

Did a great job, found an excellent rate at the longest term available. Have worked with Rob for many years prior to that and he was always very attentive to my needs.

I’ve been working with Rob for well over 10 years and over that period have refinanced multiple times, usually because Rob keeps in touch and lets me know when there is an opportunity from which I would benefit. I have also recommended Rob to many friends and co-workers and have never heard anything other than 100% positive feedback and sincere thanks. Rob has been a trusted advisor as well as a great service provider and I recommend him to anyone considering a loan or re-fi without any reservations.

I would highly recommend Rob to anyone for home financing needs. Rob simply gave us the best deal after much shopping around. He is fast, responsive and takes the time to answer all questions on any day of the week and at any time. He takes the time to explain any complex matters in very simple terms. He helped us with our home purchase and then he helped us refinance twice for lower interest rate. Best of all, he contacted me to refinance at lower rate. All loans closed on time.

I have worked with Rob for over ten years and he has done a spectacular job for me. He is extremely trustworthy and highly ethical I would highly recommend him to all family members and friends.

Outstanding. Very smart, attentive, efficient, patient in recognizing my wife and I were quite busy professionals who could not afford the time to get caught up in red tape. We have used Rob on numerous occasions over the past 15-20 years to refinance our mortgage and continually improve our lending rates each time. This was an important option for us as we refinanced our mortgage and used home equity loans to help with our kids’ expensive college tuitions, etc. He earned our trust and respect–and we’ve recommended him to many close friends.

I hardly had to do anything from start to finish. He did it all. Very knowledgeable and professional. I actually did 4 refinances with rob in 5 years. Every time the rate was better than expected and I paid no closing costs st all, ever. The attorney even came to my house all 4 times. Couldn’t have been better.

I have worked with Rob on personal mortgage transactions over the past 15 years. We have purchased 2 homes and refinanced several times. He has made the mortgage process easy even though the industry became more complicated. I highly recommend you talk to Rob.

I have worked with Rob over the last 7 years on a purchase of a home and multiple Refinancing transactions. He and his team makes the process straight forward and non-stressful. They take care of everything for you. Rob’s knowledge of the market and ability to locate the right lender will have saved my family hundreds of thousands of dollars over the lifetime of the mortgages. This is money I can put toward my kids college fund and retirement. Every time I hear someone talk about Refinancing I pull them aside and say you need to talk to Rob. He will save you a lot of money and make the process painless. That person always comes back to me with a smile thanking me for introducing them to Rob. Finally, Rob is an all around great guy who I consider a friend and you will too.

Rob went above and beyond my expectations. I had traditionally used the larger banks more out what I thought was convenience, but I often was on hold or leaving a message just another number for someone who often seemed to be entry level. Working with Rob the experience was night and day, if he didn’t answer directly he returned my calls or emails in short order. He guided us through a complicated transaction. Like most people, I found selling and buying a house stressful. Rob was always able to provide a steady voice of reassurance that the job would get done and it did. There was no question he could not answer, it is clear he has been doing this a long time and it was great to work with him.

Rob’s been helping my family to secure a mortgage by providing an outstanding service – which is essential to understand the mortgage products available for our needs that fit our situation. Rob has also helped us to navigate the amount of documents required and has been with us in every step of the way. In summary, we’re really happy with the service Rob has been providing to us in this process and definitely recommend him!

Robert and his team made the entire process effortless! In fact the only day we could close was Christmas Eve which is unconventional to say the least however Robert made it happen! We highly recommend his services!

Rob, Thank you for helping me to explore my options for the best possible loan to fit my needs. Your honesty, professionalism and timeliness has been very appreciated! I realize that I may have pushed you to the edge at times because of my lack of knowledge about the process and I want to thank you for being patient with me. If the opportunity ever comes up again, I would not hesitate to deal with you again. Thank you once again. Regards, Harpreet Singh

Last year my wife and I were referred to Rob as a potential re-fi agent. From the outset, Rob was upfront with details of what to expect, the fees/potential savings to be gained, and most importantly a timeline of how the process would unfold. I can say with enthusiasm that Rob delivered on every single promise. His professionalism is perfect and his ability to distill sometimes overwhelming amounts of information is profound. He made the refinance process significantly simpler than we expected. Most importantly Rob was always available for any questions. His speed in replying to emails or phone calls was extraordinary. As a result of my experiences with working with Rob, my wife and I have made two referrals to him and on both occasions the results were equal to ours.

I have a high regard for Rob’s work ethic and ability to guide a homeowner through a process that can seem initially daunting. He is highly recommended without reservation.

I have worked with Rob Cinquegrana for over 10 years. I have completed multiple mortgage, and mortgage refinance contracts with Rob representing multiple lenders, and loan options. I have never been disappointed, and have always recommended Rob to others. Why? Rob’s knowledge, attention to detail, great communication, and excellent follow up. Rob is dependable. He simply does what he says he will do, and tells you upfront what is not possible.

My experience with Rob and his staff was over the top fantastic. Service was quick and very efficient. If you want a pleasant experience, I highly suggest working with Rob and his staff. You will not be disappointed.

Robert was very helpful in taking us through the details of refinancing process and answering our questions. He was prompt in responding our emails/phone calls. We had a very positive experience and will recommend Robert.

Overall very pleased with the services I received from Robert. Every single time I called him he was readily available to answer all my calls and questions. His long time experience as a lender is apparent as soon as you begin working with him. I have referred him to everyone and anyone I know who is looking to buy or refinance. Working with Robert was such a positive experience . When I interacted with Robert I never felt that I was being misguided or did not understand the process; he was very patient and made sure everything was crystal clear. The closing of my home happened under 30 days -as promised and without any hassles. He exceeds far beyond the best. Because of Robert, I was able to become a first time home buyer. He thrives to please each and every one of his clients. I can guarantee that anyone who chooses to work with him will be 100% satisfied. He is a man of integrity and always carries a business-professional attitude.

From beginning to end, Rob was GREAT!!!!. He was very thorough and guided me and my wife through the process. He was very intelligent and able to explain the entire process to us. I recommend him highly. I have remained in touch with Rob and he has assisted me and several of my colleagues with purchases and refinances.

Great service, advice and council. The process was very simple, and I was incredibly pleased with the results. I’ve used Rob about 10 times for purchases and re-finances and he has not let me down yet.

Easy, reliable, honest and friendly. Though we have not met face to face, we have refinanced with Rob at least 4 times and each time we either saved money by reducing the interest rate, life of the loan, or we took extra money to do a home project. Rob makes everything so easy.

I used Rob for a re-fi and have since passed his information onto others. He is patient; courteous; honest; and more than willing to help. He was down-to-earth, easy to work with, and he took extra time to walk me through every step of the process. I would absolutely recommend him!

It was a great pleasure working with Robert. My wife and I worked with him on our first condo purchase. He was very knowledgeable, professional, and always made himself available. We couldn’t have asked for a better experience.

Rob has guided me through 4 purchases and twice as many re-fi’s. He has expertise in all situations. He is available basically 24-7, and wont quit until a solution is found. His confidence in his ability to get the deal closed keeps all parties involved assured and up to date with all aspects of the deal. I have referred countless people to Rob and all have further referred him as well. Maybe the most important thing to know about Rob is the deals he does not do. Over the years there have been several people I sent to Rob, and be it due to their already low rate or other similar situation, he has advised them to stay put with current loan. In other cases I have had friends who were unsure the deal they were getting elsewhere was fair and honest and I have had them contact Rob to review. If the deal is fair Rob always advises as such. If a loan is not in a buyer/owner’s best interest he wont do it just to “close a deal”. This kind of honest and trustworthy approach is becoming more and more scarce in todays business world. Rob is truly one of the good guys. I recommend him with the utmost confidence.

I have been working with Robert for many years through 2 home purchases as well as several refinances. I truly believe he is very customer focused. I can always rely on him for a quick turnaround, great explanation of the mortgage/refinance process and always looking out for my best interests. I would highly recommend his expertise and services.

I was referred to Rob Cinquegrana from a co-worker of mine. I want to write to you and tell you how much I appreciate Rob and how grateful I am for what he has done for me. In June of 2018, I was going through the process of a Divorce. The process can be overwhelming and stressful at times. When I called Rob to start the refinance process, he talked to me as if I had already owned my own home. Giving me the confidence I could do it. He tried to find ways I could do it with the budget I had. He was always available by phone at anytime of the day, whether he was on vacation or at night. He held my hand through every step of every process. It’s November 2018 I can proudly say I own my own home as a single mother. I would recommend Rob and Bay Coast bank to my family and friends. On a side note, the people at Bay Coast bank are truly amazing. They are wonderful people. The customer service is beyond any Bank I have ever come to meet. They treat you like family. I would like to thank them for all they have done for me.

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