781.861.7767
Who We Are
Meet the teamMonument Mortgage: A Legacy of Excellence in Home Financing
Founded in 1989, Monument Mortgage began in a small office in Framingham, MA, with a clear vision: to provide agile, customer-focused mortgage solutions that large banks couldn’t match. With our founder, Richard Shapiro’s industry expertise and strong investor relationships, Monument quickly became a trusted mortgage provider, offering competitive loan options with exceptional service.
By 1992, rapid growth led to a move to Lexington, MA, allowing us to expand our ability to serve more clients with tailored mortgage solutions. In 2021, we relocated our main office to Chelmsford, MA, embracing both in-office and remote capabilities—ensuring seamless service without disruption.
Today, Monument Mortgage is licensed in Massachusetts, New Hampshire, Maine, Rhode Island, and Florida, having helped over 35,000 clients secure home financing, with more than $12 billion in closed loans.
With access to 20+ lenders, we provide diverse financing options at competitive rates, ensuring every client finds the mortgage solution that best fits their needs. While we leverage technology—offering e-Sign capabilities, secure document uploads, and in-home closings—our commitment to personal service remains at the heart of everything we do.
At Monument Mortgage, we are always available, ensuring a smooth, stress-free experience for every borrower.
Always Available—Always Home.
Proudly Serving Homebuyers In:
Licensed in MA, ME, NH, RI and FL
Joanne Zeolie
President/Loan Officer
NMLS# 19090 MA, ME, NH, RI, LO109169 FL
Office: 781-861-7767 x109
Cell: 978-204-2456
Email: [email protected]
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Joanne Zeolie is the Co-Founder and President of Monument Mortgage Company, which she established in 1989. With over 35 years of experience in the mortgage industry, she has been involved in every aspect of the business, including management, sales, operations, underwriting, and closing. Her deep expertise has enabled her to successfully navigate the company through various economic cycles, ensuring continued success for both Monument Mortgage and its clients.
As a Loan Officer, Joanne works directly with clients, applying her extensive knowledge of the real estate markets in Massachusetts, where she grew up, and New Hampshire, where she has lived for over two decades. She is committed to educating and guiding clients throughout the mortgage process, empowering them with the confidence to make informed financial decisions. Joanne takes pride in providing a personalized approach, tailoring solutions to meet each client’s unique needs.
At Monument Mortgage Company, clients receive dedicated support throughout their financing journey. The company’s mission—”The Power of Monument: Personal, Knowledgeable, Experienced”—reflects its commitment to excellence, setting it apart in the industry. Joanne and her team collaborate closely with clients, ensuring a smooth and seamless process as they make one of life’s most important financial decisions.
Just as monuments symbolize strength, history, and achievement, Monument Mortgage has built a legacy of helping clients achieve homeownership and financial success.
Joanne is licensed in Massachusetts, New Hampshire, Maine, Florida, and Rhode Island and is ready to assist with financing for primary residences, second homes, and investment properties, whether purchasing or refinancing
Joseph Cooper
CEO/Loan Officer
NMLS# 19093 MA
Office: 781-861-7767 x150
Direct Line: 617-969-1441
Email: [email protected]
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Joe Cooper came to Monument Mortgage in 1996, making the move because he recognized that Monument’s goals matched his own, namely, to deliver exceptional Customer Service. Joe is available day and night, working to pre-qualify his customers, guiding them through the often-times complex mortgage process, and, ultimately, providing them with a loan program that fits their financial goals. Joe has been rewarded with a loyal client base, one that continues to grow through referrals. As his career with Monument progressed, he realized that the company had the experience, knowledge, product offerings, and state of the art financing software that would allow him to continue to provide quality consultative services to his clients. Joe was so pleased with Monument’s innovative approach and its ability to adapt to changes in the industry, that he became an owner in 2007.
Joe continues to enjoy providing support to both first-time homebuyers and clients he has worked with for decades, who are now downsizing, buying second homes, or realizing the cash value of their property. He loves that he is now helping the children and grandchildren of customers that began working with him in 1993!
Joe is confident in Monument’s ability to deliver to its clients: “The Mortgage Banking industry has changed significantly over the past few years, and Monument Mortgage has always been able to absorb the change quickly, and then focus on what is best for the individual customer.” He believes that by combining individualized personal service, in-depth knowledge, and vast experience, Monument has the power to “hit the mark” every time.
Mike Bertolami
Loan Officer
NMLS# 21587 MA, NH, ME LO109490 FL
Office: 781-861-7767 x144
Cell: 617-620-1614
Email: [email protected]
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I am proud to have dedicated my entire 21+ year mortgage career to Monument Mortgage Co., Inc., a company committed to combining knowledge, experience, and personal service to create a first-class client experience. With access to a diverse network of lenders, I ensure my clients receive the most competitive rates and products available. My borrower-clients are always well-informed and prepared, and Realtors trust the Monument Mortgage name, knowing that our clients are highly qualified and ready to close.
With extensive expertise in mortgage guidelines, loan products, and the home-buying process, I have built strong, lasting relationships with both borrowers and Realtors. I actively participate in ongoing product training and stay current with underwriting guidelines and compliance regulations to provide my clients with the most up-to-date industry insights. As an instructor of homebuyer education classes, I am passionate about empowering buyers with the knowledge they need to make informed financial decisions.
I understand the urgency of the home-buying process, which is why I am committed to quick response times, clear communication, and seamless coordination with all parties involved. This dedication to exceptional service has earned the trust and loyalty of both my clients and industry partners.
Mike is licensed in MA, NH, ME and Florida
Maureen A. Catino
Loan Officer
NMLS# 19213 MA, NH, ME, RI, LO108435 FL
Office: 781-861-7767 x116
Cell: 978-549-3870
Email: [email protected]
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Maureen Catino has been an integral part of Monument Mortgage since its inception in 1989. With a career spanning over three decades, she has held multiple key roles—including Underwriter, Closing Specialist, and Operations Manager—gaining invaluable expertise in every aspect of mortgage banking. In 1997, Maureen transitioned into a Loan Officer role, recognizing that her deep industry knowledge, experience, and ability to build strong relationships would be best utilized in direct client service.
Dedicated to delivering an exceptional client experience, Maureen believes that successful mortgage lending is built on four essential pillars: Listening, Educating, Communicating, and Delivering Results. She guides her clients through the entire mortgage process, ensuring they feel informed and confident every step of the way. “I want my customers to receive as much information as possible upfront, understand the importance of each stage, and know that I’ll be there with them until the very end—when their loan closes.”
Maureen’s client relationships go beyond transactions—they evolve into genuine friendships built on trust and care. This commitment to service has led to 83% of her business coming from repeat clients or referrals, a testament to the lasting impact she makes.
She values the strong team support at Monument Mortgage, emphasizing that having a reliable and knowledgeable network allows her to provide the exceptional service her clients deserve. With the mortgage industry constantly evolving, Maureen stays ahead of market trends, regulations, and underwriting guidelines to simplify the process for her clients. “Mortgage lending can feel overwhelming, but I make it EASY. My job is to cut through the noise and give my clients clear, practical guidance so they can make confident decisions.”
Maureen is Licensed in Massachusetts, New Hampshire, Maine, Rhode Island and Florida
Jeff Page
Loan Officer
NMLS# 697300 MA, NH, ME
Office: 781-861-7767
Cell: 617-910-8238
Email: [email protected]
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Jeff Page has been a Loan Officer since 1989, beginning his career at Shawmut Bank. With over 35 years of experience, including more than 20 years as a Producing Sales Manager, Jeff has built a reputation for delivering exceptional service and expert financial guidance.
Jeff views his role as more than just a Loan Officer—he acts as a trusted advisor, helping clients navigate their lending needs with confidence. His approach is centered on personalized service, ensuring that each borrower receives the attention and support they deserve from start to finish.
Jeff finds particular satisfaction in guiding first-time homebuyers through what can be a complex and overwhelming process. He takes pride in making their journey smoother by providing clear, thoughtful guidance and education every step of the way.
Jeff is licensed in Massachusetts, New Hampshire, and Maine.
Susannah Goodwin
Loan Officer
NMLS# 22531 MA, ME, NH
Office: 781-861-7767 x114
Cell: 207-752-0120
Email: [email protected]
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Susannah Goodwin has been a valued member of Monument Mortgage Company since 1995, bringing 35 years of hands-on experience in mortgage banking. Throughout her career, she has excelled in loan processing, underwriting, training, management, and sales, developing a deep, well-rounded expertise that has been instrumental in her long-term success. Her extensive knowledge, combined with her ability to build strong client relationships, sets her apart as a trusted Loan Officer.
“Clear communication is the backbone of my approach as a Loan Officer.” Susannah believes in educating and guiding her clients through every step of the mortgage process, alleviating the stress that often accompanies major financial decisions. She is dedicated to providing personalized solutions, ensuring her clients feel confident and informed from application to closing.
With the mortgage industry constantly evolving, Susannah stays ahead by regularly attending industry seminars, allowing her to navigate changing regulations and market trends with ease. This ongoing education directly benefits her clients, as she remains well-versed in the latest mortgage products and financing strategies.
Susannah has had the privilege of helping clients at every stage of their homeownership journey—from purchasing their first home in Massachusetts to securing a vacation home in New Hampshire, and later, finding the perfect retirement home in Maine. Whether working with first-time homebuyers, refinancing clients, or those seeking expert mortgage guidance, Susannah takes pride in helping people find the home that’s just right for them.
Susannah is licensed in Massachusetts, New Hampshire, and Maine.
Operations Team
Kimberly Eggleston
Processor/Underwriter Since 2023
Office: 781-861-7767 x127
Email: [email protected]
Jaclyn Yerardi
Processing/Underwriting Manager Since 2010
Office: 781-861-7767 x125
Email: [email protected]