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Carlene Marie Shannon helps buyers and homeowners navigate the mortgage process without the confusion, pressure, or guesswork. Based in Connecticut and serving clients across CT, MA, NH, and FL, Carlene began her career in mortgage lending in 1999 and has built a reputation for making home financing feel clear and approachable. People who work with Carlene often appreciate her positive, cheerful, and confident vibe. She’s known for being direct and detailed, answering questions quickly, and making sure clients feel more confident after their very first call. Borrowers often say the biggest relief is having an actual person who is available and takes their concerns seriously. For Carlene, that’s not just good service—it’s the foundation of trust. Her approach is rooted in experience and empathy. Having been a first-time homebuyer herself, Carlene understands the excitement and stress that come with big decisions. She believes every client deserves to feel like they’re her only priority, and she goes above and beyond to make the process feel less intimidating and more empowering. Whether she’s structuring a loan scenario or explaining the “why” behind each step, Carlene’s goal is simple: to help people feel informed, supported, and excited about homeownership.
Outside of work, Carlene supports local charities focused on animal welfare and food banks, reflecting her commitment to community and care. She’s also an avid foodie who loves exploring new flavors and cuisines, and she enjoys traveling and discovering new places with friends. These passions keep her inspired and connected, and they often spark great conversations with clients who share similar interests.
At the end of the day, Carlene is passionate about helping people achieve one of life’s biggest milestones with confidence and clarity. For her, homeownership isn’t just a transaction—it’s a cornerstone of a strong society, and she’s honored to play a part in making that dream a reality.
Rating: 5.0 out of 5.0 from Encompass We are first time buyers and this process was handled for us quickly and efficiently! QusannaEast Hartford, CT Jul 19
We are first time buyers and this process was handled for us quickly and efficiently!
Rating: 4.8 out of 5.0 from Encompass Everything was great - up until the last day when the processor couldn't get the closing documents to the closing table. Buyer had to drive down to the attorney a second time! KolleenAdams, MA Jul 17
Everything was great - up until the last day when the processor couldn't get the closing documents to the closing table. Buyer had to drive down to the attorney a second time!
Rating: 5.0 out of 5.0 from Encompass Profession and personal character that strives to be informative and supportive. MargaretSpringfield, MA Jul 16
Profession and personal character that strives to be informative and supportive.
Rating: 4.8 out of 5.0 from Encompass Clear and consistent communication. Responded promptly to our questions. GinaWestfield, MA Jul 15
Clear and consistent communication. Responded promptly to our questions.
Rating: 4.8 out of 5.0 from Encompass Carlene was attentive , always kept the communication line open, and always found a solution to every bump in the road . Jordyn LilyAdams, MA Jul 15
Carlene was attentive , always kept the communication line open, and always found a solution to every bump in the road .
Rating: 5.0 out of 5.0 from Encompass Knowledgeable and supportive throughout the buying and selling process. MasonWestfield, MA Jul 13
Knowledgeable and supportive throughout the buying and selling process.
Rating: 5.0 out of 5.0 from Encompass Thanks for your excellent help with my home purchase MichaelMilford, CT Jul 13
Thanks for your excellent help with my home purchase
Rating: 4.8 out of 5.0 from Encompass Carlene was always available to help. Our house purchase was a difficult process, from the sellers side, Carlene worked through all of the issues with us. She is amazing Jennifer ARocky Hill, CT Jun 02
Carlene was always available to help. Our house purchase was a difficult process, from the sellers side, Carlene worked through all of the issues with us. She is amazing
Rating: 5.0 out of 5.0 from Encompass Carlene and Rob were beyond helpful. They answered any questions that I had directly and in a very timely manor. Carlenes guidance through the entire process made EVERYTHING move quickly and smoothly. DanielCheshire, CT May 25
Carlene and Rob were beyond helpful. They answered any questions that I had directly and in a very timely manor. Carlenes guidance through the entire process made EVERYTHING move quickly and smoothly.
Rating: 5.0 out of 5.0 from Encompass Carlene guided us through the process step by step . She is Accomadating , Attentive & Knowledge . Highly Recommended! Krista MarieWolcott, CT May 24
Carlene guided us through the process step by step . She is Accomadating , Attentive & Knowledge . Highly Recommended!
Rating: 5.0 out of 5.0 from Encompass Carlene was a pleasure to work with and she is very good at what she does. Everything was well explained throughout the process and it was very simple to do everything through E-sign. I would reccomend Carlene to anyone asking about getting a loan and we absolutely appreciate everything she did for us from answering questions. Thanks again Carlene,... StevenWolcott, CT May 23
Carlene was a pleasure to work with and she is very good at what she does. Everything was well explained throughout the process and it was very simple to do everything through E-sign. I would reccomend Carlene to anyone asking about getting a loan and we absolutely appreciate everything she did for us from answering questions. Thanks again Carlene,...
Rating: 5.0 out of 5.0 from Encompass Everyone was very knowledgeable and helpful with any questions that I had as a first time buyer. I felt like there was no obstacle that couldn't be overcome. I felt that the team supporting me cared about making sure that I ended up in the best position possible and that made all the difference in t... BryanPlainville, CT May 18
Everyone was very knowledgeable and helpful with any questions that I had as a first time buyer. I felt like there was no obstacle that couldn't be overcome. I felt that the team supporting me cared about making sure that I ended up in the best position possible and that made all the difference in t...
Rating: 5.0 out of 5.0 from facebook As we are closing on our new home, it occured to me on how difficult it could've been if we didn't have Carlene on our team. Carlene has lead and championed the process and steered us to completing the closing, since day one. Always professional, thorough, calm and courteous, Carlene - from Dawn and me, we can't thank you enough! Please extend o... Daniel Nay Apr 29
As we are closing on our new home, it occured to me on how difficult it could've been if we didn't have Carlene on our team. Carlene has lead and championed the process and steered us to completing the closing, since day one. Always professional, thorough, calm and courteous, Carlene - from Dawn and me, we can't thank you enough! Please extend o...
Rating: 5.0 out of 5.0 from facebook Our most recent mortgage approval for a client is just another feather in Carlene's cap, 3 other lenders could not do what Carlene does every day, defy the odds and gets things done! Ever thankful for her commitment, knowledge, and first rate effort! Kirk & Stacy Weingarten The Weingarten Real Estate Team at Keller Williams Realty Stacy Von Moos Weingarten Apr 29
Our most recent mortgage approval for a client is just another feather in Carlene's cap, 3 other lenders could not do what Carlene does every day, defy the odds and gets things done! Ever thankful for her commitment, knowledge, and first rate effort! Kirk & Stacy Weingarten The Weingarten Real Estate Team at Keller Williams Realty
Rating: 5.0 out of 5.0 from facebook great working with Carlene my clients are impressed with her advice, care and timely respond to questions they have. I feel confident introducing anyone that might and will benefit from her knowledge in the mortgage industry. Mike Arakelian Apr 29
great working with Carlene my clients are impressed with her advice, care and timely respond to questions they have. I feel confident introducing anyone that might and will benefit from her knowledge in the mortgage industry.
Rating: 5.0 out of 5.0 from facebook Carlene is amazing. She has helped two of my clients when no one else could make it happen. Edward McDade Apr 29
Carlene is amazing. She has helped two of my clients when no one else could make it happen.
Rating: 5.0 out of 5.0 from facebook Had an excellent experience with her and her team. Transaction went incredibly smoothly and she had excellent communication from start to finish. Couldn't have been happier! Bill Nichols Apr 29
Had an excellent experience with her and her team. Transaction went incredibly smoothly and she had excellent communication from start to finish. Couldn't have been happier!
Rating: 5.0 out of 5.0 from facebook My husband and I had the pleasure of working with Carlene on the sale of our home and the purchase of our forever home. I can’t say enough how easy she made the whole process for us, we knew exactly what was going on every step of the way. When we had a question she got back to us with an answer right away she was pleasant, professional and easy ... Megan Haines Apr 29
My husband and I had the pleasure of working with Carlene on the sale of our home and the purchase of our forever home. I can’t say enough how easy she made the whole process for us, we knew exactly what was going on every step of the way. When we had a question she got back to us with an answer right away she was pleasant, professional and easy ...
Rating: 5.0 out of 5.0 from facebook I can't find the words to say just how incredible RMS and Carlene Shannon were while buying my house. I put an offer in on Jan 21st, spoke to Carlene for the first time on the 22nd, and closed on my house Feb 14th. 18 business days and I was in my house! Using their online system was the easiest thing I have ever done to buy a house. I received a l... Matt Niedzielski Apr 29
I can't find the words to say just how incredible RMS and Carlene Shannon were while buying my house. I put an offer in on Jan 21st, spoke to Carlene for the first time on the 22nd, and closed on my house Feb 14th. 18 business days and I was in my house! Using their online system was the easiest thing I have ever done to buy a house. I received a l...
Rating: 5.0 out of 5.0 from facebook Carlene thank you so much for another fantastic experience working with you. As always you’re professional, thorough and on top of things from start to finish!!! Lena Alexopoulos Gauthier Apr 29
Carlene thank you so much for another fantastic experience working with you. As always you’re professional, thorough and on top of things from start to finish!!!
Rating: 5.0 out of 5.0 from facebook Carlene! The BEST at what she does. From the moment we connected with her, we knew we were in the best hands. We had a one in a million experience with our first attempt in selling/buying, with no fault if ours. Carlene assured us that we would find the perfect home for us and she would be there to assist in the finance end, and she was right. Sh... Emily Elizabeth Apr 29
Carlene! The BEST at what she does. From the moment we connected with her, we knew we were in the best hands. We had a one in a million experience with our first attempt in selling/buying, with no fault if ours. Carlene assured us that we would find the perfect home for us and she would be there to assist in the finance end, and she was right. Sh...
Rating: 5.0 out of 5.0 from facebook Carlene is fantastic to work with ! If you need a loan officer who knows her job and makes all of her clients a priority then she’s the one ! Catherine Newman Apr 29
Carlene is fantastic to work with ! If you need a loan officer who knows her job and makes all of her clients a priority then she’s the one !
Rating: 5.0 out of 5.0 from facebook Carlene and her team made our house buying experience such a breeze. she is very knowledgeable and considerate and will make sure you can get a house you can afford and will be your forever home. 10/10 would reccomend thank you again Carlene! Christopher Lumbra Apr 29
Carlene and her team made our house buying experience such a breeze. she is very knowledgeable and considerate and will make sure you can get a house you can afford and will be your forever home. 10/10 would reccomend thank you again Carlene!
Rating: 5.0 out of 5.0 from facebook Where do I begin? Carlene Shannon far exceeded my expectations of our home buying process! I did my research and Residential Mortgage Services came up as a dependable mortgage company with many programs available to meet our specific needs. From the minute I started to ask questions regarding my home buying needs, Carlene was right there...day, nig... Lynn Daigneault Bousquet Apr 29
Where do I begin? Carlene Shannon far exceeded my expectations of our home buying process! I did my research and Residential Mortgage Services came up as a dependable mortgage company with many programs available to meet our specific needs. From the minute I started to ask questions regarding my home buying needs, Carlene was right there...day, nig...
Rating: 5.0 out of 5.0 from facebook I'm a real estate agent and I knew when it was time for my own next purchase, I would be reaching out to Carlene. To start she was great about being sure I knew the whole process and even though I work in this industry, she was so thorough and patient with us. The RMS app she has to upload documents made the process a breeze. Buying a home and g... MJ Kloc Apr 29
I'm a real estate agent and I knew when it was time for my own next purchase, I would be reaching out to Carlene. To start she was great about being sure I knew the whole process and even though I work in this industry, she was so thorough and patient with us. The RMS app she has to upload documents made the process a breeze. Buying a home and g...