Our team of mortgage experts at Citizens is committed to helping customers find the home loan solution that’s right for them. Citizens is one of the nation’s oldest and largest financial institutions, with a nearly 200-year history of serving customers and communities. Whatever your mortgage needs—buying a home, building a home, or refinancing an existing mortgage—we’ll provide answers and insights to guide you through the process, from application to closing.
The entire process of searching for a home, getting a mortgage, assembling documents, dotting all the "i's" and crossing the "t's" is miserable and frustrating.. Having done this several times before, I could not have imagined a better partner in getting this accomplished..
Gina was nothing short of amazing.. Approachable, responsive, professional and concise..
I don't know whom wrote the 3 negative reviews at the bottom of this page, but they have to be fake as this was not at all my experience..
Gina will get every referral I ever give for securing a mortgage..
Citizens Bank is lucky to have her as she represents the company extremely well
BW
Benjamin Woodhouse
Oct 1, 2025
5.0
Gina was a fantastic partner in our home buying process. Always easy to reach, very patient with my plethora of questions, and worked hard to ensure we were best off financially. My wife and I are very grateful for Gina!
DW
Dan Walker
Oct 1, 2025
5.0
Gina is a true fighter to get the best rates and deal for you. She helped our family tremendously! Highly recommend her and her organization!
JG
J G
Jul 17, 2025
1.0
Tried to serve us a fraudulent eviction notice. Never do business with this woman.
MC
mayra chavez
Mar 15, 2023
5.0
Mrs. Garafola was a great help, she is very professional, understanding and knowledgeable. It was a pleasure working with Ginna! She kept me on task and helped me gather a better understanding of the process. She was able to help me get approved despite the obstacles in our way throughout, and she never gave up while working tirelessly to help me meet my goals. I was able to get approved and am now happily living in my own place.
What services does Gina Garafola provide at Citizens Bank?
Gina Garafola offers expert mortgage consulting services including home buying, building, refinancing, and guidance through the mortgage process.
Where is Gina Garafola located?
The office is located at 29 South Main Street, Suite B8, West Hartford, CT 06107, USA.
What are the regular business hours for Gina Garafola's mortgage services?
The office is open Monday through Friday from 9:00 AM to 5:30 PM, and closed on weekends.
Can I schedule an appointment outside of regular office hours?
Yes, appointments can be scheduled outside regular hours upon request as the office offers services by appointment.
How can I contact Gina Garafola?
You can reach Gina Garafola by phone at +1 203-704-0432 or email at gina.garafola@citizensbank.com.
Does Gina Garafola offer assistance with Veterans Mortgages and FHA loans?
Yes, services include Veterans Mortgages, FHA loans, construction loans, refinancing, and other home loan options.
Are there any holiday closures I should be aware of?
The office is closed on major holidays including November 11, November 27, and December 25 of 2025.
What nearby real estate agents can I connect with when working with Gina Garafola?
Nearby real estate agents include The Kachwaha Team, Carol O'Brien from KW Legacy Partners, Lisa Antrum from Keller Williams, Nadia Kachwaha, Martin Torres from Keller Williams Realty, and Veranda Real Estate.
Is there a nearby gym for fitness or relaxation before or after mortgage consultations?
Yes, The Fitness Continuum gym is nearby, offering fitness training and sports and recreation facilities that clients might want to use before or after visits.
What financial advising services are located near Gina Garafola's office?
Nearby financial advising and insurance services include Timothy Gibson - Raymond James, David Negriero, Private Capital Group LLC, YHB Investment Advisors, and World Insurance Associates LLC.