Our Mission

Be a premier mortgage lender in New England and throughout the east coast by leveraging our experience, process, and technology to deliver our borrower’s the best possible lending experience. 

Our Story

Founded in 2001, Ross Mortgage Company has spent the past twenty years cementing itself as a leading independent mortgage lender. What began with humble beginnings in a small office on a pair of folding tables has grown into something President Robert J. Kalagher never imagined when he and his father were brainstorming what to name the company. The pair eventually landed on Ross, a name that pays homage to Kalagher’s grandmother who instilled the value of doing things the right way. It’s that value that has allowed Ross Mortgage to withstand the highs and lows of the mortgage industry over the past two decades. From the housing collapse of 2008 to the refinance boom of 2020, Kalagher’s company provides its borrowers with a sense of stability and level of trust few mortgage companies can.

For Robert and the rest of the dedicated individuals who make up the now fifty person plus team at Ross, it’s always been more than mortgages. It’s about the excitement in the voice of a first time home buyer who can’t wait to plant roots, the look of relief from a pair of grandparents who unlock the ability to refinance their life long home rather than sell it, and the beaming smiles on the faces of a couple who’s years of hard work finally resulted in the vacation home of their dreams. 

We understand a mortgage isn’t something you hold, not something you can touch, but rather a vehicle driving change and new life into communities. In essence it’s what inspires Ross to be such an active member of the community – the belief that profit is only as valuable as what you do with it. For Robert and his team that means supporting organizations like the New England Center for Children, a world class institution improving the lives of those with autism. Forging relationships that run deeper than a dollar has sparked partnerships that motivate our team every day. 

Today, Robert and the team at Ross Mortgage are focused on propelling the company to a new level of success. Doubling down on our commitment to doing things the right way means you won’t find us pushing borrowers in one direction or another. Rather we believe in educating and empowering those borrowers to make the best possible financial decisions for themselves. At the end of the day, it’s on all of us to build a diverse, tight knit community. 

Our Core Values

Promote positive changes in our community 

Empower all individuals to acquire the knowledge they need to make strong financial decisions 

Support those around us – both inside and outside our office 

Lend ethically 

Leverage advancements in technology to create the best possible lending experience

Ross Mortgage Through The Years

The company is founded by Robert J. Kalagher and his father. The pair name it Ross Mortgage Company paying homage to his late grandmother who instilled the value of doing things the right way. 

Ross Mortgage launches its “Closing Guarantee Program.” Offering both borrowers and realtors confidence their loan will close on time, every time. 

Eager to expand, Ross begins lending in the state of New Hampshire.

Ross earns approval as a lender for the USDA program, a direct endorsed lender for the Federal Housing Administration, and Veteran’s Administration. 

Ross expands south for the first time adding Rhode Island to the states its licensed to lend in. 

Facing growing demand for origination services in the state of Connecticut, Ross becomes an approved lender in the state. 

The company relocates its headquarters to Westborough, Massachusetts where it is still based today.

Ross adds its second office in Leominster, Massachusetts increasing its presence in southern New Hampshire and Apple Valley. 

Bob Kalagher launches a weekly radio show in the Boston media market entitled “Money Matters Radio” 

Continuing with expansion Ross begins to lending in the state of Maine. 

Ross Mortgage adds its sixth state of license and expands into the state of Florida. 

Ross expands with the addition of a team lending team in Danvers, Massachusetts cementing its status in the Boston metro market.  

Ross adds its fourth office with the addition of a permanent location in New England’s second largest city, Worcester. 

Eager to serve it’s borrowers and assist local businesses in the benefits they offer their employees Ross launches its exclusive mortgage benefits program. 

A relationship with Massachusetts General Hospital is formed to offer MGH’s employees access to mortgage discounts, unique employee appreciation events, and educational resources. 

In the midst of the COVID-19 pandemic, Ross steps up to the plate and donates thousands of meals to front line workers in Massachusetts hospitals. 

Ross Mortgage partners with world renowned institution, The New England Center for Children to offer its incredible staff exclusive mortgage benefits. 

Ross adds Vermont as its seventh state we are licensed to lend. 

An exclusive partnership with LiUNA is announced, providing regular financial education to its more than 10,000 members.