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At Right Key Mortgage, we educate our borrowers to make this a worry-free process, from pre-qualification to close – that’s our promise to you.

Right Key Mortgage, LLC. is a licensed mortgage broker in the states of Massachusetts, New Hampshire, Rhode Island, Connecticut, Georgia & Florida.

Finding a great mortgage broker is the first step to Home Buying, Refinance or Investments. We offer low rates and the best customer service. At Right Key Mortgage, we educate our borrowers to make this a worry-free process, from pre-qualification to close – that’s our promise to you!

We're here to make the home loan process as simple as possible. We work very hard for our customers because nothing pleases us more than helping our clients achieve the dream of affordable home ownership.

Don't believe the common misconception that a local bank is your best option! Independent mortgage professionals are often the best choice.

What makes us different?

1.) We specialize in mortgages only, it's all we do! Unlike banks who offer many other loan options (auto, boat etc..) and therefore do not have mortgages as its main focus.

2.) We are licensed mortgage experts who must consistently undergo continuous training. Banks are not required to be licensed and are not held to the same standards and regulations as we are!

3.) We partner with dozens of lenders to offer a wide variety of loan products, so you have many different options to choose from. Banks only offer a very limited amount of in house products, which may not be the best fit for your needs.

4.) We are very often able to offer lower rates and cheaper costs due to less overhead and the fact we do not carry debt! Banks typically pass those costs on to you!

We want to add you to our list of very satisfied customers!



The friendly staff at Right Key Mortgage is here to serve you.

Talita Guerrero – NMLS # 49363

Talita Guerrero is a senior loan officer and partner at Right Key Mortgage LLC. She has been in the mortgage business for over a decade and has consistently been recognized for her high level of production and superior customer service. Talita has found success in the mortgage business for many reasons but most notably for always putting the customer first.  Her business continues to grow thanks to word-of-mouth referrals because of the superior customer service she provides.

Talita moved from Brazil to the US as a child, she speaks English, Spanish and Portuguese fluently and she is very passionate about helping and educating her community about making smart financial decisions for their future in the US. She has been featured on the cover of Top Agent Magazine and is a member of the Forbes Boston business council. She studied business with a concentration in management and earned a bachelor’s degree from UMass Boston. She currently lives in Freetown with her two children and when she is not busy closing loans, she loves being outdoors, traveling and caring for her animals.





David Luczkow – NMLS # 1241452

David Luczkow is a Senior Loan Officer with Right Key Mortgage. He brings over 25 years in real estate lending, investment and finance experience to the residential mortgage industry. While Dave has worked with several major real estate investment firms and Wall St banks in the past (he left that industry several years before the 2008 collapse to return home to Boston), his great joy is to work with people, to serve homebuyers and homeowners providing sound advice and great customer service on the largest financial transaction most people will ever make in their life. After working in NY on Wall St it became apparent to Dave that most people’s largest investment is not in the stock market – it’s in their home, and he decided to use his skills to help his clients make smart financial decisions with their home and mortgage.

Dave is married with 2 sons and one daughter and lives in Scituate MA. He graduated from the Wharton School of Business with an MBA in Finance and an MA in International Studies (Latin America), and Dartmouth College majoring in Economics. Dave also serves as the Treasurer of Crossroads Worship Center in Weymouth and volunteers coaching soccer. He still plays soccer despite his advancing age and loves to ski, bike and golf as well. He speaks Spanish and has studied abroad in Spain, Mexico and Paraguay.



Raphael De Souza – NMLS # 1459108

Raphael De Souza is a Loan Officer at Right Key Mortgage LLC. He has been in the real estate industry for about half a decade, and is always reaching for higher goals year after year. As part of the millennial generation he comes with specific skills that are strongly recommended for the mortgage industry. These skills include innovation, technology, customer service, along with many more! He doesn’t view closing loans as just a number for his job, but lives every moment with his clients striving to have them satisfied knowing that their dream of being a homeowner has been a success.

After witnessing his family’s financial difficulties in the economic crisis of 2008, as an early teenager, he knew what he wanted as a career. He rapidly excelled in the real estate industry with a mission to help future families with their goals (and dreams) of purchasing a home the correct way. Raphael came from Brazil when he was still a child, where his mother and father came to the United States for the pursuit of happiness. He has been studying finance in college and is on the verge of earning his Bachelor’s Degree. He currently lives in Saugus, MA where in his free time, he enjoys spending his time with family, doing outdoor activities (along with many sports), and touring the world.




Sandro Pansini Sousa – NMLS # 1624452

Sandro Pansini Souza is a Loan Officer at Right Key Mortgage LLC.  He speaks a variety of languages including English, Spanish and Portuguese and has always possessed a passion for helping people to increase positive experiences amongst family, friends and in the Brazilian community.  Always a self-learner, he felt the need to assist others in attaining the dream of home ownership. 

Sandro came to the United States over 20 years ago to pursue an education, where he attended both Campbellsville University and Southern Baptist Theological Seminary.  He is the founder of the “Just Fellowship Foundation”, a non-profit to advance media exposure to other non-profit organizations and also serves as a Minister of Christian Education at the First Brazilian Baptist Church of Greater Boston.  He is a devoted family man to his wife Luciana and his beloved son David as well as to his community church in Peabody, Massachusetts. 


Charli Wambolt-Duarte – NMLS # 1687421

Charli is a loan officer for Right Key Mortgage, LLC.  Although she married and became a mother and homemaker early on in life, she didn’t let it stop her aspirations for a professional career. She graduated from Framingham State University with two Bachelor’s degrees, Magnum Cum Laude and went on to teach in the public and private school systems in a variety of capacities. She has spent the last 5 years handling customer service, employee training and has a range of experience in social media, up-to-date technology and is passionate about helping people acquire their dreams for a better life and purchasing that well-deserved home.

She and her Brazilian husband have been married for 12 years, have 3 very active children in the community and has learned the Portuguese language in order to provide a higher degree of care and service for her clients. She values her faith, family, fitness and home but prioritizes her clients no matter what day of the week it is and remains available, accessible and honest.



Carrie Polys – NMLS # 697309

Carrie has been a mortgage loan officer for over 15 years.  She started young in the industry as an auditor for a mortgage company department while taking several courses in finance.  This wealth of experience and knowledge has propelled her to being one of the top producers in the industry!  She cares very deeply for her clients and business partners, which shows through in each of her transactions.  

She has been married for over 20 years, has two grown children whom she adores and lives in Hampden, MA.   She really loves her job and works all over MA, CT, GA and New Hampshire to help people with credit repair and smooth closings.