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Kimberly Ferraro

Kimberly Ferraro


Mortgage Calculators


Loan Programs





About Kimberly

I have over 12 industry years as a Home Mortgage Consultant. My goal is to help each client I work with customize the best loan program when purchasing or refinancing their home. As a homeowner myself, I understand the joy and stress that goes into purchasing a home. My goal is to fully educate borrowers on different loan programs and help them find the best fit so they feel 100% confident during this big step in their lives. I look forward to working with customers to help guide them through the mortgage process and make their experience with Northern States Mortgage as seamless and enjoyable as possible. I am committed to following up with customers so they are fully informed and comfortable every step of the way.

I’ve lived in Western PA since 1993. Prior to that; I have lived in Cape Cod Massachusetts and Michigan. I have two beautiful children Julianna 9 and Patrick 7.

Here are what some of Kim's clients are saying on Zillow: (https://www.zillow.com/lender-profile/Kimberly%20a%20Ferraro/#reviews)


Highly recommend

K Peters from Mercer, PA

Kim made the purchase of our new home seamless. She was very responsive and helpful with any questions we had. Kim always kept us in the loop with what the next process would be and what to expect.



zuser201703301056401 from Clairton, PA

I needed to refiance my home due to a divorce and was not sure I would be able to do so. My credit had taken a hit and Kim did everything she could to make the process easy for me. She kept me sane and focused when I thought I was losing my home and my sanity at times. She is an asset to not only her agency but for anyone that she works with. I am deeply grateful and appreciative of her support in a very difficult time in my life. THANK YOU SO MUCH KIM!!!


Without her, we would not have a home!

NewOwners15227 from Pittsburgh, PA

What started as a smooth process became anything but, and Kim worked like crazy to make things happen for us! She came up with multiple options to make a home purchase financially possible. She explained everything well, in a manner first time home-buyers could understand. Overall, the process was not easy, but made much less difficult thanks to Kim.


dream home


Contact Kimberly

Kimberly Ferraro

NMLS# 155949



322 South Main Street
Zelienople , Pennsylvania 16063

State Licenses: CT, PA



Trusted Partner

I want to earn your business for life. You can also count on me to help your family and friends whenever they need a mortgage.

Great Rates

We offer some of the best rates in the industry. As a broker, we can shop your loan to multiple lenders to get you the best rate.


Getting a mortgage requires a lot of communication. Our team will remain in constant contact with you throughout the process.

Close on Time

I know that time is of the essence whenever you’re buying or refinancing a home. I am committed to a quick and efficient closing.


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