Mortgage lender · West Hartford, CT

Sell smarter with John Kirkutis.

John Kirkutis partners with Zoom Casa so you can see exactly what your home would net (cash offer, repairs covered, the works) before you list, and before anyone asks for your contact info.

Start here · No email required

See your offer first.

No email needed yet. See what you'd net first. John Kirkutis stays your point of contact start to finish.

John Kirkutis
About John Kirkutis

A real person, on your side.

Buying your next home before selling your current one can feel overwhelming, especially when your equity is tied up in your existing property. The good news is that you don't have to navigate those challenges alone. I work with many homebuyers who need to sell their current home before purchasing their next one. Whether you're concerned about accessing your equity, making a competitive offer, or coordinating both transactions smoothly, your problems are my solutions. One of the biggest obstacles move-up buyers face is unlocking the equity in their current home. That's why we offer innovative Cash Offer solutions that can help you leverage your existing equity and strengthen your buying power, allowing you to pursue your next dream home with confidence and compete more effectively in today's market. At William Raveis Mortgage, we are a premier mortgage banking firm with direct access to many of the nation's leading lenders. This flexibility allows us to shop for the best financing options and tailor mortgage solutions to your specific needs. My mission is simple: to secure the best possible interest rate and loan program for your unique situation while delivering outstanding, stress-free service every step of the way. From pre-approval through closing, I am committed to providing expert guidance, clear communication, and a seamless mortgage experience. Whether you're purchasing your first home, moving up to your forever home, or exploring specialized financing options, I am here to help you achieve your homeownership goals with confidence. John Kirkutis VP, Mortgage Banker William Raveis Mortgage "Expert Guidance. Competitive Financing. Exceptional Service."

What John Kirkutis can put to work

Three programs. One recommendation.

John Kirkutis stays your agent of record. Zoom Casa is the underwriter and operational backstop behind the offer, never the salesperson.

Up to 85% up front, less reserves. The remaining balance (minus a one-time program fee) is paid when the home resells on the open market. Final terms are issued in writing. Not all properties qualify.

The standard

One standard. Six rules. Every consultant.

Whichever consultant you talk to, these are the things they will not bend on. They are the operating creed John writes for the floor: Casa Core. Now you get to hold us to them.

  1. 01
    Your offer is back in 24 hours.
    Underwritten by hand by your consultant before they call. No "we strive to," no "times may vary." Twenty-four hours.
  2. 02
    If the math doesn't work, we tell you.
    Same call. We'd rather lose a deal cleanly than win one with pressure. If a different option fits better (listing traditionally, a HELOC, sitting tight), we say so.
  3. 03
    You get one named human, start to close.
    Direct line, direct email. The same consultant from offer to keys. Not a rep, not a queue, not a "your account is being transferred to."
  4. 04
    Every fee is on the term sheet.
    Program fee, holdback, closing math, the upside split, all on one page, all in plain numbers. No "subject to underwriting," no surprises at signing.
  5. 05
    You keep the upside. We document the floor.
    Cash Offer+ pays you up to 85% upfront in as fast as 10 to 15 days; the remaining 15%+ (minus fee) comes back when the home re-sells. We earn on the program fee, not on your equity.
  6. 06
    No pressure language. Anywhere.
    No countdown timers. No "act fast." No "limited spots." If the deal works for both sides, both sides will know within an hour of the call.

Start with John Kirkutis.

Put your address in the box above and you’ll have an underwritten offer back within 24 hours, reviewed with John Kirkutis of William Raveis Mortgage. If your math already works, the call is short. If it doesn’t, you’ll hear that on the same call.