Harbor Mortgage Professionals


George Downey


With more than four decades of mortgage experience, George continues to demonstrate commitment to the mortgage industry, the community at large, and our clients, especially senior homeowners.

Industry Service: George is a Director on the board of the National Reverse Mortgage Lenders Association. Previously, served thirteen years on the board of the MA Mortgage Association; an education member of the MA Chapter of the National Academy of Elder Law Attorneys; and, continues actively promoting legistative reform for MA senior homeowners. Additonally, he has authored numerous articles on senior financing and related issues; and, is a frequent guest speaker on radio shows and public forums promoting senior education and best practices for reverse mortgages and retirement planning.

Community Service:  George has been a long time activist in community service serving on the Board of Directors of the Greater Boston Food Bank, President of the Boston College Alumni Association (where he co-founded Second Helping, one of the nation's first perishable food recovery programs).  Additionally, he was a co-founder and Board Chair of Christmas in April*Boston (renamed Rebuilding Together® Boston), a charity that repairs and refurbishes the homes of low income families and senior homeowners in the Greater Boston area.  

Credits: In 1995, Boston College presented George the William V. McKinney Award (the highest award the University grants a graduate for contributions to society honoring the Jesuit mission of educating men and women for the service of others).  In 2003 Presidents George H.W. Bush and George W. Bush awarded him the President's Daily Point of Light award.  That same year, Governor Mitt Romney conferred the Massachusetts Point of Light Award recognizing his role in developing the Rebuilding Together Boston program serving elder and needy homeowners in Massachusetts.


Chris Downey


Leading the Harbor team of experienced mortgage professionals along with his dad, George, Chris is responsible for the oversight of conventional mortgage activities at Harbor, as well as the general management of the firm.

A graduate of Providence College with a B.S. degree in accounting, Chris began his career as a registered representative and operations manager at a securities broker dealership. He joined Harbor Mortgage in 1986 as a mortgage loan originator. Chris was named vice president of Harbor Mortgage Solutions in 1997, and succeeded his father as president in 2004. Chris has also been an active volunteer in community service programs, including Big Brothers Big Sisters, the Greater Boston Food Bank, Second Helping, and Rebuilding Together® Boston (formerly Christmas In April * Boston).


Brett Kirkpatrick

A mortgage professional for over 20 years, Brett Kirkpatrick has specialized in the FHA reverse mortgage program since 2001.  Committed to educating consumers as well as allied professionals, he presents public seminars, teaches continuing education courses, and is a frequent speaker at national conferences. The industry’s trade association (NRMLA) sponsors a certification program that recognizes the most experienced, educated and ethical loan officers with the Certified Revere Mortgage Professional designation (CRMP); since 2010, Brett has chaired the committee that designs and oversees the CRMP program.

Brett is a past Board Member of the Mass. Mortgage Bankers Association, and participates in the Mass.Community Banking Council and the Mass. Financial Education Commission.  He enjoys gardening, pick-up basketball, and singing in the church choir.

Lillian-arevian-harbor-mortgage-solutionsLillian Arevian

Mortgage Professional

Lillian has been a lifelong resident of the South Shore and has worked in the Reverse Mortgage industry for over 12 years. Grand parenting is her favorite pastime; however she does admit that she enjoys her garden club and her yard. Lillian’s other passion is cooking and experimenting with new recipes. Being very family oriented, Lillian encourages family involvement in the Reverse Mortgage process. Lillian feels strongly that knowledge is key to a sound decision.


Bob Cronin

Mortgage Professional

Born and raised in Weymouth, Bob Cronin moved to Cape Cod with his then young family in 1981. He now has three grand children. Having spent most of his adult life in the financial services industry, the transition to the reverse mortgage field about 13 years ago was easy and exciting. Bob has seen how a properly constructed reverse mortgage can enhance a financial future, but he concedes that a well informed client is vital to a plan’s success. Tinkering and sailing his boat are among his favorite pastimes.




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