Connecticut Real Estate Lenders & Capital Sources
- Conventional & Conforming Lenders: Backed by Fannie Mae and Freddie Mac, these institutions provide standardized 15- and 30-year fixed loans with the lowest interest rates for primary residences and prime-credit borrowers.
- CHFA & State-Sponsored Lenders: State-subsidized programs through the Connecticut Housing Finance Authority offering below-market rates, low down payments, and forgivable down payment assistance (such as Time-to-Own) for first-time buyers.
- Portfolio Lenders (Local Banks & Mutuals): Community banks and credit unions that hold loans directly on their balance sheets, allowing flexible underwriting for historic colonials, unique acreage, non-warrantable condos, and mixed-use properties.
- Non-QM & DSCR Lenders: Non-traditional financing for self-employed buyers and investors that qualifies deals using 12–24 month bank statements or property rental cash flow (Debt-Service Coverage Ratio) rather than personal tax returns.
- Hard Money Lenders: Private, asset-based bridge lenders that prioritize property After-Repair Value (ARV) and speed over credit scores, financing 6–18 month gut-rehabs, fix-and-flips, and distressed acquisitions.
- Private Money Lenders & Family Offices: Wealthy individuals and boutique equity funds offering discretionary, relationship-driven capital with flexible equity-or-debt structures for luxury builds and non-bankable land deals.
- Commercial Real Estate (CRE) Lenders: Institutional capital (LifeCos, CMBS conduits, regional commercial banks, and SBA loans) structured for 5+ unit apartment complexes, industrial conversions, and retail centers.
- Mezzanine & Real Estate Angel Investors: Subordinate capital providers who bridge the 15%–30% gap between senior bank debt and developer equity in large-scale multi-family or historic mill developments.
- Mortgage Brokers vs. Direct Lenders: Direct lenders originate and fund loans in-house, while mortgage brokers act as independent wholesale shoppers who match your financial profile across multiple competing lenders to secure optimal pricing.
Connecticut Mortgage Rates 2026:
Pre-Approval, CHFA Loans & How to Win in Today’s Market
Renovation ADU Financing Condo Financing CHFA Next Move
Connecticut Benchmark Mortgage Rates
Market averages for top-tier prime borrower profiles across Connecticut.
| Loan Program | Term | Benchmark Rate | Primary Purpose |
|---|---|---|---|
| 30-Year Fixed Conventional | 30 Yrs | 6.65% – 6.85% | Primary / Move-Up |
| 15-Year Fixed Conventional | 15 Yrs | 5.95% – 6.25% | Rapid Equity / Refi |
| FHA 30-Year Fixed | 30 Yrs | 6.15% – 6.40% | 3.5% Down / 1st Time |
| VA 30-Year Fixed | 30 Yrs | 6.10% – 6.35% | 0% Down Military |
| Jumbo Coastal 30-Year | 30 Yrs | 6.75% – 7.10% | Luxury / Shoreline |
Pricing varies by credit tier, LTV, and lock duration. Call William Lavigne (860-585-6285) for direct wholesale lock confirmation.
Connecticut doesn’t just have a housing market. It has a financing landscape.
Whether you are a first-time home buyer in Connecticut, refinancing a shoreline property, buying a multifamily in Hartford, or building on raw land in Litchfield County, your mortgage strategy determines whether the deal builds wealth — or pressure.
Connecticut Mortgage Resources:
- Things To Avoid After You Apply for a Mortgage
- Connecticut Mortgage Options
- The Complete First-Time Homebuyer Guide to Connecticut 2026
- Why William Lavigne
- Conventional Loans
- FHA Loans in Connecticut
- VA Loans Connecticut
- USDA Loans CT
- CHFA Loans
- Jumbo Loans Connecticut
- Mortgage Pre-Approval CT
- Refinancing in Connecticut
- Investment Property Loans
- Construction Loans Connecticut
The Bottom Line – Ready to Get Pre-Approved? Apply Here – Takes 5 Minutes
Why William Lavigne Is Our Top Recommended Lender for Connecticut Mortgages
32+ years serving Connecticut families • Local underwriting team in Milford • Fastest cell response in the state • Specializes in CHFA, construction-to-perm, jumbo shoreline, and first-time buyer programs.
Call William on his cell for the fastest service: 860-585-6285
[email protected]
Ready To Get Started? Apply Here
1. Conventional Loans (Fannie Mae & Freddie Mac)
The backbone of Connecticut home financing.
2. FHA Loans in Connecticut
Call William Lavigne on his cell for the fastest service
860-585-6285 Email Apply Here
Connecticut mortgages aren’t just about borrowing money. They are about building leverage — safely, intelligently, and for the long term.
What Actually Determines Your Mortgage Rate?
Your final note rate is shaped by two distinct forces: macro market currents you can’t control, and transaction levers you can optimize.
🌐 Macro Market Currents (Macro / Out of Your Control)
- Federal Reserve Policy & Prime Rate: Influences broader lending liquidity and short-term debt.
- 10-Year Treasury Yields: The primary institutional benchmark for long-term fixed mortgage pricing.
- Mortgage-Backed Securities (MBS): Daily trading yields directly move wholesale lender rate sheets.
- Inflation & Economic Reports: CPI data, job growth, and GDP metrics drive bond yield volatility.
- SOFR & Overnight Financing: The Secured Overnight Financing Rate benchmark for adjustable instruments.
- Secondary Market Pricing Fees: Loan-level price adjustments set by Fannie Mae and Freddie Mac.
⚖️ Deal & Borrower Levers (Your Specific Transaction)
- Credit Tier & History: Middle credit score drives base tier pricing and PMI rates.
- Equity Baseline (LTV / CLTV): Down payment percentage and second-lien financing ratios.
- Occupancy & Asset Typology: Primary home vs. investment asset; single-family vs. 2–4 unit or condo.
- Loan Architecture: Conforming, FHA, VA, USDA, Jumbo, or Non-QM bank statement debt.
- Structure & Execution: 15- vs. 30-year terms, permanent buydowns (discount points), and lock windows (15–60 days).
- Reserves & Escrow Flexibility: Verified post-close liquidity, gift funds, and tax/insurance escrow setup.
FAIRFIELD COUNTY REAL ESTATE MORTGAGE DIRECTORY
Total Mortgage Services – Bethel | NMLS #2879 | 158 Greenwood Ave, V-101, Bethel, CT 06801 | Specializes in fast-track digital pre-approvals, CHFA first-time homebuyer assistance, and FHA/VA purchase loans across Northern Fairfield County. The branch works directly with local settlement agents and area real estate counsel to ensure rapid underwriting turnarounds and seamless escrow closings for primary homes and investment assets. | (203) 783-4523
Newtown Savings Bank – Bethel | NMLS #406080 | 68 Stony Hill Rd, Bethel, CT 06801 | Delivers community-focused portfolio lending, custom jumbo mortgages, and home equity lines of credit (HELOC) for homebuyers in Bethel and Greater Danbury. Their lending team structures residential purchase loans, bridge financing for move-up buyers, and tailored refinancing solutions with local underwriting. | (203) 426-4440
First County Bank – Bridgeport | NMLS #411487 | 10 Middle St, Bridgeport, CT 06604 | Offers local portfolio residential lending, down payment assistance programs, and fixed/ARM purchase loans across Bridgeport and surrounding coastal areas. As a Connecticut mutual community bank, their originators emphasize tailored community lending, CHFA first-time homebuyer financing, and internal file processing. | (203) 462-4400
M&T Bank Mortgage – Bridgeport | NMLS #38107 | 850 Main St, Bridgeport, CT 06604 | Provides full-service mortgage origination, low-down-payment purchase programs, and government-backed lending solutions throughout the Greater Bridgeport metro. The branch specializes in CRA-eligible lending programs, FHA/VA purchase loans, and conventional single-to-four-family financing. | (203) 384-5212
Flagstar Bank Home Loan Center – Danbury | NMLS #1703 | 100 Mill Plain Rd, Suite 4A, Danbury, CT 06811 | Delivers direct residential lending, high-balance financing, and specialty niche programs across Greater Danbury and Northern Fairfield County. The branch offers conventional purchase loans, doctor/professional loan programs, non-QM solutions, and renovation financing with local legal coordination. | (203) 526-5969
Union Savings Bank – Danbury HQ | NMLS #446153 | 226 Main St, Danbury, CT 06810 | A historic mutual community bank providing residential mortgages, custom jumbo portfolios, and construction lending across Danbury and Candlewood Lake. Their lending team structures land loans, new construction financing, and customized portfolio products with localized credit decisions. | (203) 830-4200
Chase Home Lending – Darien | NMLS #399798 | 455 Post Rd, Darien, CT 06820 | Delivers private client mortgage solutions, premier jumbo financing, and customized purchase structuring along Darien’s coastal corridor. Their home lending advisors specialize in complex asset-depletion qualification, high-net-worth liquidity management, and high-balance purchase commitments. | (203) 655-7771
Bankwell – Darien | NMLS #462232 | 1065 Boston Post Rd, Darien, CT 06820 | Offers relationship-focused residential portfolio loans, bridge financing, and custom jumbo mortgages for buyers across Darien and Lower Fairfield County. Focuses on flexible underwriting criteria for entrepreneurs, real estate investors, and high-asset individuals requiring tailored debt structures. | (203) 652-2660
CrossCountry Mortgage – Fairfield | NMLS #1670848 | 46 Miller St, #1, Fairfield, CT 06824 | Delivers direct residential loan origination, same-day pre-approvals, and structured purchase financing across Fairfield and coastal Connecticut. The team handles conventional Fannie/Freddie loans, CHFA first-time homebuyer programs, high-balance jumbo financing, and investor cash-flow (DSCR) products. | (203) 635-6757
Total Mortgage Services – Fairfield | NMLS #1054942 | 1 Post Rd, Suite 2B, Fairfield, CT 06824 | Features a multilingual lending team delivering direct agency financing, renovation mortgages, and CHFA first-time homebuyer loans across coastal Fairfield. In-house processors and originators maintain close coordination with regional real estate attorneys to meet tight purchase contract deadlines. | (203) 707-5728
Chase Home Lending – Fairfield | NMLS #399798 | 1401 Post Rd, Fairfield, CT 06824 | Delivers conventional purchase mortgages, jumbo coastal financing, and home equity lines for buyers in Fairfield, Southport, and Greenfield Hill. Lending advisors work directly with closing attorneys to structure rate locks, private client relationship discounts, and rapid pre-approvals. | (203) 255-0142
U.S. Bank Home Lending – Greenwich | NMLS #402761 | Greenwich Ave Financial Center, Greenwich, CT 06830 | Provides specialized jumbo lending, multi-million-dollar purchase financing, and customized portfolio solutions across Greenwich and Backcountry estates. Originators structure complex transactions incorporating trust ownership, self-employed earnings, and non-traditional asset schedules. | (203) 512-3918
Bank of America Home Loans – Greenwich | NMLS #399802 | 240 Greenwich Ave, Greenwich, CT 06830 | Delivers private bank mortgage underwriting, high-balance jumbo loans, and custom relationship pricing for Gold Coast residential purchases. The office specializes in luxury real estate financing, interest-only structures, and seamless escrow coordination with listing brokerages. | (475) 330-3829
Bankwell – New Canaan | NMLS #462232 | 156 Cherry St, New Canaan, CT 06840 | Originates bespoke residential mortgages, luxury portfolio debt, and custom construction financing for buyers throughout New Canaan and Lower Fairfield County. Local credit officers provide responsive underwriting tailored to high-net-worth borrowers, entrepreneurs, and complex asset profiles. | (203) 966-7080
Fairway Independent Mortgage – Norwalk | NMLS #2289 | Norwalk Regional Office, Norwalk, CT 06851 | Provides retail mortgage banking, government-insured loans, and fast-track pre-approvals for buyers across Norwalk and Rowayton. Originators specialize in FHA/VA purchase financing, conventional first-time buyer structures, down payment assistance, and rapid closing turnarounds. | (203) 847-1900
Webster Bank – Norwalk | NMLS #2826 | 179 East Ave, Norwalk, CT 06855 | Provides commercial and residential mortgage originations, portfolio jumbo financing, and home equity credit lines across Greater Norwalk. Lending officers offer fixed-rate conventional loans, medical professional mortgages, and custom construction-to-permanent options with regional processing. | (203) 854-7600
Fairfield County Bank – Ridgefield HQ | NMLS #516624 | 150 Danbury Rd, Ridgefield, CT 06877 | A premier mutual community bank headquartered in Ridgefield, delivering local portfolio residential lending, customized jumbo debt, and construction financing across Fairfield County. In-house credit decisions, servicing, and deep familiarity with historic colonials ensure smooth settlement execution. | (203) 431-7431
Forte Financial – Ridgefield | NMLS #117273 | Main Street Corridor, Ridgefield, CT 06877 | Independent boutique brokerage providing tailored mortgage solutions for self-employed borrowers, seniors, and first-time homebuyers throughout Ridgefield and Northern Fairfield County. Brokers shop wholesale lender networks to secure competitive pricing for non-standard asset and income scenarios. | (203) 438-5626
Mutual of Omaha Mortgage – Shelton | NMLS #1025894 | 4 Research Dr, Suite 402, Shelton, CT 06484 | Delivers full-service residential mortgage lending, VA purchase loans, and conventional/FHA refinancing options across Shelton and the lower Naugatuck Valley. Originators coordinate directly with buyers and closing agents to streamline loan approvals and ensure punctual contingency clearance. | (203) 290-2063
First County Bank – Stamford HQ | NMLS #411487 | 117 Prospect St, Stamford, CT 06901 | Directs residential portfolio lending, customized jumbo options, and community financing throughout Stamford. Their team provides first-time homebuyer grants, CHFA loans, multi-family financing, and tailored HELOC products with on-site underwriting for smooth settlements. | (203) 462-4400
Citizens Bank Mortgage – Stamford | NMLS #433964 | Harbor Point Lending Center, Stamford, CT 06902 | Delivers full-service residential mortgage lending, doctor loan programs, and super-jumbo financing for luxury condominiums and homes in Stamford. Originators structure portfolio products, rate-lock protection programs, and construction financing for coastal buyers. | (203) 351-4000
Citibank Mortgage – Westport | NMLS #412912 | 275 Post Rd E, Westport, CT 06880 | Delivers relationship-tier jumbo loans, luxury estate financing, and custom purchase underwriting across Westport, Greens Farms, and Weston. Lending specialists leverage private wealth assets for rate discounts, flexible debt-to-income tolerances, and bespoke refinancing structures. | (203) 222-2600
Total Mortgage Services – Westport | NMLS #2879 | Post Road Corridor, Westport, CT 06880 | Provides direct residential lending, rapid underwriting turnarounds, and comprehensive loan products for buyers in Westport and Lower Fairfield County. The office specializes in conforming high-balance purchase loans, bridge financing, jumbo products, and first-time buyer programs. | (203) 902-8800
HARTFORD COUNTY REAL ESTATE MORTGAGE DIRECTORY
Northwest Community Bank | NMLS #411494 | 101 Simsbury Rd, Avon, CT 06001 | Delivers portfolio residential mortgages, customized construction-to-permanent financing, and home equity solutions throughout Avon and the Farmington Valley. As a regional mutual financial institution, their lending group provides conventional fixed and adjustable loans, bridge financing for move-up buyers, and land acquisition debt with local credit approvals. | (860) 677-2809
Norcom Mortgage | NMLS #71655 | 38 Security Dr, Avon, CT 06001 | Operates its direct lending headquarters in Avon, providing full-service residential origination, automated underwriting, and wholesale rate execution across Connecticut. The firm specializes in CHFA first-time homebuyer options, VA/FHA loans, jumbo estate financing, and reverse mortgages with in-house processing. | (860) 676-8003
Thomaston Savings Bank | NMLS #469913 | 120 Farmington Ave, Bristol, CT 06010 | Delivers mutual community bank lending, down payment assistance, and flexible residential mortgages across Bristol and Western Hartford County. Their residential team provides CHFA first-time homebuyer loans, FHA/VA government options, and affordable housing grants alongside traditional portfolio products. | (860) 589-3000
First World Mortgage Corporation | NMLS #2643 | 127 Prospect Ave, West Hartford / Bristol Line, CT 06106 | Offers direct residential mortgage banking, fast rate-lock commitments, and automated pre-approvals for buyers throughout Bristol and Central Connecticut. The practice specializes in conventional agency loans, CHFA programs, zero-down USDA rural financing, and renovation loan packages. | (860) 584-9000
American Eagle Financial Credit Union | NMLS #758384 | 417 Main St, East Hartford, CT 06118 | A major regional credit union delivering competitive member portfolio lending, CRA first-time homebuyer grants, and flexible purchase loans across Greater Hartford. Originators provide tailored fixed-rate mortgages, zero-to-low down payment programs, and fast-track home equity lines of credit. | (860) 569-5550
CT Liberty Mortgage | NMLS #114256 | 1027 Farmington Ave, Farmington, CT 06032 | A full-service mortgage brokerage delivering tailored home purchase financing, rate comparisons, and loan restructuring across Farmington and Hartford County. Their brokers partner with wholesale lenders to provide conventional loans, non-QM bank statement programs for self-employed borrowers, and jumbo options. | (860) 674-8800
M&T Bank Mortgage | NMLS #38107 | Highland Park / Farmington Ave, Farmington, CT 06032 | Delivers full-scale mortgage origination, proprietary portfolio products, and low-down-payment purchase loans throughout Farmington and Greater Hartford. The lending team specializes in doctor and resident loan programs, high-balance conforming products, and home equity credit lines. | (860) 677-4618
Citizens Bank Mortgage | NMLS #433960 | 2400 Main St, Glastonbury, CT 06033 | Provides residential mortgage advisory, relationship-discount jumbo financing, and new construction loans for homebuyers in Glastonbury and the River Valley. Originators work with high-asset buyers, business owners, and corporate transferees on structured loan products with flexible debt-to-income limits. | (860) 659-3500
Webster Bank | NMLS #2826 | 1039 Main St, Glastonbury, CT 06033 | Provides commercial and residential mortgage originations, portfolio jumbo financing, and home equity credit lines across Glastonbury and Eastern Hartford County. Their lending officers offer fixed-rate conventional loans, medical professional mortgages, and custom construction-to-permanent options. | (860) 659-6700
Fairway Independent Mortgage – Hodgkins Team | NMLS #109-06103 | One Financial Plaza, Suite 109, Hartford, CT 06103 | Delivers retail mortgage advisory, rapid purchase pre-approvals, and down payment assistance programs from downtown Hartford. The team specializes in FHA/VA residential loans, conventional agency products, CHFA first-time buyer financing, and multi-family 2–4 unit investor lending. | (860) 966-0543
Sojourn Mortgage Company | NMLS #120935 | 15 Lewis St, Hartford, CT 06103 | Provides residential mortgage brokerage services, purchase rate structuring, and debt refinancing across Greater Hartford and Central Connecticut. The firm accesses wholesale lender networks to match clients with conventional, FHA, VA, and niche non-conforming loan products. | (860) 527-6600
Burke Mortgage | NMLS #122246 | 26 Robert Rd, Manchester, CT 06040 | Offers independent residential and commercial mortgage brokerage solutions, tailored rate shopping, and purchase advisory across Manchester and Eastern Hartford County. The practice assists first-time buyers, self-employed professionals, and real estate investors with conventional, FHA, VA, and USDA financing. | (860) 649-5363
Generation Mortgage | NMLS #114638 | 105 E Center St, Manchester, CT 06040 | Delivers family-owned residential mortgage brokerage services, purchase pre-approvals, and refinancing options throughout Manchester, Bolton, and Vernon. The company works with over 40 wholesale wholesale lenders to source competitive conventional, FHA, VA, and jumbo loan packages. | (860) 533-0404
McCue Mortgage Company | NMLS #2576 | One Liberty Square, 3rd Fl, New Britain, CT 06051 | A historic Connecticut residential mortgage banking and servicing institution headquartered in New Britain, operating continuously since 1949. The firm is widely recognized as a leading originator of CHFA loans, alongside FHA, VA, and conventional purchase products with in-house loan servicing. | (860) 224-2683
Liberty Bank | NMLS #459016 | 981 Hopmeadow St, Simsbury, CT 06070 | Delivers mutual community banking, residential portfolio lending, and construction loans across Simsbury, Granby, and the upper Farmington Valley. Their lending group provides local underwriting for custom home construction, renovation loans, jumbo mortgages, and first-time buyer CHFA programs. | (860) 408-5493
New England Home Mortgage | NMLS #108518 | 37 W Center St, Southington, CT 06489 | An independent brokerage delivering residential mortgage programs, rate-lock advisory, and purchase financing across Southington, Plantsville, and Central CT. The firm structures conventional fixed-rate options, FHA/VA loans, and cash-out refinancing packages through wholesale lending channels. | (860) 621-6462
First World Mortgage Corporation – HQ | NMLS #2643 | 127 Prospect Ave, West Hartford, CT 06106 | Operates its state headquarters in West Hartford as one of Connecticut’s top-ranked independent mortgage bankers and CHFA originators. The institution delivers conventional agency financing, FHA/VA purchase loans, jumbo mortgages, and proprietary down payment assistance. | (860) 233-5626
Province Mortgage Associates | NMLS #2861 | 75 Prospect Ave, West Hartford, CT 06106 | Delivers full-service retail mortgage lending, rapid pre-qualification, and purchase loan structuring across West Hartford and Greater Hartford. The branch specializes in conventional agency mortgages, FHA/VA products, doctor/professional loans, and jumbo luxury financing. | (860) 808-1600
Sanborn Mortgage Corporation | NMLS #3026 | 35 N Main St, West Hartford, CT 06107 | Has delivered residential mortgage advisory, personalized rate locks, and purchase financing in West Hartford Center for over three decades. The boutique firm specializes in conventional conforming loans, high-balance financing, relocation mortgages, and refinancing solutions. | (860) 561-4100
Total Mortgage Services – West Hartford | NMLS #1980860 | 65 LaSalle Rd, Suite 310, West Hartford, CT 06107 | Delivers direct residential lending, automated rate-locking tools, and custom purchase pre-approvals from the heart of West Hartford Center. Originators specialize in CHFA first-time homebuyer assistance, jumbo portfolios, FHA/VA options, and smooth escrow coordination. | (860) 325-0801
Welcome Home Mortgage | NMLS #118491 | 1331 Silas Deane Hwy, Wethersfield, CT 06109 | Provides full-service residential mortgage origination and loan consultation along the Silas Deane Highway corridor. The brokerage delivers fixed and adjustable-rate conventional loans, CHFA first-time buyer assistance, FHA/VA products, and new construction financing. | (860) 529-8880
Windsor Federal Bank | NMLS #472578 | 250 Broad St, Windsor, CT 06095 | A dedicated mutual community bank headquartered in Windsor, delivering localized portfolio residential lending, customized construction loans, and home equity products. In-house credit committees provide agile underwriting for primary residences, land parcels, and investment assets. | (860) 688-8511
Horizon Home Mortgage | NMLS #119854 | 34 Bloomfield Ave, Windsor, CT 06095 | Delivers direct residential mortgage brokerage services, rate comparisons, and purchase financing across Windsor and Northern Hartford County. The company structures conventional agency loans, USDA zero-down programs, FHA/VA products, and investor debt-service options. | (860) 285-8665
LITCHFIELD COUNTY REAL ESTATE MORTGAGE DIRECTORY
Litchfield Bancorp (Division of Northwest Community Bank) | NMLS #510148 | 294 West St, Litchfield, CT 06759 | Delivers dedicated mutual community bank lending, residential purchase mortgages, and land acquisition financing throughout the historic Litchfield Hills. The institution provides conventional fixed-rate terms, flexible home equity lines, customized construction-to-permanent loans, and portfolio solutions for non-standard acreage parcels with local underwriting. | (860) 567-9401
Union Savings Bank – Litchfield | NMLS #446153 | 13 North St, Litchfield, CT 06759 | Provides residential purchase loans, jumbo mortgages for country estates, and customized refinancing options across Litchfield, Morris, and Goshen. Their lending group structures first-time buyer CHFA programs, home improvement debt, and portfolio lending tailored to self-employed or asset-based borrowers. | (860) 567-0875
Northwest Community Bank – New Hartford | NMLS #510148 | 141B Main St, New Hartford, CT 06057 | Delivers community-driven residential lending, USDA rural home financing, and vacant land loans along the Farmington River corridor in New Hartford. Their mortgage team offers fixed and adjustable conventional mortgages, home construction packages, and streamlined refinancing backed by local underwriters. | (860) 693-8397
Union Savings Bank – New Milford Regional Lending | NMLS #446153 | 169 Danbury Rd, New Milford, CT 06776 | Operates a major regional lending hub in New Milford, delivering comprehensive residential mortgage products across the Route 7 corridor and Candlewood Lake. The branch specializes in conventional agency mortgages, lakefront property jumbo loans, CHFA down payment assistance, and construction-to-perm financing. | (860) 350-2500
Savings Bank of Danbury – New Milford | NMLS #411481 | 55 Main St, New Milford, CT 06776 | Delivers mutual community bank portfolio lending, first-time homebuyer solutions, and jumbo purchase loans for buyers across New Milford, Sherman, and Bridgewater. Their team structures zero-to-low down payment programs, FHA/VA options, and customized bridge financing for move-up buyers. | (860) 355-6670
Salisbury Bank (Division of NBT Bank) | NMLS #405786 | 5 Bissell St, Lakeville, CT 06039 | Delivers private client mortgage advisory, high-balance jumbo loans, and country estate purchase financing across Salisbury, Lakeville, Sharon, and the Northwest Corner. The lending team specializes in historic property transactions, land conservation parcel financing, and custom portfolio debt for high-net-worth individuals. | (860) 435-9801
Thomaston Savings Bank – Corporate Headquarters | NMLS #469913 | 203 Main St, Thomaston, CT 06787 | Operates its corporate headquarters and primary residential mortgage lending division in Thomaston, serving buyers across the Naugatuck Valley and Central Litchfield County. The mutual institution provides CHFA first-time homebuyer loans, conventional agency products, FHA/VA financing, and local portfolio construction lending. | (860) 283-1874
Torrington Savings Bank – Main Office | NMLS #404919 | 129 Main St, Torrington, CT 06790 | Delivers mutual community mortgage banking, low-down-payment purchase loans, and home equity solutions across Torrington and Northern Litchfield County. Their lending division provides competitive conventional fixed-rate options, CHFA programs, home renovation loans, and portfolio financing for multi-family properties. | (860) 496-2152
Northwest Community Bank – Torrington | NMLS #510148 | 416 Winsted Rd, Torrington, CT 06790 | Provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions in Torrington and Harwinton. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines coordinated directly with local closing counsel. | (860) 482-3423
Thomaston Savings Bank – Watertown | NMLS #469913 | 565 Main St, Watertown, CT 06795 | Provides residential purchase loans, construction financing, and home equity credit lines for buyers across Watertown, Oakville, and Bethlehem. The branch originators specialize in CHFA down payment grants, conventional conforming loans, and specialized community housing programs. | (860) 274-1248
Ion Bank – Watertown Financial Center | NMLS #469908 | 553 Main St, Watertown, CT 06795 | Delivers mutual community lending, portfolio residential mortgages, and first-time buyer assistance for properties throughout Watertown and Southern Litchfield County. Their residential team offers conventional fixed/ARM products, medical professional loans, bridge financing, and customized home equity structures. | (203) 729-4442
Northwest Community Bank – Winsted Headquarters | NMLS #510148 | 86 Main St, Winsted, CT 06098 | Operates its primary administrative and mortgage lending headquarters in Winsted, providing community-oriented residential financing across Winchester, Colebrook, and Barkhamsted. The team originates conventional fixed-rate purchase loans, rural property packages, home construction mortgages, and municipal employee programs. | (860) 379-7561
Newtown Savings Bank – Woodbury | NMLS #406080 | 238 Main St S, Woodbury, CT 06798 | Delivers portfolio residential mortgages, custom jumbo financing, and home equity credit lines across Woodbury, Southbury, and Bethlehem. The lending group specializes in historic district purchase loans, acreage parcel debt, and bridge financing for transitional buyers with local underwriting. | (203) 263-4318
MIDDLESEX COUNTY REAL ESTATE MORTGAGE DIRECTORY
Liberty Bank – Chester | NMLS #459016 | 6 Main St, Chester, CT 06412 | Delivers community-focused residential mortgage lending, bridge loans, and home equity lines of credit throughout Chester and the Lower Connecticut River Valley. The mutual institution provides conventional fixed-rate purchase financing, first-time buyer CHFA programs, and customized renovation loan products with local underwriting. | (860) 526-0000
Essex Savings Bank – Chester | NMLS #440560 | 203 Middlesex Ave, Chester, CT 06412 | Provides dedicated mutual savings bank mortgage originations, River Valley portfolio purchase loans, and home equity credit lines. Originators assist residential buyers with conventional fixed-rate financing, custom construction packages, and historic property underwriting. | (860) 526-0000
Essex Savings Bank – Clinton | NMLS #440560 | 1 Main St, Clinton, CT 06413 | Provides full-service residential mortgage originations, shoreline portfolio loans, and construction-to-permanent financing across Clinton and coastal Middlesex County. Their lending officers offer conventional agency mortgages, waterfront property portfolio products, and tailored refinancing solutions. | (860) 669-0000
Liberty Bank – Clinton | NMLS #459016 | 8 E Main St, Clinton, CT 06413 | Provides retail residential loan origination, doctor/professional programs, and down payment assistance loans for homebuyers across Clinton and Westbrook. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines coordinated with local legal counsel. | (860) 669-5773
Webster Bank – Cromwell | NMLS #2826 | 534 Main St, Cromwell, CT 06416 | Provides comprehensive residential mortgage originations, jumbo financing, and medical professional loan programs for buyers in Cromwell and Northern Middlesex County. Their loan officers structure purchase financing, high-balance conforming debt, and custom refinancing options. | (860) 635-2311
Dutch Point Credit Union – Cromwell | NMLS #469926 | 30 Shunpike Rd, Cromwell, CT 06416 | Delivers member-focused residential portfolio lending, first-time homebuyer solutions, and competitive fixed-rate mortgages across Cromwell and Greater Hartford/Middlesex. The institution provides low-down-payment options, flexible underwriting guidelines, and tailored home equity credit lines. | (860) 563-2617
Liberty Bank – Deep River | NMLS #459016 | 151 Main St, Deep River, CT 06417 | Delivers dedicated mutual community bank lending, residential purchase mortgages, and land acquisition financing throughout Deep River and surrounding River Valley communities. The branch provides conventional fixed and adjustable loans, bridge financing for move-up buyers, and home equity credit lines. | (860) 526-5312
Liberty Bank – Moodus / East Haddam | NMLS #459016 | 26 Falls Rd, Moodus, CT 06469 | Provides retail mortgage originations, USDA rural development loans, and conventional purchase financing across East Haddam, Moodus, and the Salmon River region. Their residential originators guide buyers through government-insured loan options, CHFA programs, and private well/septic property guidelines. | (860) 873-8636
Liberty Bank – East Hampton | NMLS #459016 | 2 W High St, East Hampton, CT 06424 | Offers complete residential lending services, lakefront home portfolio loans, and purchase pre-approvals across East Hampton and Lake Pocotopaug. Their originators specialize in conventional fixed-rate options, home renovation loans, and home equity credit lines with in-house underwriting. | (860) 267-2517
Essex Savings Bank – Corporate Headquarters | NMLS #440560 | 35 Plains Rd, Essex, CT 06426 | Operates its primary administrative and mortgage lending headquarters in Essex, delivering bespoke shoreline portfolio financing across the Lower River Valley. The mutual institution specializes in luxury coastal mortgages, historic preservation properties, construction-to-permanent loans, and asset-based portfolio debt. | (860) 767-2573
Essex Savings Bank – Essex Village | NMLS #440560 | 9 Main St, Essex, CT 06426 | Delivers relationship-focused residential purchase loans, customized jumbo options, and home equity products in the heart of Essex Village. The lending group works directly with local conveyancing attorneys, wealth advisors, and listing brokerages on high-value residential transactions. | (860) 767-8238
Liberty Bank – Corporate Headquarters | NMLS #459016 | 291 Main St, Middletown, CT 06457 | Operates its corporate headquarters in Middletown as one of Connecticut’s largest mutual community mortgage lenders. The institution delivers conventional agency financing, CHFA down payment assistance programs, FHA/VA loans, and custom construction-to-permanent packages. | (860) 344-7200
NFM Lending – Middletown | NMLS #2681457 | 386 Main St, Suite 400, Middletown, CT 06457 | Provides direct residential mortgage banking, rapid digital pre-approvals, and purchase loan structuring across Middletown and Central Connecticut. The branch specializes in conventional agency loans, CHFA first-time homebuyer programs, FHA 203(k) renovation loans, and VA military financing. | (860) 358-0050
CMG Home Loans – Middletown | NMLS #2482144 | 93-97 Broad St, Suites 3 & 7, Middletown, CT 06457 | Provides retail mortgage originations, proprietary All-In-One loan products, and tailored purchase financing along the Broad Street corridor. The lending team offers conventional fixed/ARM mortgages, jumbo products, FHA/VA loans, and specialized HomeFundIt down payment gifting programs. | (860) 985-6266
Ascend Bank (Formerly GSB) – Old Saybrook | NMLS #517294 | 840 Boston Post Rd, Old Saybrook, CT 06475 | Delivers community portfolio lending, coastal jumbo mortgages, and customized purchase underwriting across Old Saybrook, Fenwick, and shoreline Middlesex. The lending team structures renovation packages, bridge loans for move-up buyers, and tailored solutions for self-employed borrowers. | (203) 458-5469
Essex Savings Bank – Old Saybrook | NMLS #440560 | 155 Main St, Old Saybrook, CT 06475 | Provides comprehensive residential mortgage originations, conventional fixed-rate options, and shoreline portfolio loans in Old Saybrook. Their loan officers assist first-time and luxury buyers with purchase financing, home construction packages, and streamlined refinancing. | (860) 388-3543
Liberty Bank – Portland | NMLS #459016 | 245 Marlborough St, Portland, CT 06480 | Delivers retail residential mortgage lending, CHFA first-time homebuyer assistance, and home equity lines of credit across Portland and the East bank of the Connecticut River. The branch provides conventional agency loans, low-down-payment purchase programs, and refinancing packages. | (860) 342-1244
Essex Savings Bank – Westbrook | NMLS #440560 | 2030 Boston Post Rd, Westbrook, CT 06498 | Provides relationship-focused residential purchase loans, shoreline property portfolio products, and home equity lines along the Route 1 corridor in Westbrook. Originators assist buyers with fixed-rate mortgages, jumbo financing for waterfront residences, and construction loans. | (860) 399-6234
NEW HAVEN COUNTY REAL ESTATE MORTGAGE DIRECTORY
Ascend Bank (Formerly GSB) – Branford Lending Center | NMLS #517294 | 61 N Main St, Branford, CT 06405 | Delivers community portfolio lending, shoreline jumbo mortgages, and customized purchase underwriting across Branford, Stony Creek, and Pine Orchard. The lending team structures renovation packages, bridge loans for move-up buyers, and tailored solutions for self-employed borrowers with local credit approvals. | (203) 458-5417
Liberty Bank – Branford Financial Center | NMLS #459016 | 1000 W Main St, Branford, CT 06405 | Provides dedicated mutual community bank lending, residential purchase mortgages, and land acquisition financing throughout Branford and coastal New Haven County. The branch offers conventional fixed-rate financing, first-time buyer CHFA programs, and home equity lines of credit with regional processing. | (203) 488-8381
Ion Bank – Cheshire Regional Lending | NMLS #469908 | 540 Highland Ave, Cheshire, CT 06410 | Delivers mutual community lending, portfolio residential mortgages, and flexible purchase pre-approvals for buyers across Cheshire and Central Connecticut. Their lending team structures conventional fixed/ARM products, medical professional loans, bridge financing, and customized home equity structures. | (203) 272-1661
Liberty Bank – Cheshire Branch | NMLS #459016 | 144 Highland Ave, Cheshire, CT 06410 | Delivers retail residential mortgage lending, low-down-payment purchase programs, and construction-to-permanent loans across Cheshire and Prospect. Their originators specialize in CHFA first-time homebuyer financing, conventional conforming debt, and home equity credit lines with in-house underwriting. | (203) 272-5301
Ascend Bank (Formerly GSB) – Corporate Headquarters | NMLS #517294 | 1 Park St, Guilford, CT 06437 | Operates its primary mortgage origination and banking center on the historic Guilford Green, delivering tailored coastal lending solutions across the shoreline. The institution specializes in custom jumbo financing, historic property transactions, waterfront construction-to-permanent loans, and portfolio credit. | (203) 453-2721
Total Mortgage Services – Hamden | NMLS #2879 | 2560 Dixwell Ave, Hamden, CT 06514 | Provides direct residential lending, automated rate-lock execution, and streamlined purchase pre-approvals across Hamden, North Haven, and Greater New Haven. Their team specializes in CHFA down payment assistance programs, conventional fixed-rate financing, FHA/VA government loans, and multi-family property products. | (203) 287-2500
Webster Bank – Hamden Financial Center | NMLS #2826 | 2440 Dixwell Ave, Hamden, CT 06514 | Provides full-service residential mortgage originations, high-balance conforming debt, and doctor loan programs for buyers in Hamden and Mount Carmel. Their originators structure primary residence financing, FHA/VA loans, and home equity lines of credit with regional processing support. | (203) 287-7300
Ascend Bank (Formerly GSB) – Madison Branch | NMLS #517294 | 608 Boston Post Rd, Madison, CT 06443 | Delivers shoreline portfolio lending, luxury jumbo mortgages, and personalized purchase financing throughout Madison, Boston Post Road, and coastal neighborhoods. The lending officers provide tailored asset-depletion qualification, bridge loans for move-up buyers, and custom home construction packages. | (203) 245-7306
Total Mortgage Services – National Headquarters | NMLS #2879 | 185 Plains Rd, 3rd Floor, Milford, CT 06461 | Operates its national corporate headquarters and primary underwriting center in Milford, providing direct residential lending and retail wholesale rate execution across Connecticut. The firm specializes in conventional agency loans, high-balance jumbo mortgages, CHFA first-time homebuyer programs, and renovation financing. | (203) 876-2200
First County Bank – Milford Financial Center | NMLS #411487 | 259 Broad St, Milford, CT 06460 | Delivers community portfolio lending, customized jumbo options, and residential purchase loans for buyers in Milford, Woodmont, and coastal New Haven County. As a mutual institution, their originators offer CHFA down payment grants, conventional fixed/ARM products, and flexible home equity solutions. | (203) 783-6500
Ion Bank – Corporate Headquarters & Lending Division | NMLS #469908 | 87 Church St, Naugatuck, CT 06770 | Operates its corporate headquarters and primary mortgage division in Naugatuck, delivering community-focused residential lending across the Naugatuck Valley. The mutual institution provides CHFA first-time homebuyer loans, conventional agency products, FHA/VA financing, and local portfolio construction lending. | (203) 729-4442
Liberty Bank – New Haven Financial Center | NMLS #459016 | 1475 Whalley Ave, New Haven, CT 06515 | Delivers full-scale residential mortgage origination, low-down-payment programs, and multi-family 2–4 unit purchase loans throughout New Haven, East Rock, and Westville. The lending team specializes in doctor/resident programs for Yale medical staff, CHFA homebuyer grants, and conventional agency debt. | (203) 387-2531
Start Mortgage – New Haven Regional Office | NMLS #1951590 | 470 James St, Suite 007, New Haven, CT 06513 | Provides independent residential mortgage brokerage services, tailored rate shopping, and purchase advisory across Greater New Haven. The firm matches buyers with wholesale wholesale lenders for conventional, FHA, VA, and non-QM investor (DSCR) products with direct closing guidance. | (203) 903-4400
Ion Bank – North Haven Financial Center | NMLS #469908 | 5 Stephen Pkwy, North Haven, CT 06473 | Delivers relationship-focused residential purchase loans, conventional fixed/ARM mortgages, and home equity solutions in North Haven and Montowese. Originators assist buyers with zero-to-low down payment programs, professional doctor loans, and streamlined refinancing backed by local underwriters. | (203) 234-9721
Webster Bank – Orange Regional Lending | NMLS #2826 | 247 Boston Post Rd, Orange, CT 06477 | Provides commercial and residential mortgage originations, portfolio jumbo financing, and home equity credit lines across the Route 1 and Boston Post Road corridor in Orange. Their lending officers offer fixed-rate conventional loans, medical professional mortgages, and custom construction-to-permanent options. | (203) 795-3500
Liberty Bank – Wallingford Colony Center | NMLS #459016 | 909 N Colony Rd, Wallingford, CT 06492 | Delivers mutual community banking, residential portfolio lending, and purchase pre-approvals across Wallingford, Yalesville, and Central CT. The branch provides conventional agency loans, CHFA down payment assistance, and home equity lines for property improvements with responsive local processing. | (203) 303-6186
CrossCountry Mortgage – Wallingford Branch | NMLS #3029 | 6 N Main St, Wallingford, CT 06492 | Delivers direct residential loan origination, same-day pre-approvals, and purchase financing across Wallingford and Northern New Haven County. The team handles conventional Fannie/Freddie loans, FHA/VA government options, jumbo financing, and investor cash-flow loans coordinated with closing counsel. | (203) 284-8800
Thomaston Savings Bank – Waterbury Highland Hub | NMLS #469913 | 824 Highland Ave, Waterbury, CT 06708 | Delivers mutual community bank lending, down payment assistance grants, and flexible residential mortgages across Greater Waterbury and the Naugatuck Valley. Their residential team provides CHFA first-time homebuyer loans, FHA/VA government options, and affordable multi-family 2–4 unit purchase products. | (203) 755-1422
Ion Bank – Waterbury Main Lending Center | NMLS #469908 | 910 Wolcott St, Waterbury, CT 06705 | Provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions throughout Waterbury, East End, and Bunker Hill. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines with direct regional processing. | (203) 729-4442
NEW LONDON COUNTY REAL ESTATE MORTGAGE DIRECTORY
Dime Bank – Colchester | NMLS #493990 | 139 S Main St, Colchester, CT 06415 | Delivers community-focused portfolio lending, CHFA first-time homebuyer financing, and flexible residential mortgages across Colchester and Northwestern New London County. The mutual institution provides conventional fixed-rate options, home construction-to-permanent financing, and tailored home equity lines of credit with local underwriting. | (860) 537-0100
Liberty Bank – Colchester | NMLS #459016 | 4 North Rd, Colchester, CT 06415 | Delivers retail residential mortgage lending, low-down-payment purchase programs, and USDA rural home financing across Colchester and surrounding rural communities. Their originators specialize in CHFA grants, conventional conforming loans, and home equity solutions for property improvements. | (860) 537-4661
Chelsea Groton Bank – Niantic | NMLS #402928 | 21 Pennsylvania Ave, Niantic, CT 06357 | Provides specialized coastal lending, shoreline jumbo mortgages, and customized purchase underwriting throughout Niantic, East Lyme, and Black Point. Their lending team structures bi-weekly mortgages, renovation packages, bridge loans for move-up buyers, and land acquisition debt. | (860) 448-4282
Dime Bank – East Lyme | NMLS #493990 | 182 Flanders Rd, Niantic, CT 06357 | Delivers mutual community bank portfolio lending, residential purchase mortgages, and flexible home equity products along the Flanders Road corridor in East Lyme. Originators assist first-time and shoreline buyers with fixed-rate mortgages, FHA/VA options, and custom construction loans. | (860) 739-3100
Chelsea Groton Bank – Corporate Headquarters | NMLS #402928 | 904 Poquonnock Rd, Groton, CT 06340 | Operates its corporate headquarters and primary mortgage division in Groton as one of Eastern Connecticut’s largest mutual community lenders. The institution delivers conventional agency financing, CHFA down payment assistance programs, VA military mortgages for naval base personnel, and custom jumbo loans. | (860) 448-4200
Navy Federal Credit Union – Groton | NMLS #399807 | 1074 Poquonnock Rd, Groton, CT 06340 | Provides dedicated military home financing, 100% financing VA purchase loans, and low-down-payment conventional mortgages for active-duty servicemembers, veterans, and defense personnel in Groton and Sub Base New London. Dedicated loan specialists manage closing timelines aligned with military PCS orders. | (888) 842-6328
Dime Bank – Ledyard | NMLS #493990 | 743 Colonel Ledyard Hwy, Ledyard, CT 06339 | Delivers relationship-focused residential purchase loans, conventional fixed/ARM mortgages, and home equity solutions across Ledyard, Gales Ferry, and the Thames River corridor. Originators assist buyers with zero-to-low down payment programs, CHFA assistance, and land purchase packages. | (860) 464-1200
Washington Trust Mortgage – Mystic | NMLS #414726 | 14 Clara Dr, Mystic, CT 06355 | Delivers premier coastal lending, relationship-discount jumbo financing, and customized portfolio mortgages for luxury homes and historic properties throughout Mystic and Mason’s Island. Their loan officers specialize in complex asset-depletion qualification and waterfront construction-to-permanent loans. | (860) 572-2058
Chelsea Groton Bank – Mystic | NMLS #402928 | 2 Water St, Mystic, CT 06355 | Delivers residential mortgage advisory, personalized rate locks, and purchase financing along the Mystic River corridor. The institution specializes in conventional conforming loans, waterfront property portfolio products, and bridge financing for move-up buyers with direct servicing. | (860) 572-4012
Homestead Funding Corp. – New London | NMLS #1705305 | 8 Union St, New London, CT 06320 | Delivers direct residential loan origination, rapid digital pre-approvals, and purchase financing across New London and surrounding coastal markets. The team handles conventional Fannie/Freddie loans, CHFA first-time homebuyer programs, FHA/VA government options, and multi-family 2–4 unit investor financing. | (860) 444-5560
Chelsea Groton Bank – New London | NMLS #402928 | One Montauk Ave, New London, CT 06320 | Provides full-service residential mortgage originations, low-down-payment purchase programs, and government-backed lending solutions throughout the New London metro. The branch specializes in CRA-eligible lending programs, FHA/VA purchase loans, and conventional single-to-four-family financing. | (860) 448-4222
Dime Bank – Corporate Headquarters | NMLS #493990 | 290 Salem Tpke, Norwich, CT 06360 | Operates its corporate headquarters and central mortgage lending division in Norwich, providing community-focused residential financing across Eastern Connecticut. The mutual bank provides conventional fixed-rate purchase financing, CHFA down payment grants, customized portfolio products, and home equity lines of credit. | (860) 859-4300
CorePlus Credit Union – Norwich Headquarters | NMLS #1739761 | 202 Salem Tpke, Norwich, CT 06360 | Delivers member-focused residential portfolio lending, first-time homebuyer solutions, and competitive fixed-rate mortgages throughout Norwich and New London County. The credit union provides FHA/VA purchase options, zero-down USDA rural loans, vacant land loans up to $500k, and tailored home equity credit lines. | (860) 886-0576
Ascend Bank (Formerly Eastern CT Savings) – Norwich | NMLS #469910 | 257 Main St, Norwich, CT 06360 | Delivers mutual community lending, portfolio residential mortgages, and flexible purchase pre-approvals across Greater Norwich. Their residential lending team structures land loans, new construction financing, bridge loans, and customized portfolio products with local servicing. | (860) 889-7381
Liberty Bank – Old Lyme | NMLS #459016 | 103 Halls Rd, Old Lyme, CT 06371 | Delivers mutual community banking, residential portfolio lending, and construction loans across Old Lyme, Lyme, and the mouth of the Connecticut River. Their lending group provides local underwriting for historic district properties, custom coastal home construction, jumbo mortgages, and first-time buyer CHFA programs. | (860) 434-1646
Chelsea Groton Bank – Pawcatuck | NMLS #402928 | 39 W Broad St, Pawcatuck, CT 06379 | Provides relationship-focused residential purchase loans, shoreline property portfolio products, and home equity lines along the Pawcatuck and Stonington border. Originators assist buyers with fixed-rate mortgages, jumbo financing for coastal residences, and construction loans with local processing. | (860) 448-4290
Dime Bank – Stonington Borough | NMLS #493990 | Water Street Corridor, Stonington, CT 06378 | Delivers dedicated mutual community bank lending, historic home purchase mortgages, and coastal jumbo financing throughout Stonington Borough and Lord’s Point. The branch provides conventional fixed and adjustable loans, bridge financing for move-up buyers, and home equity credit lines. | (860) 535-0100
Chelsea Groton Bank – Waterford | NMLS #402928 | 157 Boston Post Rd, Waterford, CT 06385 | Provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions in Waterford and Quaker Hill. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines coordinated directly with local title examiners. | (860) 448-4270
TOLLAND COUNTY REAL ESTATE MORTGAGE DIRECTORY
Liberty Bank – Coventry Financial Center | NMLS #459016 | 3530 Main St, Coventry, CT 06238 | Delivers mutual community bank lending, lakefront home portfolio loans, and USDA rural home financing across Coventry and the Coventry Lake region. The institution provides conventional fixed-rate terms, flexible home equity lines, customized construction-to-permanent loans, and CHFA first-time buyer grants with direct regional processing. | (860) 742-7336
Berkshire Bank – Ellington Financial Center | NMLS #406082 | 141 Main St, Ellington, CT 06029 | Provides full-service residential mortgage originations, government-backed purchase programs, and tailored refinancing solutions in Ellington and Northern Tolland County. Originators assist buyers with fixed-rate mortgages, FHA/VA loans, and home equity credit lines coordinated with local conveyancers. | (860) 871-1554
Ascend Bank – Storrs Branch | NMLS #469910 | Storrs Road Financial Center, Storrs, CT 06268 | Delivers mutual community lending, residential portfolio mortgages, and faculty/staff purchase programs across Mansfield, Storrs, and the UConn campus perimeter. Their lending group structures conventional agency mortgages, FHA/VA options, multi-family student rentals, and custom construction packages with in-house underwriting. | (860) 889-7381
Liberty Bank – Mansfield Financial Center | NMLS #459016 | 1134 Storrs Rd, Storrs Mansfield, CT 06268 | Delivers retail residential mortgage lending, low-down-payment purchase programs, and USDA rural home financing across Mansfield Center and Southern Tolland County. Their originators specialize in CHFA grants, conventional conforming loans, and home equity solutions for property improvements. | (860) 429-9304
Monson Savings Bank – Stafford Springs Lending Center | NMLS #613363 | Main Street Corridor, Stafford Springs, CT 06076 | Provides border-region mutual community lending, portfolio residential mortgages, and flexible purchase pre-approvals across Stafford Springs and Northern CT. Their residential team provides CHFA first-time homebuyer loans, USDA zero-down rural options, and single-family renovation packages backed by local decision-makers. | (413) 267-4646
KeyBank Mortgage – Tolland Financial Center | NMLS #399797 | Fieldstone Commons / 215 Merrow Rd, Tolland, CT 06084 | Provides comprehensive residential mortgage originations, jumbo financing, and medical professional loan programs for buyers in Tolland and along the I-84 corridor. Their loan officers structure purchase financing, high-balance conforming debt, and custom refinancing options tailored to complex compensation structures. | (860) 870-0700
Berkshire Bank – Vernon Regional Lending | NMLS #406082 | 25 Tolland Tpke, Vernon, CT 06066 | Operates a major regional lending hub in Vernon, delivering full-service residential origination, automated underwriting, and competitive purchase financing across Central Tolland County. The institution specializes in CHFA first-time homebuyer options, VA/FHA loans, jumbo financing, and portfolio renovation programs. | (860) 871-3000
New England Home Mortgage – Vernon Lending Division | NMLS #108518 | Vernon Corridor Line, Vernon, CT 06066 | An independent brokerage delivering residential mortgage programs, rate-lock advisory, and purchase financing across Vernon, Rockville, and Manchester. The firm structures conventional fixed-rate options, FHA/VA loans, and cash-out refinancing packages through a wide network of wholesale lenders. | (860) 621-6462
WINDHAM COUNTY REAL ESTATE MORTGAGE DIRECTORY
Jewett City Savings Bank – Brooklyn Financial Center | NMLS #406085 | 587 Providence Rd, Brooklyn, CT 06234 | An independent mutual community bank delivering localized portfolio lending, land financing, and conventional purchase mortgages across Central Windham County. Originators prioritize internal file processing, low-down-payment options, and agile underwriting for rural acreage. | (860) 779-5830
Centreville Bank – Brooklyn Branch | NMLS #402947 | 151 Hartford Rd, Brooklyn, CT 06234 | Specializes in USDA 100% rural development loans, fixed-rate conventional paper, and local purchase financing along Route 6. Originators guide buyers through government-backed rural programs and regional title documentation with dedicated local processing. | (860) 774-8501
Centreville Bank – Danielson Lending Hub | NMLS #402947 | 125 Wauregan Rd, Danielson, CT 06239 | Delivers mutual community mortgage originations, CHFA first-time homebuyer financing, and portfolio renovation loans across the Quinebaug River Valley. The lending division structures multi-family 2–4 unit purchase debt and home equity credit lines backed by local credit committees. | (860) 779-5880
CorePlus Credit Union – Danielson Branch | NMLS #1739761 | 555 Wauregan Rd, Danielson, CT 06239 | Delivers member-focused residential portfolio lending, zero-down USDA rural options, and flexible fixed-rate mortgages across Northern Windham County. Originators structure vacant land financing up to $500k alongside tailored home equity lines with expedited in-house processing. | (860) 774-1234
Jewett City Savings Bank – Dayville Branch | NMLS #406085 | 1 Dayville Center, Dayville, CT 06241 | Offers mutual savings bank portfolio products, purchase pre-approvals, and conventional/FHA financing throughout Dayville and Killingly. Loan officers collaborate with regional settlement attorneys to ensure smooth escrow clearance and timely closing execution. | (860) 779-5850
Centreville Bank – Plainfield Regional Lending | NMLS #402947 | 4 Northwestern Dr, Plainfield, CT 06374 | Delivers full-service residential purchase financing, USDA rural loans, and private well/septic property underwriting across Southern Windham County. Originators provide hands-on assistance for first-time buyers seeking down payment assistance and competitive fixed rates. | (860) 564-0010
Jewett City Savings Bank – Plainfield Center | NMLS #406085 | 48 Meggett Rd, Plainfield, CT 06374 | Delivers relationship-driven community banking, fixed and adjustable-rate residential mortgages, and home equity solutions in Plainfield and Moosup. Local decision-makers provide flexible underwriting standards for primary residences and non-standard parcels. | (860) 564-2794
Centreville Bank – Putnam Historic Corporate Center | NMLS #402947 | 40 Main St, Putnam, CT 06260 | Operates as the central Eastern Connecticut residential lending and administrative hub in historic downtown Putnam. Senior loan officers structure municipal employee programs, custom construction-to-permanent financing, and high-balance purchase mortgages with in-house processing. | (860) 928-6501
Citizens Bank Mortgage – Putnam Financial Center | NMLS #433964 | 171 Providence St, Putnam, CT 06260 | Provides full-service mortgage banking, medical professional loans, and low-down-payment purchase programs across Putnam and Upper Windham County. Advisors coordinate jumbo financing, rate locks, and conventional conforming paper aligned with regional closing deadlines. | (860) 928-7921
BankHometown – Thompson Lending Office | NMLS #402941 | 1 Riverside Dr, North Grosvenordale, CT 06255 | A mutual community lender serving the Connecticut-Massachusetts border corridor with portfolio residential mortgages, zero-down rural programs, and historic mill home financing. Local underwriting teams provide direct communication from initial pre-approval through final settlement. | (860) 923-2555
Berkshire Bank – Willimantic Regional Office | NMLS #406082 | 803 Main St, Willimantic, CT 06226 | Operates a major regional mortgage center in historic Willimantic, providing CHFA first-time homebuyer programs, agency conforming mortgages, and bridge debt. Originators specialize in historic district properties, multi-family investments, and flexible home equity credit lines. | (860) 423-4581
Ascend Bank – Willimantic Branch | NMLS #469910 | 560 Main St, Willimantic, CT 06226 | Delivers mutual community portfolio lending, USDA rural home options, and purchase underwriting throughout Willimantic and Windham. The team structures tailored debt solutions for self-employed professionals and move-up buyers requiring bridge financing. | (860) 889-7381
Centreville Bank – Woodstock Financial Center | NMLS #402947 | 96 Route 171, Woodstock, CT 06281 | Delivers bespoke portfolio mortgages, large-acreage country estate financing, and home equity credit lines throughout Woodstock, Eastford, and Pomfret. Originators specialize in historic Route 169 corridor properties, agricultural acreage, and custom residential debt structures. | (860) 928-1110
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