48 Meriden Rd, Suite 1, Middlefield, CT 06455

Category: Affordable Programs


Once you’ve received a pre-approval from your loan officer and are aware of all the costs involved and what you can afford, it’s time to begin your search for a home. FINDING A REAL ESTATE AGENT Your real estate agent is a valuable partner in the homebuying process. He or she will help you find…
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Let us guide you to your first home

Buying a home is one of the most exciting—and complex— transactions of your life. You may have questions, and it’s important to choose a mortgage provider you can trust to communicate the important facts. We’re dedicated to explaining each step of the process in detail to every single one of our borrowers. And, we offer…
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What is PMI

Private Mortgage Insurance PMI allows you to finance a home with less than 20% down payment. For an extra monthly cost to you, PMI provides default insurance to the lender. Thinking of saving more to avoid PMI? Accumulating tens or even hundreds of thousands of dollars for a down payment is challenging for the most…
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Myth Busted – 20% Down Payment Purchases   

I bet you still think you need 20% down on your first-time purchase. Well that is just not true. There are many different programs available to all buyers with less than 20% down payment. Below is the list of programs offered to first time homebuyers. Conventional Options: The options available for Conventional vary based on…
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20% Down Myth Debunked

There is a general consensus that you have to put 20% down to buy a home. Well, I’m here to debunk that myth.  The 20% down was a need many years ago, which led to the remnants of the thought that still echoes today. The truth is, you don’t need to have 20% to put…
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