48 Meriden Rd, Suite 1, Middlefield, CT 06455
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News

Why working with an independent mortgage broker is the right choice

April 9, 2020

Have you been denied for a mortgage recently? Do you have questions about the health of the mortgage industry today? I can help you clear up these mounting questions and assist you in getting that preapproval for your dream home. Read on for some much-needed information. With the onset of COVID19 our world has literally…
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Is now the right time to Refinance your existing mortgage?

March 10, 2020

  Would you like to refinance your existing mortgage?  Are you wondering if refinancing your existing mortgage is right for you?  Below I have provided answers to your questions. Reasons to refinance your existing mortgage: Lower your monthly payments: Refinancing loans at a lower rate could help you reduce your mortgage payments significantly. Home renovations:…
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100% USDA Financing

March 4, 2020

Like the Department of Veterans Affairs and the Federal Housing Administration, the United States Department of Agriculture (USDA) also provides a mortgage option – the USDA loan. The USDA loan is a lesser-known mortgage program that allows eligible rural and suburban homebuyers to finance a home without a down payment. To be eligible for a…
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Can you really buy a home with 0% down?

March 2, 2020

YES!   Traditional thinking is that someone needs 20% of the purchase price to put down to buy a home.  Back many years ago when your only option was to deal with a conservative local bank that may have been the case but, over time things have significantly changed.   Let’s start with Traditional Conventional…
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“Pre-Approvals are Everything”

February 5, 2020

In this day in age, we a geared toward instant gratification. In the mortgage world, that is no different but, instant gratification may no be attainable at first glance. Pre-Approvals can help with that. It is Important! Getting pre-approved is very important and should be your first step. By working with me, or a mortgage…
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Financing for Rental Properties held in an LLC

January 24, 2020

Are you a property investor looking to protect your personal assets?  Setting up an LLC to own your investment properties is one way many investors look to accomplish this.   One common issue that investors run into is that they have trouble finding financing to help them purchase or refinance their homes in the name of…
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Rehab and Renovation loans in Connecticut

January 21, 2020

There are many different options available to borrowers who are interested in repairing their future home to make them move in ready or to make updates/fixes to their current homes they currently live in. These programs all fall under their individual mortgage categories such as FHA, Conventional, USDA and VA. Most commonly, FHA, has three…
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Your Credit Scores – Understand them & see how YOU can improve them

January 15, 2020

Your Credit Scores – Understand them & see how YOU can improve them The New Year is upon us and now may be the best time for you to learn what goes into making up your credit scores and see how you can improve them in order to get your credit back on track. It…
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Connecticut Home Buyers Down Payment Assistance

December 19, 2019

Chenoa FHA Edge Whether you are a first-time homebuyer, starting a family or just ready for a change, don’t let lack of funds stop you from purchasing your dream home.  Northeast Financial has several solutions to make the down payment on your new home more achievable.  The Chenoa FHA Edge Program is one of them.…
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Down Payment Assistance for Connecticut Home Buyers

November 27, 2019

Buy a fixer-upper with the help of down payment assistance.   Looking to take advantage of a program for down payment assistance? These programs can help by providing a grant equal to 2% to 3.5% of the purchase price. You can even these programs in combination with a renovation loan.    Some key facts about…
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General Disclosure

When discussing programs that allow for 3.5% down, 0% down, or a percentage down – the borrower is not required to only put that exact percentage down. FHA, USDA, VA, CHFA, Jumbo, and Conventional Mortgages allow borrowers to put down more of a percentage if they desire to. The percentages mentioned in the information provided is the minimum down payment that these programs require. Each one of these programs have specific credit score, debt-to-income ratio, and payment history requirements to qualify for the minimum down payment.

Disclaimer

Northeast Financial is presently in the process of applying for their Mortgage Broker’s license in the state of New York.  Website authorization by the New York State Department of Financial Services is pending.  Until this website is authorized, no mortgage loan applications for properties located in New York will be accepted through this site. If you are a New York Resident – please do not submit any information through our website.

 

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Complaint Policy

The content provided within this website is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply. Mortgage loans arranged through third party providers. Does not make loans, issue a pre-qualification or pre-approval in the state of New York.

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