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

Buying a New Home when you can’t sell your present Home

April 2, 2018

Life is Ever Changing There are many reasons for buying a new home.  Perhaps the size of your family is increasing and you need more bedrooms.  Maybe you are getting older and require less space or desire to leave a 2-story house for the likes of a single story property.  Perhaps you need to move…
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Understanding How Debt-To-Income (DTI) Works When Applying For A Mortgage

March 22, 2018

What is DTI? When applying for a Mortgage, your DTI plays a huge factor in qualifying for a mortgage. Debt-to-income (DTI) is a ratio which Loan Officers, like myself, look at to determine whether or not you are able to qualify for a mortgage. DTI is based on your monthly Debt and monthly Income.  …
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Fix and Flip Connecticut Investor Mortgage Program

February 27, 2018

Ideal for Investors First of all, do you have an interest to Fix and Flip residential properties in Connecticut? Here at Northeast Financial we offer a very unique product known as Fix and Flip Financing. This product is great for investors because it provides a line of credit that allows you to fix and flip…
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Top 3 Mistakes Not To Make When Buying a Home

February 15, 2018

Hello everyone, I am Ramazan Sinani from Northeast Financial of Middletown, Connecticut. And today I want to share with you some common mistakes that borrowers make when buying a home.   1. Not getting a Mortgage Preapproval! – The last thing you want to happen is to spend months searching for a home that you…
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How Does Your Income Determine What Mortgage You Qualify For?

January 16, 2018

Debt to Income Ratio Your monthly debt and monthly income are two important factors in helping mortgage people determine how much of a mortgage you qualify for (Debt to Income also known as DTI).  What many people don’t understand is that the type of property you are buying and your credit score are important in…
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Building Credit If You Are A First Time Home Buyer in Connecticut

January 8, 2018

Building Credit Building Credit can be pretty nerve wracking when you are a First Time Homebuyer. Below, I’ve put together some tips on building credit as a First Time Homebuyer! Review your Credit Report! At no cost you may request a copy of your Credit Report from all 3 National Credit Bureaus (Experian, Equifax, and…
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Do You Presently Have a FHA Mortgage in Connecticut?

January 5, 2018

FHA Streamline Mortgages My name is Ramazan Sinani, I am your local Residential Loan Officer at Northeast Financial here in Middletown, Connecticut.  Today I would like to inform you about FHA Streamline Refinance Loans and how they work! First of all, FHA streamline refinances offer many benefits and they are very easy to qualify for…
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Connecticut Mortgage: What Ramazan Sinani Can Offer You

November 2, 2017

Ramazan Sinani – Your Connecticut Mortgage Loan Originator Hello my fellow Connecticut residents! My name is Ramazan Sinani and I am your local Residential Mortgage Loan Officer at Northeast Financial here in Middletown, Connecticut (covering the entire nutmeg state)! Here at Northeast, we offer a variety of loan products suitable for anyone and any unique…
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Connecticut Land Construction Home Loans

October 24, 2017

Connecticut Land Construction We are your Connecticut Land Construction resource.  At Northeast Financial, we cover the entire state of Connecticut for when you need a mortgage.  More specifically, we offer a 1 Time Close Ground Up Construction Home Loan program.  That means we can help you buy the land and build the house of your…
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Connecticut: How to get a Mortgage Pre-Approval

June 21, 2017

Mortgage Pre-Approval One of the most confusing processes when buying a home is the mortgage pre-approval. This process is used to qualify borrowers that are looking to buy a home. The process can help determine up front whether you are able to buy or should wait.   The Process Step 1. In the mortgage pre-approval…
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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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