Our Business
Mortgage Banking – Direct Lending
We are direct correspondent lenders for a dozen national and local
banks and lenders. This means that we have complete
processing and underwriting control throughout the loan process.
The loan will close in our name and be serviced by one of our
correspondent lenders. We are also approved to sell directly to
Fannie Mae. Mortgage Banking has several advantages over
mortgage brokering including:
Mortgage Brokerage
According to “Origination News” and “Broker Magazine” CTHM is
the largest broker based in Connecticut. We have relationships
with more than 45 different banks and lenders both locally and
nationally. This extra flexibility allows us to find a program for
almost any buyer in almost any situation.
Range of Programs
Our goal is to have a solution for every situation. Including:
Advantages to working with my team
Mortgage Banking – Direct Lending
We are direct correspondent lenders for a dozen national and local
banks and lenders. This means that we have complete
processing and underwriting control throughout the loan process.
The loan will close in our name and be serviced by one of our
correspondent lenders. We are also approved to sell directly to
Fannie Mae. Mortgage Banking has several advantages over
mortgage brokering including:
- Price
- Control
- Speed
- Convenience
Mortgage Brokerage
According to “Origination News” and “Broker Magazine” CTHM is
the largest broker based in Connecticut. We have relationships
with more than 45 different banks and lenders both locally and
nationally. This extra flexibility allows us to find a program for
almost any buyer in almost any situation.
Range of Programs
Our goal is to have a solution for every situation. Including:
- Conventional Loans (up to $417,000)
- Jumbo and Super Jumbo Loans (up to $4,000,000)
- Fixed Rate Mortgages
- Adjustable Rate Mortgages (ARMs)
- Interest Only Loans
- Pay-Option ARMs
- No Money Down Loans
- Specialty Lending for credit blemished borrowers
- Sub-prime or “B/C” Lending
- Bankruptcy
- Foreclosure
- Second Mortgages
- Home Equity Lines
- Home Equity Loans
- “Piggyback” Loans for Buyers with <20% down
- Alternate Documentation Loans
- No Document Loans
- Reduced Document Loans
- Stated Income /Stated Assets
- No Ratio
- Construction Loans
- Land Loans
- Special programs with extended interest rate locks
- First Time Homebuyer Programs
- CHFA (Connecticut Housing & Finance Authority)
- FHA (Federal Housing Administration)
- VA (Veteran's Administration)
- Investment Properties
- Second Homes
- Non-Warrantable Condominiums
- Multi-Family homes (2-4 units)
- Bridge Loans
- Cross-Collateral Loans
- Refinances
- Rate and Term
- Limited Cash Out
- Cash Out
Advantages to working with my team
- One-Stop Shopping
- Convenience
- Streamlined Communication
- Full Service Operation
- Local operations team in Shelton, CT
- Greater control of processing
About Us
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
| |
 |
