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Your Trusted Mortgage Broker in Stamford, CT
PFS Mortgage is a family-owned and operated mortgage company serving Fairfield County and surrounding areas. With 34 years of experience in the industry, we combine the technological capabilities of large banks with the personalized service of a local business. Our team works closely with clients to understand their unique financial goals and tailor mortgage programs that meet their specific needs. We prioritize clear communication, transparency, and efficiency throughout the lending process. Our commitment to treating clients like neighbors has earned us a reputation for exceptional service and customer satisfaction.We specialize in a wide range of mortgage products, including fixed-rate, adjustable-rate, FHA, VA, and commercial loans. Our licensed professionals are dedicated to helping clients achieve their real estate objectives with integrity and expertise. We maintain consistent communication and streamline the mortgage process to minimize stress for our clients. Our team's deep understanding of market conditions and lending guidelines ensures competitive rates and personalized solutions. We pride ourselves on building long-term relationships with clients based on trust and mutual respect.
Services
30-Year Fixed Mortgage
15-Year Fixed Mortgage
Adjustable Rate Mortgages
Flex Term Fixed Mortgage
FHA Loans
USDA Loans
Renovation Loans
HELOC
VA Loans
Small Balance Commercial
Highlights and features
- We offer 34 years of combined mortgage lending experience with personalized service
- Our team provides tailored mortgage programs to meet individual financial goals
- We maintain consistent communication throughout the entire lending process
- We combine advanced technology with the personal touch of a local business
- Our licensed professionals operate in multiple states with deep market knowledge
What people say
Knowledgeable professionals
Dedicated support
Smooth process
Best rates available
Highly recommend
Services
30-Year Fixed Mortgage
This mortgage product offers stable monthly payments for 30 years with no pre-payment penalties. It provides predictable housing costs and low down payment options as low as 3%. Ideal for first-time homebuyers seeking long-term financial stability in their mortgage payments.
15-Year Fixed Mortgage
Designed for borrowers seeking to pay off their mortgage quickly while paying less interest over time. This product offers consistent payments with low down payment options and no pre-payment penalties for accelerated payoff.
FHA Loans
FHA-insured mortgages require lower down payments and credit scores than conventional loans. These loans allow 3.5% down with 580+ credit scores and 10% down with 500-579 scores, making homeownership accessible to more buyers.
HELOC
This revolving credit line uses home equity as collateral for major expenses. Borrowers can access funds as needed for home improvements, debt consolidation, or emergency expenses with flexible repayment options.
VA Loans
Department of Veterans Affairs-backed mortgages offer zero down payment options and competitive rates for military personnel and veterans. These loans eliminate mortgage insurance requirements and provide favorable terms for qualified applicants.
Questions
What mortgage products does PFS Mortgage offer?
We offer 30-year fixed, 15-year fixed, adjustable-rate mortgages, FHA, VA, USDA loans, HELOCs, renovation loans, and small balance commercial mortgages.
How long does the mortgage process take?
Most loans close within 30-45 days, with some refinances closing in as little as 3 weeks depending on documentation and property type.
Do you offer first-time homebuyer programs?
Yes, we specialize in FHA loans and other programs with low down payment requirements for first-time homebuyers.
Can you help with complex financial situations?
Our team has extensive experience handling non-traditional income scenarios, credit challenges, and unique property types.
What areas do you serve?
We operate in Connecticut, New York, Florida, and Hawaii with licensed professionals in multiple states.
Is refinancing worth it?
We analyze your current mortgage to determine if refinancing will provide significant savings through lower rates or improved terms.
