The Best Mortgage Lenders in Easton, CT
Compare verified mortgage lenders serving Easton, Connecticut. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Easton
Featured Mortgage Lenders
Total Mortgage Services
Total Mortgage Services, LLC
Total Mortgage Services is a top-rated local lender with over 25 years of experience specializing in serving Connecticut homeowners, including those in Easton. They are renowned for their competitive rates, personalized approach, and extensive loan options. With deep roots in Fairfield County, they consistently receive high customer satisfaction scores for their efficient processing, transparency, and commitment to guiding clients through every step of the mortgage process, making them a trusted choice for purchase and refinance loans.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a nationally recognized digital mortgage leader with a strong local presence in Stamford, serving Easton residents with cutting-edge technology and expert advice. They offer a seamless online application experience combined with in-person support, resulting in fast closings and highly competitive rates. With excellent ratings for customer service and a wide range of loan products, they are praised for their reliability, innovation, and ability to handle diverse financial situations, making them a preferred lender in the region.
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Fairway Independent Mortgage
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage has been a cornerstone in the Connecticut mortgage industry for nearly three decades, with a dedicated Fairfield office that actively serves Easton homebuyers. Known for their community involvement and personalized customer care, they excel in offering flexible loan solutions and responsive service. Clients frequently highlight their knowledgeable loan officers, competitive rates, and ability to navigate complex mortgage scenarios efficiently, solidifying their reputation as a dependable and highly-rated lender in Fairfield County.
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Frequently Asked Questions
Common questions about mortgage lending in Easton, CT
What are the current mortgage rates like for homes in Easton, CT?
Mortgage rates in Easton are typically competitive with national averages but can be influenced by the town's high property values and affluent market. As of recent trends, rates for conventional loans in Fairfield County tend to be slightly lower than state averages due to strong lender competition. It's advisable to compare offers from both local Connecticut lenders and national institutions for the best rate.
Are there any first-time homebuyer programs specifically available in Easton?
While Easton itself doesn't offer municipal first-time buyer programs, Connecticut's statewide programs like CHFA (Connecticut Housing Finance Authority) are accessible to Easton residents. These programs provide competitive interest rates, down payment assistance, and educational resources. Given Easton's higher-than-average home prices, these programs can be particularly valuable for qualifying buyers seeking entry into the market.
How does Easton's rural character and large lot sizes affect mortgage lending?
Easton's zoning requirements for minimum lot sizes (typically 2+ acres) and its rural preservation focus can impact lending in several ways. Lenders may require additional appraisals to verify property values for larger, unique parcels, and some might have stricter requirements for properties with wells and septic systems rather than municipal utilities. These factors don't typically affect loan approval but may influence appraisal timelines and property insurance requirements.
What unique closing costs should I expect when buying a home in Easton?
Easton homebuyers should budget for Connecticut's standard closing costs plus some town-specific fees. These include Easton's property conveyance tax (0.25% on the sale price), well and septic inspections (typically $500-$800 combined), and potentially higher attorney fees due to the town's complex zoning and conservation regulations. Additionally, many Easton properties require title insurance endorsements for conservation easements or right-of-ways.
How do Easton's high property taxes influence mortgage qualification?
Easton's property tax rates (currently around 32 mills) are among the highest in Connecticut, which significantly impacts debt-to-income ratios during mortgage qualification. Lenders will carefully calculate these tax payments into your monthly housing expense, potentially reducing the loan amount you qualify for compared to lower-tax areas. It's crucial to factor these taxes into your budget, as they can add $1,000+ to monthly payments for median-priced homes.
Why Choose a Mortgage Lender in Easton?
Local Market Knowledge
Lenders who understand Easton's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Connecticut.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Easton and get competitive rates on your home loan.