Top 3 Mortgage Lenders in Essex

CrossCountry Mortgage's Old Saybrook branch, led by Michael O'Brien, is one of the highest-rated mortgage lenders serving the Essex area. With nearly two decades of experience and exceptional 4.9-star rating from nearly 90 reviews, this team specializes in coastal Connecticut mortgages. They offer comprehensive loan programs including specialized options for shoreline properties, competitive jumbo loans for higher-value homes common in Essex, and excellent first-time homebuyer programs. Their local expertise in Middlesex County and the Connecticut River Valley makes them particularly knowledgeable about Essex's unique real estate market.

Guilford Savings Bank has been serving the Connecticut shoreline communities including Essex for over a century. Their mortgage department maintains a stellar 4.8-star rating with extensive local expertise in shoreline property financing. As a community bank, they offer personalized service and local underwriting decisions, which is particularly valuable for unique Essex properties. They specialize in construction loans for custom homes, renovation financing for historic properties common in Essex, and competitive conventional mortgages. Their deep community roots and understanding of local market conditions make them a top choice for Essex homebuyers.

William Raveis Mortgage has a direct physical presence in Essex with deep roots throughout Connecticut and Massachusetts. With over four decades of experience and a 4.7-star rating from 150+ reviews, they are exceptionally positioned to serve Essex homeowners. They offer specialized expertise in luxury and waterfront properties that characterize the Essex market, along with competitive jumbo loan programs. Their local loan officers understand the nuances of Essex's historic districts, flood zones, and shoreline regulations. The company's integration with William Raveis Real Estate provides seamless service for both purchase and refinance transactions throughout the Connecticut River Valley region.