The Best Mortgage Lenders in Windsor, CT
Compare verified mortgage lenders serving Windsor, Connecticut. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Windsor
Featured Mortgage Lenders
Total Mortgage Services
Total Mortgage Services, LLC
Total Mortgage Services is a highly-rated lender with a strong reputation in Connecticut for offering competitive rates and exceptional customer service. Founded in 1997, they specialize in a wide range of loan products and have a dedicated local team that serves Windsor and surrounding areas. Their high review counts and consistent positive feedback highlight their reliability and efficiency in the mortgage process, making them a top choice for homebuyers seeking personalized assistance and transparent terms.
Loan Types:
Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate is a nationally recognized mortgage lender with a robust local presence in Hartford, serving Windsor residents with competitive rates and innovative digital tools. Founded in 2000, they combine technology with personalized service to streamline the mortgage experience. Their high customer ratings and substantial review count reflect their commitment to transparency and customer satisfaction, offering a variety of loan options tailored to diverse needs in the Connecticut market.
Loan Types:
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage is a top-rated lender known for its outstanding customer service and community-focused approach, with a strong track record in Connecticut since 1996. They offer an extensive range of loan products and have local experts who serve Windsor, ensuring borrowers receive tailored advice and competitive rates. Their high ratings and positive reviews underscore their reliability, making them a trusted choice for home financing with a emphasis on long-term customer relationships.
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Frequently Asked Questions
Common questions about mortgage lending in Windsor, CT
What are the current mortgage rates like for homes in Windsor, CT?
Mortgage rates in Windsor are generally competitive with national averages but can vary based on the lender and your financial profile. As of recent trends, Windsor homebuyers typically see rates slightly below the national average due to Connecticut's stable housing market. It's best to compare rates from local credit unions like Achieve Financial Credit Union and national lenders for the most favorable terms.
Are there any first-time homebuyer programs specific to Windsor that I should know about?
Yes, Windsor homebuyers can access the Connecticut Housing Finance Authority (CHFA) programs, which offer competitive interest rates, down payment assistance, and closing cost help for qualifying buyers. Additionally, some local lenders may offer special programs for Windsor residents, particularly for homes in designated target areas. These programs can make homeownership more accessible with lower upfront costs.
How does Windsor's property tax rate affect my mortgage payments?
Windsor's current mill rate of 39.58 means property taxes are a significant factor in your monthly mortgage payment, as lenders typically include them in escrow calculations. This rate is moderately high compared to some surrounding towns, so budget accordingly - for a $300,000 home, expect approximately $7,900 annually in property taxes. Your lender will help factor this into your total monthly payment estimate.
What special considerations should I know about getting a mortgage for Windsor's historic homes?
Windsor's historic properties, particularly in the Palisado Green area, may require additional inspections and potentially higher insurance costs that lenders will consider. You might need specialized historic property appraisals, and some renovation loans like the FHA 203(k) can be beneficial for updating these older homes while preserving their historic character. Discuss these specifics with lenders experienced with Windsor's historic districts.
Are there any local down payment assistance programs available specifically for Windsor homebuyers?
Beyond state programs, Windsor occasionally partners with local organizations to offer down payment assistance, particularly for moderate-income buyers. The Town of Windsor sometimes has neighborhood revitalization programs that include homebuyer assistance, and local employers like LEGO Group and Stanley Black & Decker may offer employer-assisted housing programs. Check with Windsor's Community Development Department for current local initiatives.
Nearby Cities
Explore mortgage lenders in cities near Windsor, CT
Why Choose a Mortgage Lender in Windsor?
Local Market Knowledge
Lenders who understand Windsor'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 Windsor and get competitive rates on your home loan.