Mortgage Solutions
Home Purchase & Refinance
Conventional loans, first-time buyer programs, and refinance options — tailored to your goals.
Conventional Loans
The most flexible mortgage for buyers with solid credit.
Conventional loans offer the widest range of term and down payment options — from 3% down to 20% or more. With strong credit you get competitive rates, no upfront mortgage insurance, and the flexibility to finance a primary home, second home, or investment property.
- Down payments as low as 3%
- No mortgage insurance with 20% down
- Fixed or adjustable rate options
- Primary, second home, and investment properties
First-Time Buyer
Down payment assistance and expert guidance for first-time buyers.
Buying your first home doesn't have to be overwhelming. I specialize in helping first-time buyers qualify for special programs, access down payment assistance, and navigate the process from pre-approval to closing — with patient, jargon-free guidance every step of the way.
- Down payment assistance programs in CT & FL
- Low down payment options starting at 3%
- State and local grant programs available
- Personal guidance from start to close
Refinance
Lower your rate, shorten your term, or tap your equity.
A well-timed refinance can save you thousands or put cash back in your pocket. Whether you want to reduce your monthly payment, pay off your mortgage faster, or access equity for renovations or debt consolidation, I'll help you find the right strategy for your situation.
- Rate-and-term refinance to lower your payment
- Cash-out refinance to access home equity
- Shorten your loan term and build equity faster
- No-cost refinance options available
Are you a medical professional?
Explore specialized Doctor Mortgage Loan programs for eligible physicians, dentists, veterinarians, and more.
Looking for investor or alternative income programs?
DSCR, HELOC, and non-traditional loans are on the next page.
Free Consultation
Let's Talk About Your Home Goals
Fill out the form and Paul will personally reach out to walk you through your options.