Business Details
35 Years
experience
Your Trusted Mortgage Broker in Stamford, CT
PFS Mortgage has been a trusted family-owned mortgage brokerage in Fairfield County for 34 years, combining advanced banking technology with personalized service. Our team prioritizes understanding clients' unique financial goals to create tailored mortgage solutions, eliminating bureaucratic hurdles and treating every client with the respect we ourselves expect. With expertise in diverse mortgage productsfrom fixed-rate loans to specialized programswe serve Connecticut, New York, Florida, and Hawaii, offering competitive rates and a seamless lending process.Our commitment to transparency, local market knowledge, and client-first philosophy has earned us enduring community trust. As industry experts, we continuously monitor market trends to secure optimal terms for our clients, ensuring their real estate aspirations become reality.
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
Details
- Year established: 1991
Highlights and features
- We offer 34 years of experience in mortgage lending.
- Our team provides personalized mortgage solutions tailored to your needs.
- We combine advanced technology with a local family-owned approach.
- Our efficient process minimizes paperwork and delays.
- We are committed to transparency with no hidden fees.
Associations and certifications
- National Mortgage Licensing System (NMLS)
What people say
Exceptional service
Personalized solutions
Trustworthy team
Efficient process
Knowledgeable professionals
Services
30-Year Fixed Mortgage
A 30-year fixed mortgage provides stable monthly payments and low down payment options, ideal for first-time homebuyers. This product ensures payment consistency regardless of economic changes, with no prepayment penalties and flexible early payoff options.
Adjustable Rate Mortgages
Adjustable rate mortgages offer initial low rates for periods like 5/1 or 10/1 terms, suiting short-term homeowners or those with high loan amounts. PFS tracks market conditions to notify clients of rate adjustments, maximizing savings.
FHA Loans
FHA loans require as little as 3.5% down and accommodate lower credit scores, insured by the Federal Housing Administration. These loans are ideal for first-time buyers seeking accessible financing with flexible qualification criteria.
HELOC
A home equity line of credit (HELOC) provides flexible access to funds based on home equity, usable for renovations, debt consolidation, or emergencies. Borrowers can draw funds as needed and repay on their schedule.
VA Loans
VA loans offer zero-down financing and competitive rates for veterans and active military members, backed by the Department of Veterans Affairs. These loans eliminate mortgage insurance requirements and feature streamlined qualification processes.
People
Frank O'Brien
Owner
Frank O'Brien, a seasoned mortgage professional with over 34 years of experience, leads PFS Mortgage with a commitment to personalized service and community values. His expertise in mortgage lending ensures clients receive tailored solutions that meet their unique needs.
Egan O'Brien
Licensed Mortgage Professional
Egan O'Brien brings extensive mortgage industry knowledge to PFS, specializing in guiding clients through complex transactions. His dedication to client education and market expertise ensures a smooth, informed lending process for first-time and seasoned homebuyers.
Kiernan O'Brien
Licensed Mortgage Professional
Kiernan O'Brien contributes to PFS's success with a focus on client-centric service and attention to detail. His proficiency in mortgage products and commitment to ethical practices reinforce the company's reputation for reliability and trustworthiness.
Questions
What mortgage products does PFS Mortgage offer?
PFS offers 30-year fixed, adjustable-rate, FHA, VA, USDA, HELOC, renovation loans, and commercial mortgages, tailored to meet diverse client needs.
How does PFS Mortgage differ from big banks?
We combine big bank technology with personalized service, offering local expertise, faster decision-making, and tailored mortgage programs without bureaucratic delays.
Which states does PFS Mortgage serve?
PFS serves Connecticut, New York, Florida, and Hawaii, with licensed professionals available to assist clients in these regions.
Can I get after-hours mortgage assistance?
Yes, Frank and Egan O'Brien offer after-hours support for urgent inquiries, ensuring continuous client assistance.
What is the mortgage application process like?
Our process involves initial consultation, document submission, loan approval, and closing, with clear communication and guidance at every stage to ensure a seamless experience.
Do you offer unique mortgage programs?
Yes, we provide Flex Term Mortgages (8-30 years), renovation loans, and specialized products unavailable through traditional lenders, customized to client financial goals.
Reviews (1)
Kait O.
Jul 28, 2017
Report
The best mortgage brokers in the area! They give the best rates, friendly and personable and most of all get things done!
