Your Trusted Mortgage Lender in Danbury, CT
Whether you are a first-time homebuyer, looking to refinance, or applying with an ITIN, we provide personalized mortgage solutions to help you plant roots in Fairfield County.
Loan Programs Tailored to Your Needs
We specialize in helping the Danbury community navigate the mortgage process with ease.From standard loans to specialized ITIN programs, we have the right solution for you.
ITIN / Tax ID Loans (Specialty)
Home Loans with an ITIN Number
No Social Security Number? No problem. We specialize in helping individuals with an Individual Taxpayer Identification Number achieve homeownership.
Conventional Loans
Fixed & Adjustable-Rate Mortgages
Secure a competitive rate with our traditional loan options. Choose from 30-year fixed terms for stability or adjustable-rate mortgages for flexibility.
Non-Conventional Loans (FHA & VA
Government-Backed Lending
We offer FHA loans with lower down payment requirements and VA loans for eligible veterans. Perfect for first-time buyers or those with unique credit histories.
Home Refinancing
Refinance Your Current Mortgage
Lower your monthly payments or cash out on your home’s equity. We help Danbury homeowners find better rates and terms.
Reverse Mortgages
Financial Freedom for Seniors
Eligible homeowners aged 62+ can convert part of their home equity into cash to support their retirement lifestyle.
Why Danbury Chooses Prysma Lending Group
Specialized in ITIN
We are one of the few lenders with deep expertise in processing loans for ITIN holders.
20+ Years of Experience
We have guided thousands of families through the mortgage landscape with integrity and expertise.
Local Market Expertise
We know the Danbury and Fairfield County market, working closely with local real estate agents to get your offer accepted.
Bilingual Service
We understand the unique needs of the Hispanic and Latino community. Our team speaks your language and understands your culture.
Deeply Rooted inthe Danbury Community
From Main Street to the shores of Candlewood Lake, Prysma is committed to serving the diverse residents of Danbury. We are proud to empower the Latino community and all residents of Fairfield County with access to fair, affordable, and trustworthy lending. We understand the local housing market and are here to help you navigate it.
Your Path to Homeownership in 4 Simple Steps
Frequently Asked Questions about Danbury Mortgages
How to get a mortgage with an ITIN in CT?
Getting a mortgage with an ITIN in Connecticut is a streamlined process with Prysma. Unlike traditional lenders who require a Social Security Number (SSN), we accept your Individual Taxpayer Identification Number (ITIN).
Step-by-Step Process:
Eligibility Check: You must have a valid ITIN letter from the IRS and a history of filing taxes (typically for the last two years).Gather Documentation: Prepare your proof of income (W-2s, 1099s, or tax returns), bank statements, and a valid photo ID.Pre-Qualification: Contact Prysma to determine your budget. We can typically complete this quickly to help you understand your purchasing power.Underwriting & Closing: The process generally takes 30-45 days from application to closing.
Why Prysma? We specialize in ITIN loans, ensuring you have the same opportunity to build wealth through real estate as anyone else.What are the current mortgage rates in Connecticut?
Mortgage rates in Connecticut fluctuate regularly based on Federal Reserve policies, bond markets, and economic factors. To get the most accurate rate, it is best to request a personalized quote.
Factors influencing your rate include:
Loan Type: 30-year fixed, 15-year fixed, or Adjustable-Rate Mortgages (ARMs).Credit Score: Higher scores generally secure lower rates.Down Payment: A larger down payment can often reduce your rate.Loan-to-Value Ratio (LTV).
Check Today’s Rates: Use our "Get a Quote" tool or call our Danbury office for a real-time interest rate estimate tailored to your financial profileWhat options are available for first-time home buyer loans in Danbury?
First-time homebuyers in Danbury have access to several programs designed to lower the barrier to entry for homeownership.
Top Programs for New Buyers:
FHA Loans: Ideal for buyers with lower credit scores; requires a down payment as low as 3.5%.CHFA (Connecticut Housing Finance Authority): Offers below-market interest rates and down payment assistance for eligible borrowers.Prysma’s Guidance: We help first-time buyers navigate closing costs, insurance, and property taxes specific to Danbury.
Tip: We recommend getting pre-approved before you start looking at homes to strengthen your offer.
Testimonials
Contact Us
Address: Prysma Danbury Office 18 Padanaram Rd, Danbury, CT 06811Phone: (475) 284-8981Email: moc.amsyrp%40ofniHours: Mon-Fri 9AM - 5PM