Manchester, CT · Serving CT, MA & RI
Let's find your path.
Two doors. Pick the one that sounds like you, answer a few quick questions, and we'll point you to the right program and the right person. Takes about a minute.
Not sure which fits? Ask a loan officer — no obligation, no pressure. Or run your own numbers first.
Your home. What's the move?
Pick the door that matches where you are.
You're building something.
Investor lending runs on the deal, not just the borrower. Pick your lane.
Last step. Where do we reach you?
A licensed loan officer reviews your answers and reaches out — usually within minutes during business hours.
You're on the path.
Your answers are with the team. Expect to hear from us fast — our first response usually lands in seconds, and a licensed loan officer follows right behind it.
Southern New England's Premier Loan Officers
Real people. Real answers.
Call, schedule, email, or ask Hey Dave! for an immediate answer — any hour. Every loan officer below is licensed and NMLS-verified.
Eric Desrocher
President · NMLS #65547 · Licensed in CT
I come from humble beginnings. Everything I have built came from hard work, strong relationships, and commitment to helping homeowners achieve their goals.
Kim Arsenault
Senior Loan Originator / Branch Manager · NMLS #78785 · Licensed in CT, MA & RI
I purchased my first home in 1998 and remember not knowing what I was doing! Now that I have purchased 7 properties, I have been in the buyer's shoes many times and I like to share my personal experiences and answer all the not-so-silly questions that are important. I want to pay it forward!
Veronica Ledoux
Loan Originator · NMLS #1289900 · Licensed in CT & MA
Habla español
Family and friends are at the heart of everything I do. Originally from California, I've spent the last 16 years building a life here in Connecticut and exploring the beauty and charm of New England. It's been an incredible place to grow both personally and professionally.
Greg Grant
Mortgage Loan Officer · NMLS #2023018 · Licensed in CT
Raised in the Greater Hartford area, I have always been fascinated with real estate — my father was a landlord who owned several properties and managed them along with my uncle. I knew I would get into some part of the industry, but helping people in this way is the most satisfying for me.
Mike Pezzente
Mortgage Loan Officer · NMLS #2414856 · Licensed in CT, MA & RI
I'm dedicated to helping all homebuyers achieve their real estate goals, and I especially enjoy connecting with real estate investors and helping them identify the best financing solutions for their needs.
Office: 945 Main Street, Suite 204, Manchester, CT · 860-288-4884
Run Your Own Numbers
Calculators.
Rough the numbers yourself, then take the next step whenever you're ready. Nothing here is saved or pulled — it's your scratchpad.
For illustration only using the rate you entered. This is not an offer of credit, a quote, or an advertised rate. Your actual rate, payment, and costs depend on your application and market conditions. Loans subject to credit approval.
A rough illustration, not a pre-qualification or approval. Taxes and insurance are included in the budget at the rate and premium you entered; PMI and HOA dues are not. Real qualifying depends on your full application, program guidelines, and market conditions. Loans subject to credit approval.
An estimate for illustration only. Cash-out refinances are limited by maximum loan-to-value caps — many programs top out near 80%, and going above 85% is generally not an option. Actual accessible equity depends on appraisal, program limits, and your application. Not an offer of credit. Loans subject to credit approval.
For illustration only, at the rate you entered. Residential DSCR programs typically use gross rent over PITIA; vacancy and management shown here affect your cash flow, not most lenders' ratios. Program minimums, LTV caps, and rent treatment vary by lender. Not an offer of credit or a commitment to lend. Business-purpose loans subject to credit and property approval.
A screening estimate. Holding, financing, and selling costs commonly run 10–15% of ARV across purchase closing, loan costs, carry, and sale commissions; your deal will differ. The 70% rule shown is an investor screening convention, not a lending guideline. Not an offer of credit. Business-purpose loans subject to credit and property approval.
For illustration using payments you entered. Break-even compares closing costs to monthly savings only; it does not account for term reset, total interest over the life of the loan, or tax effects, which a loan officer can walk through with you. Not an offer of credit. Loans subject to credit approval.
A rough comparison at the rate you entered, over 30 years. Owning also carries maintenance and closing costs not shown; renting carries annual increases not shown. First-year principal is an average of months 1–12. This is a conversation starter, not advice or a qualification. Loans subject to credit approval.
For illustration at the rate you entered. Principal & interest only; taxes, insurance, and any PMI are additional. Extra-payment effects assume the same amount every month starting now. Not an offer of credit. Loans subject to credit approval.
For illustration at rates you entered; excludes closing costs and assumes no new card balances. Rolling short-term debt into a long-term mortgage can lower the payment yet increase total interest paid over time — the table above shows both sides, and paying extra toward principal changes the trade. Consolidating unsecured debt into your home makes it secured by your home. This is a conversation starter, not advice. Not an offer of credit. Loans subject to credit approval.
Compare up to three structures side by side — hard money interest-only, DSCR or bridge, FHA, VA, USDA, conventional with PMI, or anything custom. Presets fill published program fees and minimum down payments (VA and USDA finance 100%); every number stays editable, and rates are always yours to enter.
A neutral comparison of structures you configure. Funding-fee presets reflect commonly published figures (FHA UFMIP 1.75% and ~0.55%/yr MIP; VA funding fee commonly 1.25–3.3% depending on down payment, service, and prior use — some veterans are exempt; USDA 1% guarantee and 0.35%/yr) — verify current fees, which change. Financed fees are added to the balance and their interest cost is counted; conventional PMI typically ends near 20–22% equity, which this model does not simulate, so long holds slightly overstate PMI cost. Assistance is modeled as covering cash due at closing, with the structure you select: grant, forgivable after a set number of consecutive on-time first-mortgage payments (a late payment resets that clock under Chenoa Fund rules, and the balance is due in full on sale or refinance before forgiveness), forgiven 10% per year over ten years, or a repayable second whose payment and interest are counted in the comparison. The Chenoa presets reflect the Chenoa Fund's published structure: 3.5% or 5% of price paired with an FHA first mortgage, a 0% forgivable option with no monthly payment, and a 10-year repayable option priced above the first-mortgage rate, minimum 600 credit score, not available in New York; terms change, so verify with a loan officer. Assistance programs vary in amount, forgiveness schedule, eligibility, and availability. Down payment minimums shown are program floors; larger down payments change both PMI and the comparison. Rates are yours, never ours. Excludes taxes, insurance, and other closing costs. Not an offer of credit or a program qualification. Loans subject to credit approval.
For illustration at the rate you entered, assuming the rate holds after the IO period (many IO products adjust — ask). The full balance amortizes over the remaining term, which is why the payment steps up. Interest-only maximizes near-term cash flow and total interest paid; which trade is right depends on the plan. Not an offer of credit. Loans subject to credit approval.
Just a calculator. Sometimes that's the tool.