Ridgefield is home. Mortgages from a lender in town.

Forte Financial is a Ridgefield company. James Forte founded the firm here in 2019 after two decades in the business, and our office is at 96 Danbury Rd. As a Connecticut-licensed lender (ML 1892568), we can fund Ridgefield loans in-house or shop them when another investor fits the file better.

Bank-statement loans for self-employed Ridgefield borrowers

Ridgefield has a lot of self-employed borrowers with real income and modest tax returns: consultants and finance professionals who left a firm to work on their own, physicians and other practice owners, attorneys, contractors who build and restore the town’s houses, and owners of the shops and restaurants on Main Street. Home prices here often sit above conforming loan limits. Bank-statement programs can go up to about $3 million, depending on the file, and we also do jumbo financing.

Bank-statement / Non-QM program · How bank statement loans work · Connecticut bank-statement loans

DSCR loans for Ridgefield rental properties

Ridgefield itself has fewer rentals than nearby cities, so many Ridgefield investors buy elsewhere: two- to four-family houses in Danbury and Norwalk, or rentals in Florida, South Carolina, and Texas, where we are also a licensed lender that can fund in-house. A DSCR loan qualifies each property on its rent compared with its full payment, so a growing portfolio does not have to fit your personal tax return. See DSCR loans for Florida, Texas, and South Carolina investors.

DSCR / investor program · How DSCR is calculated · Connecticut DSCR loans

HELOCs for Ridgefield homeowners

Many Ridgefield owners have built significant equity in older colonials and newer homes alike, and the houses keep asking for projects: kitchens, additions, roofs, generators, and pools. A HELOC lets you keep your existing first mortgage and draw only what you need. On a primary residence, lines have been offered up to 80% of value minus the first mortgage, or $700,000, whichever is lower. This product can close in as little as 7 days, often with no appraisal, though higher-value homes are more likely to need a full appraisal.

HELOC program · How fast can I get a HELOC? · Connecticut HELOCs

Good to know in Ridgefield

Ridgefield commuters use the Branchville station on the Metro-North Danbury branch or drive Route 7 and I-84. If you are moving here from New York with a business of your own, we can look at bank-statement options before you start house hunting.

All loans are subject to credit, income, property, and underwriting approval. Nothing here is a rate quote, a commitment to lend, or a guaranteed timeline. Licensed Connecticut Mortgage Lender, Connecticut Banking Department, ML 1892568.