Find the right mortgage path in minutes.

Buying, refinancing, or getting cash from your equity? Answer a few quick questions and we’ll recommend your best next step based on your goals.

No obligation • No credit impact to start

Who we are

Friendly, local mortgage guidance in Connecticut—clear options, no confusion.

Chester Financial LLC is a Connecticut-licensed mortgage broker helping clients across the state with home purchase loans, refinance options, home equity solutions, second homes, investment properties, and commercial financing. We focus on clear guidance, fast communication, and helping you feel confident from your first questions through closing

We’re local, responsive, and easy to talk to. You’ll get straightforward options, clear numbers, and support throughout the process. We proudly serve clients across Connecticut, and we speak English, Spanish, and Portuguese.

Connecticut-licensed mortgage broker (NMLS 2454525)
Home purchase, refinance & home equity options
First-time buyers, investors & commercial
Clear guidance + fast follow-up from start to closing.

Loan programs for every type of buyer

Whether you’re buying your first home, refinancing, investing, or exploring commercial property, we’ll help you compare options and choose the program that fits your goals.

Conventional Loan

A flexible option with competitive rates for buyers and homeowners who qualify with stronger credit and stable income.
Best for: Primary homes, second homes, and many refinances.

FHA Loan

An easier path to homeownership with more flexible credit guidelines and low down payment options.
Best for: First-time buyers or buyers rebuilding credit.

VA Loan

Built for eligible Veterans and active-duty service members, with powerful benefits and often little to no down payment required.
Best for: Military buyers looking for maximum affordability.

USDA Loan

A 0% down option for eligible properties in approved areas, with income limits that may apply.
Best for: Buyers who want low upfront costs.

Jumbo Loan

For loan amounts above conforming limits—ideal for higher-priced homes with strong borrower profiles.
Best for: High-balance purchases and refinances.

Construction Loan

Financing for building a new home or major renovation, then transitioning to long-term financing when complete.
Best for: New builds and major renovations.

Home Equity Loan

Access the value you’ve built in your home for renovations, debt consolidation, or other goals—options may include a fixed-payment loan or a flexible line of credit.
Best for: Home improvements, consolidating debt, or planned major expenses.

ITIN Loan

Home financing options for ITIN holders who may not qualify using traditional documentation.
Best for: ITIN buyers purchasing or refinancing in Connecticut.

Non-QM Loan

Flexible options for self-employed or non-traditional income—like bank statements, P&L, or asset-based qualifying.
Best for: Self-employed or complex income.

DSCR Loan

Rental financing that can qualify using the property’s cash flow instead of personal income.
Best for: Buy-and-hold investors.

Hard Money Loan

Fast, short-term financing for investor deals—often used for fix & flip projects or a short-term hold before refinancing.
Best for: Fix & flip and bridge strategies.

Commercial Loan

Financing for commercial real estate and mixed-use properties with tailored terms.
Best for: Business owners and investors buying income-producing property.