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# Your Mortgage Partner

Norcom Mortgage

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- [FNMA Homestyle Program](https://www.mycupartner.com/fnma-homestyle-program/) - FNMA Homestyle Program Loan TypesRenovation Loans203K Standard203K LimitedFNMA Homestyle ProgramVA RehabilitationA Fannie Mae type loan which allows you to purchase or refinance a home and roll in all the improvements or repairs of the home into a single loan. Renovation loans can be done as a purchase or a refinance transaction HomeStyle is a long-term
- [203K Limited](https://www.mycupartner.com/203k-limited/) - 203K Limited Loan TypesRenovation Loans203K Standard203K LimitedFNMA Homestyle ProgramVA RehabilitationAn FHA type loan which allows you to purchase or refinance a home and roll in all the improvements or repairs of the home into a single loan (repairs are less than $30,000). Renovation loans can be done as a purchase or a refinance transaction The
- [203K Standard](https://www.mycupartner.com/203k-standard/) - 203K Standard Loan TypesRenovation Loans203K Standard203K LimitedFNMA Homestyle ProgramVA RehabilitationAn FHA type loan which allows you to purchase or refinance a home and roll in all the improvements or repairs of the home into a single loan. Renovation loans can be done as a purchase or a refinance transaction A standard 203k loan program allows
- [Fresh Start](https://www.mycupartner.com/fresh-start/) - Fresh Start Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramThis loan program is for borrowers who had a recent credit event (i.e., bankruptcy, foreclosure or short sale) and do not conform to the other agency guidelines. Features and Benefits No seasoning requirement for bankruptcy, foreclosure,
- [Investment Properties](https://www.mycupartner.com/investment-properties/) - Investment Properties Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramThis loan program is for borrowers who own multiple investment properties and need common-sense underwriting to provide more options for your financing needs. A New Suite of Mortgage Products With maximum loan amounts up to $2
- [Jumbo](https://www.mycupartner.com/jumbo/) - Jumbo Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramMORE OPTIONS FOR LARGER LOAN AMOUNTS Our Jumbo loans offer more loan options for borrowers that don’t fit the conventional mold A jumbo mortgage is a mortgage loan that may have high credit quality but is in
- [Physicians Loan Program](https://www.mycupartner.com/physicians-loan-program/) - Physicians Loan Program Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramTHIS LOAN PROGRAM HAS BEEN PUT ON HOLD. This program offers a specific loan open to all medical residents, physicians and doctors. Here are some key features of the program For Primary Residence ONLY For
- [Reverse Mortgage](https://www.mycupartner.com/reverse-mortgage/) - Reverse Mortgage Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National Program Reverse Mortgage Basics What Is A Reverse Mortgage? Please visit our reverse mortgage webpage for a full overview of the reverse mortgage program at https://reverse.mycupartner.com/. A reverse mortgage, also called a Home Equity Conversion Mortgage
- [Self-Employed Borrowers](https://www.mycupartner.com/self-employed-borrowers/) - Self-Employed Borrowers Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramThis program allows borrowers to use alternative forms of income documentation to qualify for a loan. Our loan programs are designed around the needs of self-employed borrowers, featuring common-sense underwriting that considers their unique income documentation
- [Foreign National Program](https://www.mycupartner.com/foreign-national-program/) - Foreign National Program Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramA foreign national mortgage is a type of loan that is designed to help individuals from other countries purchase property in the United States. A foreign national is a citizen of another country who is
- [Nonwarrantable Condos](https://www.mycupartner.com/nonwarrantable-condos/) - Nonwarrantable Condos Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramThis program allows borrowers who want to purchase or refinance a condo that is not approved by Fannie Mae, Freddie Mac or FHA. Most of your common lending types, including FHA, VA, USDA, and conventional loans
- [Credit Repair Program](https://www.mycupartner.com/credit-repair-program/) - Credit Repair Program Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramThis program allows borrowers to begin the process of repairing damaged credit in order to purchase or refinance. While we do not directly offer a credit repair program, we have partnered with a company to
- [Student Loan Programs](https://www.mycupartner.com/student-loan-programs/) - Student Loan Programs Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramThis cash-out refinance offers simpler eligibility terms and reduced fees designed to provide additional options for borrowers with student debts. Many students graduating from American colleges graduate with student loan debt. We now offer a
- [ITIN Program](https://www.mycupartner.com/individual-taxpayer-identification-number-program/) - ITIN Program Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National ProgramITIN mortgage loans provide an opportunity at home ownership for undocumented immigrants. Neither citizenship or a social security number are required. Below are some of the loan criteria to qualify for an ITIN loan: Full Doc
- [Norflex Pick Your Own Term Mortgage](https://www.mycupartner.com/norflex-pick-your-own-term-mortgage/) - Co-Ops Loan TypesOther Loan TypesFresh StartInvestment PropertiesJumboPhysicians Loan ProgramReverse MortgageSelf-Employed BorrowersITIN ProgramStudent Loan ProgramsCredit Repair ProgramNonwarrantable CondosForeign National Program At Total Mortgage, we offer mortgages on Co-Ops, contact us for specific details. What’s a co-op? A housing cooperative is a group (usually a corporation) that owns a piece of real estate, like an apartment building.
- [Operation Welcome Home](https://www.mycupartner.com/operation-welcome-home/) - USDA Streamline Loan TypesGovernment LoansFHA & FHA StreamlineVA & VA StreamlineUSDAOperation Welcome HomeTHE PERFECT LOAN FOR EASY REFINANCING If you already have a USDA loan, then you’re in luck. That makes you eligible for a USDA Streamline Refinance, one of the simplest ways to refinance available today. It allows you to breeze through paperwork and
- [HomeOne 3% Down](https://www.mycupartner.com/homeone-3-down/) - HomeOne 3% Down Loan TypesConventional LoansHomeReady 3% DownHomePossible 3% DownHomeOne 3% DownHome-In-One 0% DownStandard ConventionalHomeOne is a Freddie Mac program which is a low down payment mortgage for creditworthy, borrowers with NO income limits. The biggest challenge faced by new home buyers is overwhelmingly the down payment. You’re not alone if you’ve ever thought you
- [HomePossible 3% Down](https://www.mycupartner.com/homepossible-3-percent-down/) - HomePossible 3% Down Loan TypesConventional LoansHomeReady 3% DownHomePossible 3% DownHomeOne 3% DownHome-In-One 0% DownStandard ConventionalHomePossible is a Freddie Mac program which is a low down payment mortgage for creditworthy, low to moderate-income borrowers. The biggest challenge faced by new home buyers is overwhelmingly the down payment. You’re not alone if you’ve ever thought you could
- [HomeReady 3% Down](https://www.mycupartner.com/homeready-3-percent-down/) - HomeReady 3% Down Loan TypesConventional LoansHomeReady 3% DownHomePossible 3% DownHomeOne 3% DownHome-In-One 0% DownStandard ConventionalHomeReady is a Fannie Mae program which is a low down payment mortgage for creditworthy, low to moderate-income borrowers. The biggest challenge faced by new home buyers is overwhelmingly the down payment. You’re not alone if you’ve ever thought you could
- [5 Essential Tips to Improve Your Credit and Buy Your Dream Home: A Guide for Mortgage Applicants](https://www.mycupartner.com/5-essential-tips-to-improve-your-credit-and-buy-your-dream-home-a-guide-for-mortgage-applicants/) - Buying a new home can be a challenging and exciting experience. It’s a dream come true for many people, but it also requires a lot of hard work, planning, and preparation. One of the most important aspects of buying a new home is your credit score. As a mortgage lender, I understand how crucial it
- [VA Rehabilitation](https://www.mycupartner.com/va-rehabilitation/) - Construction Loans Loan TypesRenovation Loans203K Standard203K LimitedFNMA Homestyle ProgramVA RehabilitationWhat is a Construction Loan? A single close construction loan, also known as a single close mortgage, is a financing option that combines the construction loan and the permanent mortgage into a single loan, closing the two transactions simultaneously. It eliminates the need for a separate
- [Time To Own Program](https://www.mycupartner.com/home-ownership-program/) - Time To Own Program Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramFor a limited time, CHFA will offer the Time To Own – Forgivable Down Payment Assistance loan to help alleviate
- [Prepare Your Home For Fall](https://www.mycupartner.com/prepare-your-home-for-fall-2/)
- [Should You Move On From Renting?](https://www.mycupartner.com/rentvsown/) - Mortgage rates and home prices aren't the only thing on the rise - median monthly rent continues to go up year after year. To escape rising rent, you may want to consider buying a home so you can lock in your monthly mortgage payment and avoid future increases. Owning a home is more affordable than
- [Time to Own](https://www.mycupartner.com/time-to-own/) - Audra Santos from Norcom Mortgage is one of the few lenders in the State of CT approved to close loans with the Connecticut Housing Finance Authority (CHFA) for the new Time To Own Program. The new Time To Own Program is a new forgivable down payment assistance loan that can help first time homebuyers by
- [Home of Your Own Program](https://www.mycupartner.com/home-of-your-own-program/) - Home of Your Own Program Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramCHFA can help borrowers with disabilities purchase their first home. If you, or a family member who will be
- [Military Homeownership Program](https://www.mycupartner.com/military-homeownership-program/) - Military Homeownership Program Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramCHFA is proud to offer an 0.125% off already below-market interest rates for Veterans or Military Service members loans. CHFA extends special
- [Police Homeownership Program](https://www.mycupartner.com/police-homwownership-program/) - Police Homeownership Program Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramCHFA is proud to offer an additional 0.125% off the already below-market interest rate loan to help Police Officers purchase homes in
- [Teachers Mortgage Assistance Program](https://www.mycupartner.com/teachers-mortgage-assistance-program/) - Teachers Mortgage Assistance Program Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramCHFA is proud to offer an additional 0.125% off already below-market interest rate loans to help Teachers become homeowners in
- [HFA Advantage & HFA Preferred Mortgage Loan](https://www.mycupartner.com/hfa-advantage-hfa-advantage-mortgage-loan/) - HFA Advantage & HFA Preferred Mortgage Loan Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramThe HFA Advantage and HFA Preferred mortgage Programs are popular for first-time homebuyers, as they can help borrowers
- [FHA 203K Rehabilitation Mortgage Program](https://www.mycupartner.com/fha-203k-rehab/) - FHA 203K Rehabilitation Mortgage Program Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramFHA 203(k) Rehabilitation mortgages allow first-time homebuyers to take advantage of below-market interest rate loans that cover costs of
- [Down Payment Assistance Program (DAP) Loans](https://www.mycupartner.com/dap/) - Down Payment Assistance Program (DAP) Loans Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramIf you can afford monthly mortgage payments but don’t have enough saved for the down payment, a DAP
- [USDA](https://www.mycupartner.com/usda/) - USDA Loan TypesGovernment LoansFHA & FHA StreamlineVA & VA StreamlineUSDAOperation Welcome HomeUSDA loan (Section 502) is a home loan that is guaranteed by the United States Department of Agriculture. It offers very low and competitive interest rates on home loans to borrowers with no down payment requirements. The USDA loan is one of the most
- [VA & VA Streamline](https://www.mycupartner.com/va-va-streamline/) - VA & VA STREAMLINE Loan TypesGovernment LoansFHA & FHA StreamlineVA & VA StreamlineUSDAOperation Welcome HomeVA A VA loan is a mortgage loan guaranteed by the United States Department of Veterans Affairs. It is a valuable benefit for qualifying military veterans and active servicemen and women. They program offers no down payment options with flexible qualification
- [FHA & FHA Streamline](https://www.mycupartner.com/fha-fha-streamline/) - FHA & FHA STREAMLINE Loan TypesGovernment LoansFHA & FHA StreamlineVA & VA StreamlineUSDAOperation Welcome HomeFHA An FHA Loan is a mortgage that’s insured by the Federal Housing Administration. They allow borrowers to finance homes with down payments as low as 3.5%. FHA mortgages are a great option for homebuyers looking for a mortgage program with
- [Home-In-One 0% Down](https://www.mycupartner.com/home-in-one-100-percent-financing/) - Home-In-One 0% Down Loan TypesConventional LoansHomeReady 3% DownHomePossible 3% DownHomeOne 3% DownHome-In-One 0% DownStandard ConventionalHome-In-One is a Norcom program for First Time Homebuyers in the State of Connecticut Only. This is a 100% financing with no mortgage insurance, income limits apply. Borrower Benefits and Program Details Borrower must be a First Time Homebuyer Available for
- [Standard Conventional](https://www.mycupartner.com/standard-conventional/) - Standard Conventional Loan TypesConventional LoansHomeReady 3% DownHomePossible 3% DownHomeOne 3% DownHome-In-One 0% DownStandard ConventionalStandard Conventional loans are offered as low as 5% down and do not have income restrictions. Borrower Benefits and Program Details Available for purchase transactions Cash out refinances and no cash out refinances allowed Cash out the equity of your property up
- [Rates are at Historical Lows](https://www.mycupartner.com/rates-are-at-historical-lows/)
- [5 Ways To Make Your Home Your Valentine!](https://www.mycupartner.com/5-ways-to-make-your-home-your-valentine/) - This is the season of love, so why not show your home some TLC! We’re not talking Valentine’s Day décor, although there are many options available. After the hectic holidays, your home may still be cluttered or suddenly feeling lackluster. Here are 5 simple ways you can make your home your Valentine this year: Deep Clean Cleaning your home can change your perspective about your space and
- [What Are Home Inspectors Looking For?](https://www.mycupartner.com/what-are-home-inspectors-looking-for/) - Many home buyers will enlist the help of a professional inspector prior to the closing of a sale. A home inspector can evaluate any issues that might be costly down the road and can analyze the condition of the home. While all houses, both old and new, have their issues, there are a few key
- [Save $$$ On Your Move](https://www.mycupartner.com/save-money-on-your-move/) - Let’s face it, moving is a chore! Even if you have great friends willing to help you out in return for beer and pizza, the actual cost of a move can add up quickly. If you’ve got plans on the horizon to pack up, take note of these great ways to save you as much
- [Getting a Mortgage after Bankruptcy](https://www.mycupartner.com/getting-a-mortgage-after-bankruptcy/) - A bankruptcy filing delivers a devastating blow to your credit and FICO score, but it doesn’t mean you have to wait 10 years before you can qualify for a mortgage. Many consumers who have filed for bankruptcy have been able to obtain a mortgage, although it is often at a higher rate than someone qualifying
- [The bi-weekly mortgage myth](https://www.mycupartner.com/the-bi-weekly-mortgage-myth/) - If you search for “bi-weekly mortgage” with an Internet search engine, you will be overwhelmed by the number of companies offering “Bi-weekly Mortgage Reduction Services” or “Bi-weekly Savings Programs.” Beware, you are entering dangerous waters. Beware of Bi-Weekly Mortgage Reduction Services and Savings Programs These “Reduction Services” and “Savings Programs” are charging you fees to
- [Title insurance: why bother?](https://www.mycupartner.com/title-insurance-why-bother/) - Essentially: Title Insurance = Peace of Mind Buying a home may be the biggest investment you make in your lifetime. So before you commit to the transaction, you want to be sure that the “title” of the property is clear of other claims. A title insurance company does all the research to insure that a property has
- [What is PMI?](https://www.mycupartner.com/what-is-pmi/) - PMI: Private Mortgage Insurance Private Mortgage Insurance helps you get the loan Private Mortgage Insurance, also known as PMI, is a supplemental insurance policy you may be required to obtain in order to get a mortgage loan. PMI is provided by private (non-government) companies and is usually required when your loan-to-value ratio — the amount
- [How Escrow Works](https://www.mycupartner.com/how-escrow-works/) - Closing the Sale – Escrow To finalize the sale of the home a neutral, third party (the escrow holder, a.k.a. escrow agent) is engaged to assure the transaction will close properly and on time. The escrow holder ensures that all terms and conditions of the seller’s and buyer’s agreement are met prior to the sale
- [Interest Rate vs. APR](https://www.mycupartner.com/interest-rate-vs-apr/) - What is the difference between the interest rate and the A.P.R.? You’ll see an interest rate and an Annual Percentage Rate (A.P.R.) for each mortgage loan you see advertised. The easy answer to “why” is that federal law requires the lender to tell you both. The A.P.R. is a tool for comparing different loans, which
- [Is Refinancing Right for You?](https://www.mycupartner.com/is-refinancing-right-for-you/) - Weighing the Options of Refinancing Ever hear the old rule of thumb that states you should only consider refinancing if your new interest rate will be at least 2 points below your existing one? Maybe that was sound advice a number of years ago, but as refinance costs have been falling recently, it may be
- [3 Types of Insurance Every Homeowner Should Know About](https://www.mycupartner.com/three-types-insurance-every-homeowner-should-know-about/) - What’s the difference between homeowner’s insurance, mortgage insurance and title insurance? HOMEOWNER’S INSURANCE A homeowner’s insurance policy is a package policy that combines more than one type of insurance coverage in a single policy. There are four types of coverages that are contained in the homeowners policy: dwelling and personal property, personal liability, medical payments, and additional
- [Documenting Assets is Serious Business](https://www.mycupartner.com/documenting-assets-serious-business/) - Verifying Your Down Payment, Closing Costs, Assets, Income and Debts A critical step in the mortgage loan application process is to verify the sources for your down payment, closing costs and assets, as well as documenting income and debts. The lender uses this step to determine your qualifications as a borrower. Down Payment & Closing
- [Using Your 401K for a Down Payment](https://www.mycupartner.com/using-your-401k-for-a-down-payment/) - Should You Use Your 401(K) as a Down Payment on a Home? You’ve finally found the home of your dreams. There’s just one thing standing between you and your new house: The down payment. Many home buyers today opt to use funds from their employer’s 401(K) program to come up with the down payment on
- [What are Closing Costs?](https://www.mycupartner.com/what-are-closing-costs/) - Certain standard costs are related to closing the sale of a house. Sellers and buyers customarily share these closing costs, as specified in the sales contract. As indicated below, many of the closing costs result from getting your mortgage. Since Community Trust Lending Team at Norcom Mortgage-NMLS ID#71655 has extensive experience with mortgages & closings,
- [The Hidden Costs of Homebuying](https://www.mycupartner.com/hidden-costs-homebuying/) - Loan-Related Closing Costs Loan Origination Fee This covers the administrative expenses in setting-up and processing the loan. The loan origination fee may be a percentage of the mortgage amount. Points (optional) An option for the home buyer is to pay points to lower the interest rate at which the loan will be repaid. Each point
- [4 Things to Avoid When Purchasing a Home](https://www.mycupartner.com/four-things-to-avoid-when-purchasing-home/) - With the thrill that comes with an accepted offer and a “yes” from the lender, many homebuyers make the mistake of taking their enthusiasm straight to the mall or appliance store. There are still a few major hurdles to jump over before the keys are handed over. Here are four things to avoid during the
- [Credit scores explained](https://www.mycupartner.com/credit-scores-explained/) - Before lenders decide to lend you money, they need to know if you’re willing and able to repay the loan. To calculate your ability to repay, lenders look at your debt-to-income ratio. To assess your willingness to repay, they use your credit score. The most commonly used credit scores are FICO scores, developed by the
- [What is a HUD-1 Settlement Statement?](https://www.mycupartner.com/what-is-hud-1-settlement-statemennt/) - The HUD-1, also known as the settlement statement, is a prescribed form from the U.S. Department of Housing and Urban Development (HUD). This form itemizes all charges imposed on the borrower and all charges imposed on the seller in connection with the settlement of your real estate transaction. One business day before the settlement, you
- [4 Tips on Becoming a Landlord](https://www.mycupartner.com/4-tips-on-becoming-a-landlord/) - Owning a rental property is a great way to maximize your investment, but being a landlord is a lot of work. Before you jump into the role, consider these tips: 1. Be Realistic Understand that becoming a landlord is challenging and requires a certain temperament and set of skills. Repairs that need to be done
- [Fixed Rate vs. Adjustable Rate Mortgages](https://www.mycupartner.com/fixed-rate-vs-adjustable-rate-mortgages/) - Fixed Rate Mortgages A fixed-rate loan features the same payment for the entire duration of your mortgage. Your property taxes increase, or rarely, decrease, and your insurance rates might vary as well. For the most part payments on a fixed-rate mortgage will increase very little. When you first take out a fixed-rate mortgage loan, most of your
- [Homeowner Deductions You Need To Know About](https://www.mycupartner.com/homeowner-deductions-you-need-to-know-about/) - Expenditures of owners of deductible One of the benefits of owning your own home is that mortgages and property taxes paid can be deducted from your federally owned income.* To do this, you must comply with current land laws and complete the appropriate federal tax forms and detailed deduction schedules. Residential Mortgage Intent In order
- [How To Get A Low Interest Rate](https://www.mycupartner.com/how-to-get-a-low-interest-rate/) - Locking in your Interest Rate When you are promised a “rate lock” from your lender, it means that you are guaranteed to get a specific interest rate for a certain number of days while you work on your application process. This protects you from going through your whole application process and finding out at the
- [What's New In Home Tech?](https://www.mycupartner.com/whats-new-in-home-tech/) - Do you remember the best, state-of-the-art home tech from when you were a child? Maybe it was the next-door neighbor who had a central vacuum system throughout their house, where a hose could be found behind a tiny flap in each room, ready to clean up dust or any messes. To a 5-year-old mind, this ‘smart house’ was amazing. Since that central vacuum, home
- [How To Choose The Right Renovation Loan](https://www.mycupartner.com/how-to-choose-right-renovation-loan/) - With the spring market warming up, many people are going to be filling their weekends with house hunting. But if an affordable, move-in-ready space to fall in love with can’t be found, homebuyers shouldn’t avoid fixer-uppers or older homes. With a renovation specific home loan, potential borrowers can combine the purchase price and the improvement costs into the
- [5 Tips for Sustainable Home Renovation](https://www.mycupartner.com/5-tips-for-sustainable-home-renovation/) - Do you have plans to remodel a part of your home? Consider looking into sustainable materials and energy efficient appliances. A sustainable and environmentally friendly home is not only good for the planet but can also save you money over time. 1. Make energy-efficient upgrades. Updating large appliances will reduce your electricity and water bills.
- [Buying vs. Building: Which is More Cost Effective?](https://www.mycupartner.com/buying-vs-building-which-is-more-cost-effective/) - Many homebuyers, both first-timers and experienced movers, have wondered whether buying an existing home or building one to their specifications is a better fit for their needs. Here’s what you need to know: The Upfront Costs Existing Home: The price of a home varies widely depending on location, square footage, condition, amenities, and other factors. Building a New
- [Buying a Starter Home vs. a Forever Home](https://www.mycupartner.com/buying-starter-home-vs-forever-home/) - We often post about knowing when the time is right to buy your first home. Deciding between renting and buying can be a daunting task for many. So, if you know that the time is right for you to buy, you may now be feeling the pressure to choose whether to buy a ‘starter home’
- [Welcome to the neighborhood: Tips on what to look for when buying a home](https://www.mycupartner.com/welcome-to-the-neighborhood-tips-on-what-to-look-for-when-buying-a-home/) - The purchase of your first, or even a new home is one of the biggest investments you’ll make in your life. It’s easy to get distracted by all the listing photos available as you scroll through Realtor.com or Zillow, and while a great kitchen is important, it’s the information you won’t find in a photo
- [Homebuying Warning Signs](https://www.mycupartner.com/homebuying-warning-signs/) - Going on house tours in search for your next home can be a lot of fun. After scanning the listing photos, you finally get to see the property in person. Chances are the new kitchen catches your eye, or the layout seems perfect. Very few people take the time to investigate a home thoroughly when
- [5 Benefits of Owning vs. Renting](https://www.mycupartner.com/5-benefits-of-owning-vs-renting/) - If you are one of the many people weighing the pros and cons of renting vs. buying a home, there are several things to consider before making a decision. After working through the various cost comparisons, deciding on a location, and researching the market values in that area, you might find yourself still on the
- [Vacation Homes: What To Consider Before You Buy](https://www.mycupartner.com/vacation-homes-what-to-consider-before-you-buy/) - We all dream of it; owning our own vacation home, maybe somewhere on the beach or a ski condo we can bring the family to. While owning a second home in an ideal location can be a great long-term investment, there are certainly things to consider before committing to the purchase. Commitment to Location With
- [Affording A Mortgage With Student Debt](https://www.mycupartner.com/affording-a-mortgage-with-student-debt/) - Many of the people who make up the first-time home buyer demographic have one thing in common; they also happen to be in the process of paying back large student loans. Roughly 70% of graduates leave college with debt, which can make the prospect of also buying a house seem impossible. But, with the help
- [5 Simple Strategies To Help Organize Your Finances](https://www.mycupartner.com/5-simple-strategies-to-help-organize-your-finances/) - Whether you are considering buying a home or not, having your finances organized is important. The ability to manage money well can help you afford a life that is a little more comfortable and a little less stressful. These tips will give you a jump start on being more in control of your money without
- [5 Buying Tips For Millennial Homeowners](https://www.mycupartner.com/5-buying-tips-for-millennial-homeowners/) - The Millennial generation has a considerably more challenging road to homeownership in large part to increased student debt and challenges with credit. Oftentimes, Millennials looking to buy their first home are under the impression that it’s not possible and choose to rent instead. However, by following these 5 buying tips, the Millennial generation can make
- [Preapproval vs. Prequalification: What's The Difference?](https://www.mycupartner.com/preapproval-vs-prequalification-whats-the-difference/) - Whether you are new to the mortgage process or a veteran of the industry, the terms used in the initial steps of getting a loan can at times be confusing and misleading. Understanding the difference between a pre-qualification and a pre-approval helps determine how much house you can afford, and if you are qualified to
- [Firefighters Homeownership Program](https://www.mycupartner.com/firefighters-homeownership-program/) - Firefighters Homeownership Program Loan TypesCHFA LoansDown Payment Assistance Program (DAP) LoansFHA 203K Rehabilitation Mortgage ProgramHFA Advantage & HFA Preferred Mortgage LoanTeachers Mortgage Assistance ProgramPolice Homeownership ProgramMilitary Homeownership ProgramHome of Your Own ProgramTime To Own ProgramCHFA is proud to offer an additional 0.125% off the already below-market interest rate loan to help Firefighters purchase homes in
- [CHFA](https://www.mycupartner.com/chfa/) - Did You Know Norcom is a CHFA lender? · CHFA has below market interest rate mortgages for first time homebuyers • Program available to low-to-moderate income families and individuals in Connecticut • CHFA has many mortgage programs, including special loans for Teachers, Police Officers, Military personnel, Veterans and residents with disabilities. • FHA, Fannie Mae,
- [Refinance](https://www.mycupartner.com/refinance/) - REFINANCE TO RESTORE Turn your less-than-perfect home back into your Dream Home! We allow you to refinance your home and renovate it, all in one loan with one monthly payment! RENOVATION LOAN BENEFITS A Renovation Loan gives you a convenient, economical way to make renovations or repairs rather than taking out a home equity line
- [Jumpstart](https://www.mycupartner.com/jumpstart/) - Why Every Buyer Should Get Pre-approved. What is the benefit of having a mortgage pre-approval when looking for a house? There is a difference between a mortgage prequalification and pre-approval. A prequalification is based on the information you verbally give to qualify for a mortgage. A pre-approval is reviewed by an underwriter to be sure

## Pages

- [Home](https://www.mycupartner.com/) - Schedule A Free ConsultationNeed credit repair help?Welcome to Your Homebuying Hub! Where Dreams Come Home! We are dedicated to serving everyone in their homeownership journey, from first-time homebuyers to recurring homeowners seeking assistance. With tailored mortgage solutions and exceptional service, we make your dreams a reality. Explore our website for valuable resources, competitive rates, and
- [Our Team](https://www.mycupartner.com/about/our-team/) - COMMUNITY TRUST LENDING TEAM AboutOur TeamWho We HelpWhat To ExpectAudra Santos Vice President, Branch Manager 203-526-9345 Hi, I am Audra Santos, proud to call Monroe, CT my hometown. With a career spanning 25+ years in the mortgage industry, I’ve had the privilege of helping countless individuals and families achieve their homeownership dreams. At the heart
- [Sound Federal Credit Union](https://www.mycupartner.com/soundfcu/) - A PARTNERSHIP FOR YOUR HOME GOALS MORTGAGE SOLUTIONS EXCLUSIVELY FOR SOUND FEDERAL CREDIT UNION MEMBERSWhether you’re a first-time homebuyer, ready to settle into your dream home, looking to refinance or exploring your options, we are here to make your journey as seamless and rewarding as possible. Our mortgage partner, Audra Santos, from Total Mortgage, is
- [Start Your Application](https://www.mycupartner.com/start-your-application/) - Start Your Application What to Expect During the Application ProcessApplying for your mortgage has never been easier. Our streamlined online platform allows you to: Complete Your Application Anywhere: Apply from your desktop or mobile device at your convenience. Track Your Progress: Stay updated with real-time notifications and loan status updates. Upload Documents Securely: Scan and
- [CENCAP FCU](https://www.mycupartner.com/cencapfcu/) - A PARTNERSHIP FOR YOUR HOME GOALS MORTGAGE SOLUTIONS EXCLUSIVELY FOR CENCAP FEDERAL CREDIT UNION MEMBERSWhether you’re a first-time homebuyer, ready to settle into your dream home, looking to refinance or exploring your options, we are here to make your journey as seamless and rewarding as possible. Our mortgage partner, Audra Santos, from Total Mortgage, is
- [CTFFCU](https://www.mycupartner.com/ctffcu/) - A PARTNERSHIP FOR YOUR HOME GOALS MORTGAGE SOLUTIONS EXCLUSIVELY FOR CT FIREFIGHTERS FEDERAL CREDIT UNION MEMBERSWhether you’re a first-time homebuyer, ready to settle into your dream home, looking to refinance or exploring your options, we are here to make your journey as seamless and rewarding as possible. Our mortgage partner, Audra Santos, from Total Mortgage,
- [Licensing](https://www.mycupartner.com/licensing/) - LicensingAL Alabama Consumer Credit License – License No.22256 AR Arkansas Combination Mortgage Banker-Broker-Servicer License – License No. 103968. AZ Arizona – Mortgage Banker License – License No. 0924361 – Address: 25030 S. 190th Street, Queen Creek, Arizona 85142 CA California – DOC Finance Lenders Law License – License No. 6038205. Licensed by the Department of
- [Forms](https://www.mycupartner.com/resources/forms/) - FORMS LINKS New to eSigning? CLICK HERE to watch a video that walks you through the eSigning process and explains how to use this website to view, sign, and return the requested loan documents. CHECKLISTS Limited Condominium Review Form Full Condominium Review Form PACKAGES FHA 203K Rehabilitation Package FHA 203K Limited Rehabilitation Package FNMA Homestyle
- [Other Loan Types](https://www.mycupartner.com/other-loan-types/) - OTHER LOAN TYPES Conventional LoansGovernment LoansCHFA LoansRenovation LoansOther Loan TypesNon-Conforming loans are loans that do not conform to the loan purchasing guidelines set by Fannie Mae/Freddie Mac. ALL NON-CONFORMING LOANS ARE AVAILABLE FOR REFINANCE & PURCHASE TRANSACTIONS. FRESH STARTFor borrowers who had a recent life or credit event (i.e., bankruptcy, foreclosure, etc.) and don’t conform
- [Contact](https://www.mycupartner.com/contact/) - Get In Touch Audra Santos | NMLS #49570 VP, Branch Manager Community Trust Lending Team at Total Mortgage | NMLS #2764731 Main Street, Unit 101 | Monroe, CT 06468 MAIN NUMBER: 203-526-9345 For inquiries, click on the calendar link below: https://calendly.com/mortgagepartner or send an email directly to asantos@totalmortgage.com.
- [Terms Of Use](https://www.mycupartner.com/terms-of-use/) - Terms Of Use Web Site Terms and Conditions of Use 1. Terms By accessing this web site, you are agreeing to be bound by these web site Terms and Conditions of Use, all applicable laws and regulations, and agree that you are responsible for compliance with any applicable local laws. If you do not agree
- [Privacy Policy](https://www.mycupartner.com/privacy-policy/) - Privacy Policy This privacy policy governs the use of information by Total Mortgage Services, LLC (“Total Mortgage”) as collected on www.totalmortgage.com(“Website”). This privacy notice applies solely to information collected by this web site. While using this site, you may click a link which brings you to a site not controlled or owned by Total Mortgage.
- [About](https://www.mycupartner.com/about/) - ABOUT AboutOur TeamWho We HelpWhat To ExpectWelcome to Community Trust Lending Team at Total Mortgage, your trusted partner for all your mortgage needs. With our team of dedicated professionals, we streamline the mortgage process, providing direct lending services backed by our expertise. As direct servicers for FHA, Fannie Mae, and Freddie Mac, we offer a
- [Blog](https://www.mycupartner.com/blog/) - BLOG 5 Essential Tips to Improve Your Credit and Buy Your Dream Home: A Guide for Mortgage Applicants Gallery 5 Essential Tips to Improve Your Credit and Buy Your Dream Home: A Guide for Mortgage Applicants General 5 Essential Tips to Improve Your Credit and Buy Your Dream Home: A Guide for Mortgage ApplicantsBy admin|2023-07-02T21:43:55+00:00July
- [Get Your Credit Report](https://www.mycupartner.com/resources/get-your-credit-report/) - Get Your Credit Report Take control of your financial future with MyFICO.com. Don’t settle for unreliable credit scores. Trust the industry leader used by 90% of top lenders. FICO.com scores provide the most accurate representation of your creditworthiness, ensuring you make informed decisions. Avoid surprises when applying for a mortgage and gain the confidence you
- [Renovation Loans](https://www.mycupartner.com/renovation-loans/) - RENOVATION LOANS Conventional LoansGovernment LoansCHFA LoansRenovation LoansOther Loan TypesA renovation mortgage is a mortgage that not only covers the cost of the home, but also provides funds that can be used to cover the cost of repairing, restoring, or otherwise improving the home. You can finance both the purchase or refinance along with the renovation
- [Who We Help](https://www.mycupartner.com/about/who-we-help/) - WHO WE HELP AboutOur TeamWho We HelpWhat To ExpectCredit Union Members Audra is a top producer in the lending industry and has more than 21+ years of experience. She has extensive knowledge in various products, programs and processes which allows for a highly communicative and collaborative lending experience. Audra shares the core values of honesty
- [Referral Network](https://www.mycupartner.com/referral-network/) - Referral Network Below is a list of successful referral partners (including real estate agents, attorneys, home inspectors, financial planners, etc) that can help you with your homebuying needs. Please reach out to us if you have any questions. CONNECTICUTREALTORS – CONNECTICUT – FAIRFIELD COUNTYKimberly Levinson Coldwell Banker Realty (203) 218-6786 kim.levinson@coldwelbankermoves.com ABOUT KIMCONNECTICUTREALTORS CONNECTICUT –
- [Calculators](https://www.mycupartner.com/resources/calculators/) - CALCULATORS MOBILE CALCULATOR Simplenexus calculatorSign up for our mobile calculator application. It is the best calculator for getting monthly payments while you are shopping for your home. RESEARCHING AffordabilityCompute how much you can spend on a monthly mortgage payment. Interest OnlyCompare the savings of an interest only mortgage versus a fully amortized mortgage. RefinanceCompare your
- [CHFA Loans](https://www.mycupartner.com/chfa-loans/) - CHFA LOANS Conventional LoansGovernment LoansCHFA LoansRenovation LoansOther Loan TypesCHFA Loans are offered through the Connecticut Housing Finance Authority. They are for First Time Homebuyers who are looking to purchase a home in certain areas that are targeted for revitalization. The interest rates on these loans are below-market. ALL CHFA LOANS ARE AVAILABLE FOR REFINANCE &
- [Uniform Residential Loan Application](https://www.mycupartner.com/uniform-residential-loan-application/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [What To Expect](https://www.mycupartner.com/about/what-to-expect/) - WHAT TO EXPECT AboutOur TeamWho We HelpWhat To ExpectOutstanding Communication We keep you informed and return all emails and calls promptly so that you never have to wonder what is going on with your loan. Professional Support Count on us to be there with you and to help you navigate the entire mortgage process. We’ll
- [Home - OLD](https://www.mycupartner.com/home-old/) - Credit Union Partners We help any size credit union fulfill their members dreams of homeownership with a full suite of mortgage loan offerings. New to us? Find Out MoreExisting partner? Log In HereCredit Union Members Our mortgage loan center provides the highest level of service throughout your loan process and offers the most competitive rates.
- [Loan Types](https://www.mycupartner.com/loan-types/) - LOAN TYPES Conventional LoansMortgages that are not insured / guaranteed by the federal government. Conforms to Fannie Mae / Freddie Mac’s underwriting requirements and loan limits. Learn MoreGovernment LoansMortgages insured by the Federal Housing Administration, or guaranteed by the Department of Veterans’ Affairs / Rural Housing Service. Learn MoreCHFALoans offered to First Time Homebuyers looking
- [Resources](https://www.mycupartner.com/resources/) - RESOURCES FORMS Checklist, Packages, Letters and Statements, along with a video link that walks you through the eSigning process. CALCULATORS Specialized for Researching (compare, compute) and for Budgeting (compare, calculate). GET YOUR CREDIT REPORT Links to access your report and credit consultation services. GLOSSARY OF TERMS Come across an unfamiliar word? Learn its meaning here.
- [Start Your Application - Credit Unions](https://www.mycupartner.com/start-your-app-credit-unions/) - Start Your Application – Credit Unions Step One: Choose your credit union below CT Credit Unions Please select 360 Achieve Financial American Eagle Financial America's First Network Arnold Bakers Employees ASA Bridgeport City Employees Bridgeport Police Bridgeport Post Office C S P Employees Cencap Charter Oak Community CU Of New Milford Inc. Community Healthcare Connecticut
- [GHA Federal Credit Union](https://www.mycupartner.com/partners-portal/gha-federal-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Process](https://www.mycupartner.com/process/) - PROCESS There is little question that getting a mortgage loan is a complex process. You wouldn’t be visiting our site if it were possible to fill out a simple loan app and receive a great loan funded in one day. We do the heavy lifting for you, so you can concentrate on what’s important —
- [Members](https://www.mycupartner.com/members/) - MEMBERS People Helping People Norcom Mortgage is a direct lender which means there is no middleman, you are dealing directly with the decision makers on your mortgage. How does this help you as a member? They have access to many programs that will help you without all the overlays that hinder you from obtaining a
- [Technology](https://www.mycupartner.com/technology/) - Technology [ihc-visitor-inside-user-page] Partner LoginWhy Partner?Norcom Family ValuesStrategic Partner of CULCTTypes of PartnershipsTechnologyNorcom CaresAdvancements in technology are changing the way we do business and engage your members. Our full technology suite is at the forefront in the industry and enables us to do our job more efficiently. Our integrated and synced systems manage our day-to-day activities,
- [Types of Partnerships](https://www.mycupartner.com/types-of-partnerships/) - Types of Partnerships [ihc-visitor-inside-user-page] Partner LoginWhy Partner?Norcom Family ValuesStrategic Partner of CULCTTypes of PartnershipsTechnologyNorcom CaresThe need for a trusted mortgage partner is evolving and we are 100% dedicated on providing you solutions that enable all existing and emerging members with the opportunity to find a home. Working with our credit union partners, we are changing
- [Norcom Family Values](https://www.mycupartner.com/norcom-family-values/) - Norcom Family Values [ihc-visitor-inside-user-page] Partner LoginWhy Partner?Norcom Family ValuesStrategic Partner of CULCTTypes of PartnershipsTechnologyNorcom CaresAs Norcom has grown throughout the years, it was important as a company to maintain the family atmosphere we have had since day one. This is why we believe we fit so well with the credit union philosophy of “people helping
- [Why Partner?](https://www.mycupartner.com/why-partner/) - Why Partner? [ihc-visitor-inside-user-page] Partner LoginWhy Partner?Norcom Family ValuesStrategic Partner of CULCTTypes of PartnershipsTechnologyNorcom CaresThe Norcom Difference Audra Santos is the VP of Credit Union Lending for Norcom Mortgage and is uniquely positioned to provide credit unions with one of the strongest, most comprehensive credit union mortgage programs in the industry today-and in the future. Credit
- [Webinars](https://www.mycupartner.com/webinars/) - Forms RENOVATION LOANS Purchase or Refinance with a Renovation Loan Interested in renovating your current property or buy a property that needs to be renovated? CLICK HERE to watch a renovation webinar. CHECKLISTS Limited Condominium Review Form Full Condominium Review Form PACKAGES FHA 203K Rehabilitation Package FHA 203K Limited Rehabilitation Package FNMA Homestyle Rehabilitation Package
- [CT Labor Department Federal Credit Union](https://www.mycupartner.com/partners-portal/ct-labor-department-federal-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Greenwich Municipal EFCU](https://www.mycupartner.com/partners-portal/greenwich-municipal-efcu/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [FD Community Federal Credit Union](https://www.mycupartner.com/partners-portal/fd-community-federal-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Hartford Firefighters Federal Credit Union](https://www.mycupartner.com/partners-portal/hartford-firefighters-federal-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [LMCU Lawrence + Memorial Credit Union](https://www.mycupartner.com/partners-portal/lmcu-lawrence-memorial-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Members Credit Union](https://www.mycupartner.com/partners-portal/members-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [New London Municipal Employees Credit Union](https://www.mycupartner.com/partners-portal/new-london-municipal-employees-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Tri-Town Teachers Federal Credit Union](https://www.mycupartner.com/partners-portal/tri-town-teachers-federal-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Wellness Federal Credit Union](https://www.mycupartner.com/partners-portal/wellness-federal-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Western Connecticut Federal Credit Union](https://www.mycupartner.com/partners-portal/western-connecticut-federal-credit-union/) - Thank you for contacting your credit union partner for your financing needs. After you fill out the loan application, it will be directed to one of our mortgage consultants and we will contact you within 24 hours to discuss in detail. We look forward to helping you with the loan process. If at any time
- [Partners Contact](https://www.mycupartner.com/partners-contact/) - Let’s Build Something Together Audra Santos | Vice President of Credit Union Lending Your Credit Union Mortgage Partner Community Trust Lending Team at Norcom Mortgage | NMLS #49570 731 Main Street, Unit 101 | Monroe, CT 06468 Email: audra.santos@norcom-usa.com Cell: 203-526-9345 Fax: 203-841-1008 To make an appointment with Audra Santos: https://calendly.com/mortgagepartner [vfb id=20]
- [Realtors Contact](https://www.mycupartner.com/realtors-contact/) - Let’s Connect Audra Santos | Vice President of Credit Union Lending Community Trust Lending Team at Norcom Mortgage | NMLS #49570 731 Main Street, Unit 101 | Monroe, CT 06468 Email: audra.santos@norcom-usa.com Cell: 203-526-9345 Fax: 203-841-1008 To make an appointment with Audra Santos: https://calendly.com/mortgagepartner [vfb id=21]
- [CU Parnter Short Forms](https://www.mycupartner.com/cu-parnter-short-forms/) - [ihc-user-page]Credit Union Short Forms Tri-Town Federal Loan Application - SHORT [vfb id=34] Tri-Town Teachers FCU – Short Form [vfb id=34]CT Labor Dept CU Application Short Form[vfb id=35]CT Labor Dept CU Application Short Form [vfb id=35]FD Community CU Short Form[vfb id=36]FD Community CU Short Form [vfb id=36]GHA Federal CU Short Form[vfb id=37]GHA Federal CU Short Form
- [Credit Union Partner Account Page](https://www.mycupartner.com/credit-union-partner-account-page/) - View ApplicationsView Marketing Materials
- [Admin Short Forms](https://www.mycupartner.com/admin-short-forms/) - [ihc-user-page]Credit Union Short Forms Tri-Town Federal Loan Application - SHORT [vfb id=34] Tri-Town Teachers FCU – Short Form [vfb id=34]CT Labor Dept CU Application Short Form[vfb id=35]CT Labor Dept CU Application Short Form [vfb id=35]FD Community CU Short Form[vfb id=36]FD Community CU Short Form [vfb id=36]GHA Federal CU Short Form[vfb id=37]GHA Federal CU Short Form
- [Admin Applications Page](https://www.mycupartner.com/admin-applications-page/) - [ihc-user-page] Credit Union Applications Tri-Town FCU[vfbp-display-entries id=”5″] [vfbp-display-entries id=”34″]CT Labor Department [vfbp-display-entries id=”6″] [vfbp-display-entries id=”35″]FD Community Federal[vfbp-display-entries id=”7″] [vfbp-display-entries id=”36″]GHA Federal[vfbp-display-entries id=”8″] [vfbp-display-entries id=”37″]Greenwich Municipal Employees[vfbp-display-entries id=”9″] [vfbp-display-entries id=”38″]Hartford Firefighters Federal[vfbp-display-entries id=”10″] [vfbp-display-entries id=”39″]Lawrence Memeorial[vfbp-display-entries id=”11″] [vfbp-display-entries id=”40″]Members Credit Union[vfbp-display-entries id=”12″] [vfbp-display-entries id=”41″]New London Municipal[vfbp-display-entries id=”13″] [vfbp-display-entries id=”42″]Western CT Federal[vfbp-display-entries id=”14″] [vfbp-display-entries id=”43″]Wellness Federal[vfbp-display-entries id=”15″]
- [Admin Members Account Page](https://www.mycupartner.com/admin-members-account-page/) - View Short FormsView ApplicationsView Marketing Materials
- [Partner Marketing Materials Page](https://www.mycupartner.com/partner-marketing-materials/) - [ihc-user-page]
- [Credit Unions Applications Page](https://www.mycupartner.com/credit-unions-applications-page/) - [ihc-user-page] [ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”1″ ihc_mb_template=”1″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”2″ ihc_mb_template=”2″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”3″ ihc_mb_template=”3″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”4″ ihc_mb_template=”4″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”5″ ihc_mb_template=”5″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”6″ ihc_mb_template=”6″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”7″ ihc_mb_template=”7″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”8″ ihc_mb_template=”8″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”9″ ihc_mb_template=”9″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”10″ ihc_mb_template=”10″ ][/ihc-hide-content][ihc-hide-content ihc_mb_type=”block” ihc_mb_who=”11″ ihc_mb_template=”11″ ][/ihc-hide-content]
- [Partner Account Page](https://www.mycupartner.com/partner-account-page/) - [ihc-user-page]
- [Processing & Underwriting](https://www.mycupartner.com/process/processing-underwriting/) - PROCESSING & UNDERWRITING ProcessDecidePre-QualifyApplyProcessing & UnderwritingClosing & FundingOnce you have sent all your loan documentation to your loan officer, it is submitted to processing to begin working on your loan. At this time you will deal more with our processing team to ensure your closing is on time and you are getting the correct documents
- [Government Loans](https://www.mycupartner.com/government-loans/) - GOVERNMENT LOANS Conventional LoansGovernment LoansCHFA LoansRenovation LoansOther Loan TypesA mortgage which is insured by the Federal Housing Administration (FHA), or guaranteed by the Department of Veterans’ Affairs or the Rural Housing Service. ALL GOVERNMENT LOANS ARE AVAILABLE FOR REFINANCE & PURCHASE TRANSACTIONS. FHA & FHA StreamlineMortgages insured by the Federal Housing Administration. Allow borrowers to
- [Conventional Loans](https://www.mycupartner.com/conventional-loans/) - CONVENTIONAL LOANS Conventional LoansGovernment LoansCHFA LoansRenovation LoansOther Loan TypesConventional Loans, also referred to as Conforming Loans, is a type of mortgage that is not insured or guaranteed by the federal government. These loans conform to Fannie Mae and Freddie Mac’s underwriting requirements and loan limits. ALL CONVENTIONAL LOANS ARE AVAILABLE FOR REFINANCE & PURCHASE TRANSACTIONS.
- [Realtor Referral](https://www.mycupartner.com/realtor-referral/) - Realtor Referral You have been directed to this page because your realtor has trusted us with your mortgage experience. Your real estate agent wants your transaction to close smoothly and one of the biggest factors involved with buying a home is the financing end of the arrangement. You can rely on our team with our
- [Closing & Funding](https://www.mycupartner.com/process/closing-funding/) - CLOSING & FUNDING ProcessDecidePre-QualifyApplyProcessing & UnderwritingClosing & FundingClosing Our closing department has received your final approval and will now issue a clear to close to your attorney. The attorney will reach out to you to set up your closing time and date. The “closing” is the last step in buying and financing a home. The
- [Apply](https://www.mycupartner.com/process/apply/) - APPLY ProcessDecidePre-QualifyApplyProcessing & UnderwritingClosing & FundingApplying for a loan can be done any way that is convenient for you….in person, on the phone, via an online application, fax, etc. Our loan applications are available 24/7 to apply for a loan and we guarantee a call within 24 hours of receiving your loan details. Our job
- [Decide](https://www.mycupartner.com/process/decide/) - DECIDE ProcessDecidePre-QualifyApplyProcessing & UnderwritingClosing & FundingDECIDE ON YOUR MAXIMUM LOAN AMOUNTA couple of factors will help you determine the maximum total amount you should borrow for a loan: What kind of monthly payment are you looking for? Based on your given income and credit history, what is the maximum you can borrow from a lender?
- [Pre-Qualify](https://www.mycupartner.com/process/pre-qualify/) - PRE-QUALIFY ProcessDecidePre-QualifyApplyProcessing & UnderwritingClosing & FundingThe loan pre-qualification is a process that preapproves you for a specific loan amount when purchasing a home. To document the loan prequalification, you will receive a letter from us which shows the buyers a clear picture you are qualified for a mortgage. In order to get prequalified, we will
- [Strategic Partner of CULCT](https://www.mycupartner.com/strategic-partner-culct/) - Strategic Partner of CULCT [ihc-visitor-inside-user-page] Partner LoginWhy Partner?Norcom Family ValuesStrategic Partner of CULCTTypes of PartnershipsTechnologyNorcom CaresThe Credit Union League of Connecticut is a valued partner in making Connecticut’s credit unions successful by removing barriers, creating awareness, and fostering service excellence. Audra Santos, Vice President of Credit Union Lending and Norcom Mortgage are proud to be
- [Norcom Cares](https://www.mycupartner.com/norcom-cares/) - Norcom Cares [ihc-visitor-inside-user-page] Partner LoginWhy Partner?Norcom Family ValuesStrategic Partner of CULCTTypes of PartnershipsTechnologyNorcom CaresAs a growing company, we have the opportunity to give back to the communities we serve. Norcom Cares our outreach division, partners with and participates in fundraising for national charities, as well as those in our own back yard. Our involvement is
- [Marketing Flyers](https://www.mycupartner.com/marketing-flyers/) - [ihc-visitor-inside-user-page] Interested in Becoming a Partner? Go To Partners Page
- [Glossary of Terms](https://www.mycupartner.com/resources/glossary/) - Glossary of Terms A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z ABSORPTION
- [Partner Default Redirect Page](https://www.mycupartner.com/partner-default-redirect-page/) - Partner Default Redirect Page Redirected
- [Partners Portal](https://www.mycupartner.com/partners-portal/) - Partners Portal Partner LoginWhy Partner?Norcom Family ValuesStrategic Partner of CULCTTypes of PartnershipsTechnologyNorcom CaresLorem ipsum dolor sit amet, consectetur adipiscing elit. Suspendisse blandit laoreet erat at mattis. Nullam vitae mollis mi. Sed vitae mauris at mauris rutrum molestie in interdum dolor. Aliquam sagittis leo ac vehicula vulputate. Praesent molestie volutpat aliquet. Quisque congue varius posuere. Integer
- [Compare Renovation Loans](https://www.mycupartner.com/compare-renovation-loans/) - COMPARING THE REHABILITATION LOANS Conventional LoansGovernment LoansCHFA LoansRenovation LoansOther Loan TypesFHA 203K No Maximum Renovation (5K min) Structural, Additions, etc. HUD Consultant Required GC Required No “up-front” renovation funds FHA Loan Limits 6 months of PITI Escrow FHA 203K Limited $35,000 Maximum Renovation (no min) No Structural Repair/Addition HUD Consultant NOT Required Multiple Contractors OK
- [Terms of Use](https://www.mycupartner.com/terms-of-use-2/) - Terms of Services
- [Licenses](https://www.mycupartner.com/licenses/) - AL Alabama Consumer Credit License CA California – DBO Residential Mortgage Lending Act License CT Licensed Mortgage Lender Connecticut DC District of Columbia Mortgage Lender License DE Delaware Licensed Lender FL Licensed Lender Florida GA Georgia Mortgage Lender License IL Illinois Residential Mortgage License IN Indiana-DFI First Lien Mortgage Lending License KY Kentucky Mortgage Company
- [Partner Visitor Inside User Page](https://www.mycupartner.com/partner-visitor-inside-user-page/) - [ihc-visitor-inside-user-page] Audra Santos is a Strategic Partner of the Credit Union League of Connecticut. Find out MORE “I have had the pleasure to work with Audra in both my previous and now current Credit Union. She was one of my first phone calls when I moved to Hartford Firefighters FCU, and the bonus is that
- [Partner Login](https://www.mycupartner.com/partner-login/) - [ihc-login-form]
- [Partner Registration](https://www.mycupartner.com/partner-registration/) - [ihc-register]
- [Partner Reset Password](https://www.mycupartner.com/partner-reset-password/) - [ihc-pass-reset]
- [Partner Subscription Plan](https://www.mycupartner.com/partner-subscription-plan/) - [ihc-select-level]
- [Partner - LogOut](https://www.mycupartner.com/partner-logout/) - [ihc-logout-link]
- [Free Quote](https://www.mycupartner.com/free-quote/) - FREE QUOTEREQUEST A NO OBLIGATIONQuote Request FormWe aim to respond to all quote requests within a 24 hour period Monday-Friday. However if this isn’t the case, please be patient as we receive a lot of emails every day. [contact-form-7 id="311" title="Free Quote"]Request a CallbackFill in the form below to request a callback to discuss your
- [Testimonials](https://www.mycupartner.com/testimonials/) - TESTIMONIALSOUR EXTREMELY HAPPY CUSTOMERSJohn Doe“Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent lectus dolor, aliquet sed maximus et, vestibulum pulvinar leo. Vivamus varius pretium fermentum.” Jane Doe“Lorem ipsum dolor sit amet, consectetur adipiscing elit. Praesent lectus dolor, aliquet sed maximus et, vestibulum pulvinar leo. Vivamus varius pretium fermentum.” Our customers love our service and
- [Rates](https://www.mycupartner.com/rates/) - MOVING RATESLOW COST, HIGH QUALITY MOVERSSMALLER MOVES2 Movers & 1 Truck$400PER HOURFully Uniformed Movers Fully Licensed & Insured Tracked Inventory Any Location (US) RecommendedREGULAR MOVES3 Movers & 1 Truck$450PER HOURFully Uniformed Movers Fully Licensed & Insured Tracked Inventory Any Location (US) Digital Backup BIG MOVES4 Movers & 1 Truck$500PER HOURFully Uniformed Movers Fully Licensed &

## FAQs

- [What are closing costs?](https://www.mycupartner.com/avada_faq/what-are-your-payment-terms/) - Certain standard costs are related to closing the sale of a house. Sellers and buyers customarily share these closing costs, as specified in the sales contract. As indicated below, many of the closing costs result from getting your mortgage. Since Community Trust Lending Team at Norcom Mortgage-NMLS ID#71655 has extensive experience with mortgages & closings,
- [Are your quotes no obligation?](https://www.mycupartner.com/avada_faq/are-your-quotes-no-obligation/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi consequat mi orci. Quisque placerat rutrum odio eget sodales. Aliquam erat volutpat. Nam tempus vel mi a dapibus. Sed aliquet congue hendrerit. Maecenas ornare, dui eu commodo vestibulum, diam leo laoreet turpis, at feugiat lacus libero id metus.
- [Do you offer storage services?](https://www.mycupartner.com/avada_faq/do-you-offer-storage-services/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi consequat mi orci. Quisque placerat rutrum odio eget sodales. Aliquam erat volutpat. Nam tempus vel mi a dapibus. Sed aliquet congue hendrerit. Maecenas ornare, dui eu commodo vestibulum, diam leo laoreet turpis, at feugiat lacus libero id metus.
- [How much notice do you need?](https://www.mycupartner.com/avada_faq/how-much-notice-do-you-need/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi consequat mi orci. Quisque placerat rutrum odio eget sodales. Aliquam erat volutpat. Nam tempus vel mi a dapibus. Sed aliquet congue hendrerit. Maecenas ornare, dui eu commodo vestibulum, diam leo laoreet turpis, at feugiat lacus libero id metus.
- [Are our goods safe?](https://www.mycupartner.com/avada_faq/are-our-goods-safe/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi consequat mi orci. Quisque placerat rutrum odio eget sodales. Aliquam erat volutpat. Nam tempus vel mi a dapibus. Sed aliquet congue hendrerit. Maecenas ornare, dui eu commodo vestibulum, diam leo laoreet turpis, at feugiat lacus libero id metus.
- [Do your men wear safety shoes?](https://www.mycupartner.com/avada_faq/do-your-men-wear-safety-shoes/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi consequat mi orci. Quisque placerat rutrum odio eget sodales. Aliquam erat volutpat. Nam tempus vel mi a dapibus. Sed aliquet congue hendrerit. Maecenas ornare, dui eu commodo vestibulum, diam leo laoreet turpis, at feugiat lacus libero id metus.
- [Are you fully insured?](https://www.mycupartner.com/avada_faq/are-you-fully-insured/) - Lorem ipsum dolor sit amet, consectetur adipiscing elit. Morbi consequat mi orci. Quisque placerat rutrum odio eget sodales. Aliquam erat volutpat. Nam tempus vel mi a dapibus. Sed aliquet congue hendrerit. Maecenas ornare, dui eu commodo vestibulum, diam leo laoreet turpis, at feugiat lacus libero id metus.

## Fusion Elements

- [calendly+contact](https://www.mycupartner.com/fusion_element/calendlycontact/) - READY TO TALK ? Schedule A Time HereSTILL HAVE QUESTIONS? Contact Us Here
- [Custom Footer](https://www.mycupartner.com/fusion_element/custom-footer/) - Audra Santos, NMLS ID # 49570 VP, Branch Manager Community Trust Lending Team at Total Mortgage 731 Main Street, Unit 101, Monroe, CT 06468 To verify our licenses please visit: www.nmlsconsumeraccess.org | NMLS ID # 2764 Toggle NavigationLicensingPrivacy PolicyTerms Of Use
- [Construction Loans](https://www.mycupartner.com/fusion_element/construction-loans-2/)
- [Construction Loans](https://www.mycupartner.com/fusion_element/construction-loans/)
- [calc box columns](https://www.mycupartner.com/fusion_element/calc-box-columns/)
- [start app button](https://www.mycupartner.com/fusion_element/start-app-button/)
- [Admin Area Buttons](https://www.mycupartner.com/fusion_element/admin-area-buttons/)
- [Credit Union Short Forms](https://www.mycupartner.com/fusion_element/credit-union-short-forms/)
- [marketing disclaimer](https://www.mycupartner.com/fusion_element/marketing-disclaimer/)
- [product note](https://www.mycupartner.com/fusion_element/product-note/)
- [cu intro blurb](https://www.mycupartner.com/fusion_element/cu-intro-blurb/)
- [Budgeting Calculators](https://www.mycupartner.com/fusion_element/budgeting-calculators/)
- [Researching Calculators](https://www.mycupartner.com/fusion_element/researching-calculators/)
- [partner button](https://www.mycupartner.com/fusion_element/partner-button/)
- [va streamline](https://www.mycupartner.com/fusion_element/va-streamline/)
- [fha streamline](https://www.mycupartner.com/fusion_element/fha-streamline/)
- [social feed white box](https://www.mycupartner.com/fusion_element/social-feed-white-box/)
- [cta with buttons](https://www.mycupartner.com/fusion_element/cta-with-buttons/)
- [page header](https://www.mycupartner.com/fusion_element/page-header/)
- [post header rev](https://www.mycupartner.com/fusion_element/post-header-rev/)
- [post header](https://www.mycupartner.com/fusion_element/post-header/)
- [pdf col](https://www.mycupartner.com/fusion_element/pdf-col/)
- [please note](https://www.mycupartner.com/fusion_element/please-note/)
- [tttfcu-testimonial](https://www.mycupartner.com/fusion_element/tttfcu-testimonial/)
- [testimonials](https://www.mycupartner.com/fusion_element/testimonials/)
- [wellnes-fcu](https://www.mycupartner.com/fusion_element/wellnes-fcu/)
- [hhfcu-testimonial](https://www.mycupartner.com/fusion_element/hhfcu-testimonial/)
- [tech col](https://www.mycupartner.com/fusion_element/tech-col/)
- [loans col](https://www.mycupartner.com/fusion_element/loans-col/)
- [fam val col](https://www.mycupartner.com/fusion_element/fam-val-col/)
- [Interested button](https://www.mycupartner.com/fusion_element/interested-button/)
- [Loan Btns - Rehab](https://www.mycupartner.com/fusion_element/loan-btns-rehab/)
- [CTA text block](https://www.mycupartner.com/fusion_element/cta-text-block/)
- [CU Logo Header](https://www.mycupartner.com/fusion_element/cu-logo-header/)
- [Testimonials Block](https://www.mycupartner.com/fusion_element/testimonials-block/)
- [Slide in Box CTA Block](https://www.mycupartner.com/fusion_element/slide-in-box-cta-block/)
- [Request a Quote Block](https://www.mycupartner.com/fusion_element/request-a-quote-block/)
- [Loan Btns](https://www.mycupartner.com/fusion_element/loan-btns/)
- [services](https://www.mycupartner.com/fusion_element/services/)

## Categories

- [Uncategorized](https://www.mycupartner.com/category/uncategorized/)
- [Conventional](https://www.mycupartner.com/category/conventional/)
- [Government](https://www.mycupartner.com/category/government/)
- [CHFA](https://www.mycupartner.com/category/chfa/)
- [Renovation](https://www.mycupartner.com/category/renovation/)
- [Other](https://www.mycupartner.com/category/other/)
- [General](https://www.mycupartner.com/category/general/)
- [Home Improvements](https://www.mycupartner.com/category/home-improvements/)
- [First Time Homebuyer](https://www.mycupartner.com/category/first-time-homebuyer/)
- [Refinance](https://www.mycupartner.com/category/refinance/)

## FAQ Categories

- [Insurance](https://www.mycupartner.com/faq_category/insurance/)
- [Others](https://www.mycupartner.com/faq_category/others/)
- [Payments](https://www.mycupartner.com/faq_category/payments/)