Conventional Loans

Mortgages that are not insured / guaranteed by the federal government. Conforms to Fannie Mae / Freddie Mac’s underwriting requirements and loan limits.

Mortgages insured by the Federal Housing Administration, or guaranteed by the Department of Veterans’ Affairs / Rural Housing Service.


Loans offered to First Time Homebuyers looking to purchase in specific areas that are targeted for revitalization. Interest rates are below-market.

Renovation Loans

Mortgages that not only cover the cost of the home, but also provides funds that can be used for repairing, restoring, or other improvements.

Other Loan Types

Loans that don’t conform to the loan purchasing guidelines set by Fannie Mae / Freddie Mac. Fail to meet bank criteria for funding.

Exceptional customer service!!!

We recently purchased our first home together and going in we thought we knew everything about the mortgage process but we were mistaken. Audra was so knowledgeable and attentive and made us feel comfortable and more educated. She took the time to answer any call or email anytime we had a question or concern – even on weekends! She also helped us get a low interest rate where we felt comfortable moving forward with the purchase of our dream home. We couldn’t have asked for a better experience and we are beyond grateful. We highly recommend Audra for any of your mortgage needs!

Cindy, Monroe, CT

Excited to start

I connected with Audra in 2017. However we didn’t officially start our process until 3/2019. When I first met Audra she assured me she would stick by me, and kept her word. I wasn’t totally ready in 2017. When I was finally ready she was there every step of the way. She didn’t miss a beat. The whole process went so smoothly. This was our first time my husband and I purchased a home and I had question after question after question. The patience level is amazing. When it was time to close on our home she had everything in place. WE CLOSED.. Amazing is an understatement.

Karen, Meriden, CT


Audra was wonderful to work with. My loan wasn’t the easiest of loans due to some obstacles we needed to work around but she kept positive which was very helpful. She was great with staying in communication and always got back to me in a very timely fashion.

Rachel, Berlin, CT

Excellent Service

It was very nice working with Audra.

She got right on the ball as soon as I called her for a pre-qualification.

She answered all of my questions in a timely manner and was very nice about it.

She took the time to explain things to me any time of the day, even at 9PM and weekends.

I would highly recommend her to anyone looking for a loan.

Jaimie, Haddam, CT

Audra is great!

I had the pleasure of working with Audra in the process of buying our first home and I couldn’t be happier. She was with us throughout the whole process, answered all of our questions, assisted us with anything we were in doubt of and most important she was always responsive and communicative. All I can say is, if you want a smooth process on buying your home Audra is the one!

Danielly, Bridgeport, CT

Audra Santos

It has been a pleasure to work with Audra Santos who is highly professional and knowledgeable as a lender. She is very responsive and quick to return calls after hours and even on weekends. I was most impressed when my first potential home purchase fell through; she kept the ball rolling and didn’t stop until I was in my new home. Her explanation of this process has been clear and straight forward which is important to me as a home buyer. I am very happy and satisfied with the outcome. I would definitely use her again and will highly recommend her to anyone who is looking for an awesome lender. Great job Audra Santos you are the BEST.

Sheila, Meriden, CT

Amazing Experience!

Audra was amazing! As a first time buyer, she walked me through all the steps required to complete the loan. Audra was available to answer all of my questions and help ease my fears of the unknown. We met several times to review and complete the required applications and she kept me in the loop throughout the entire process, Audra was patient, caring and empathetic. I felt confident with her level of expertise and would gladly recommend her to others in need of mortgage services.

Kelly, Norwalk, CT

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