Spring has sprung! This Ridgefield, CT mortgage broker is so excited about the prospect of warm weather, flowers and sunshine. My dilemna is how do I sit in my office sending emails to prospectives, new rate info to realtors or catch up on mortgage reading when the sun is shining and a gentle breeze is blowing...so in order to not feel guilty about not doing what I "should be doing" I put on my trusty Joan Wexelbaum, Mortgage Broker Hamilton Mortgage Ridgefield, CT badge and head downtown. I feel that if I do some walking on Main St., in our lovely downtown, I am doing just as much good for my business than if I were sitting in my office doing "work stuff". I am, afterall, getting "out there" that will both satisfy my need for sunshine as it will for business. Getting physical exposure is just as good and important than written and phone connections; Many times, even better! Get out there...ENJOY! Hey, I forgot it's EARTH DAY - go out and enjoy the extraordinary earth!
Joan wants to be your mortgage resource! I am a mortgage broker with access to 35 banks. I offer you correspondent rates which are consistently a half point lower than typical brokered rates.
I LOVE my English Setter, Tanner!
German Short Haired Pointer, Ringo, is a love!
Rescue baby, English Pointer, Phoebe
I have been here through the good times and not so good times of financing... One thing remains the same, though...I love what I am doing and I love my clients. I have met such interesting people from all parts of the world and from around the corner. Universally, I have found that people are generally a good hearted group. We people are full of curiousity and different knowledge and talents that set us aside from one another. I look forward to continued personal growth which in turn will enhance professional growth. I have the ability to go to 35 different banks that offer all different programs and rates. These rates include correspondent rates that afford me the opportunity of passing along rates that are consistently lower that typically brokered rates. You and I will discuss the best possible program that will suit your particular needs for the present and the future. I also get you the best possible rate that is being offered anywhere in our lending environment.
Because I have been a mortgage broker in, CT for quite awhile now, I feel comfortable doing all loans that come my way. I do traditional conventional loans as well as the less conventional that are not for everyone, by any means, but in certain situations work well for a particular individual. Arm products are not as common as they used to be, but again, they should be used for a situation where a buyer knows he or she will be out of this house in a specific number of years. The rate is usually a bit lower than a conforming 30 year. Also, interest only loans are terrific for people who already have a lot of equity in their homes and are not worried that their appraised value may decline. Also, most banks also offer 40 year amortization on their loan products. This offers a slower amortization but equity is being built - the result is a lower monthly payment than a 30 year conforming loan. So the bottom line is...what I like to do best is to design the program that suits YOUR life and financial needs -
"Joan was introduced to me by my lawyer. She immediately made me feel at ease. I had countless questions about this first time home buyer thing. She had several loans that would work for me. We sat down and worked out the pros and the cons of each until I found one that I felt comfortable with. Joan helped me with the paperwork and we submitted the loan for my very first mortgage! I was approved and we closed several days later...I am now the proud owner of an adorable cottage with a white picket fence surrounding it. I loved working with Joan! " J.T. Redding
"Joan Wexelbaum is patient, knowledgeable, helpful, and eager to please. 
I would highly recommend her to anyone buying or refinancing - She represented the programs thoroughly." S.L. Ridgefield
"I did not know anything about using a mortgage broker. My bank could not help me and I had seen Joan's ad in the paper, so I called her. She helped me understand why a mortgage broker has so many more options than a regular, local bank. She gave me the lowest rate that I had heard about with no points at all!...I want to tell everyone I know that calling a mortgage broker is the way to go. I will only use Joan Wexelbaum in the future." T.R. Fairfield
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