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

Chester Financial—more lenders, more options, one Connecticut team.

Chester Financial LLC is a Connecticut-licensed mortgage broker serving clients across the state. We help homebuyers and homeowners evaluate lending options for home purchase loans, refinances, HELOCs, and home equity loans, as well as second homes, investment properties, and commercial financing.

As a broker, we work with a network of lenders to help you compare options and choose a program that aligns with your goals. Our approach is straightforward and detail-focused—clear scenarios, transparent numbers, and consistent communication from the first conversation through closing.

We proudly serve clients throughout Connecticut, and we speak English, Spanish, and Portuguese.

Connecticut-licensed mortgage broker (NMLS 2454525)
Access to multiple lenders and loan programs
Purchase, refinance, HELOCs & home equity loans
Second homes, investment properties & commercial
Clear guidance + responsive communication 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.