I LOVE my English Setter, Tanner!

   German Short Haired Pointer, Ringo, is a love!

Rescue baby, English Pointer, Phoebe

I have been associated with Hamilton Mortgage in Ridgefield, CT for my entire mortgage career...wow!  I have been here through the good times and not so good times.  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.  It is also very beneficial being a Ridgefield, CT mortgage broker rather than a representative of just one bank.  I have the ability to go to 50 different banks that offer all different programs and rates.  You and I 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 Ridgefield, 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 option arms 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