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Purchasing A Home in Fairfield County, CT, New York City and Surrounding Area's

When working with PFS, Inc., you will be offered a variety of tools, information, and programs designed to make funding your next home easier than ever. Our mortgage professionals will provide you with clear communication throughout the loan process so you can focus on your upcoming move. So whether you are buying your first home, buying your next home or a second home, or you are a real estate investor, PFS, Inc. will find you the best program that will help you accomplish all of your goals.

First Time Home Buyers

Buying your first home is an exciting adventure. It's also one of the biggest financial commitments you may make in your lifetime. When you work with PFS Inc., we do everything we can to make the process as easy and streamline as possible. In fact, PFS can get your conforming loan approved ELECTRONICALLY. NO PAPER, NO KIDDING!

Owning a home can be the first step in increased financial independence and offer significant lifestyle advantages. PFS, Inc. offers a variety of tools, information, and programs designed to help you achieve your home ownership dreams. We take pride in educating our clients and thoroughly walking through every step of the home buying process. We'll make sure your first home buying experience is a good one.

Purchasing Your Next Home

When you choose PFS, Inc. to help you with your home purchase financing, you will be getting clarity with the tools, information, and programs you need to find (and finance) your next home, a second home or your dream vacation home.

As highly experienced mortgage professionals, PFS, inc. will provide you with clear communication throughout the loan process so you can focus on getting into your dream home.

Real Estate Investors

If you’re a real estate investor, PFS, Inc. can help you take advantage of opportunities in today’s market with financing for multiple properties. Our standards are as follows:

Up to 4 Properties

• Finance up to 97% loan-to-value for 1 property
• Finance up to 85% loan-to-value for 1-2 properties, 75% loan-to-value for 3-4 properties
• A variety of loan programs available to meet your needs
• In order to qualify, you’ll need a minimum mid-FICO score of 620, and have 2 months reserves (Principal, Interest, Taxes, and Insurance) for all properties.

More than 4 Properties

• Finance up to 75% loan-to-value
• A variety of loan programs available to meet your needs
• Finance up to 10 properties
• In order to qualify, you’ll need a minimum mid-FICO score of 720, and have 6 months reserves (Principal, Interest, Taxes, and Insurance) for all properties.