It was a breath of fresh air to work with a family of professionals that are knowledgeable, efficient, trustworthy and wonderfully patient. They truly care about helping people. They calmed my nerves and surprisingly it was uneventful.

R & G in Cos Cob, CT

As first time homebuyers, we needed guidance - we could not have been luckier to fall into the experienced and helpful hands of the PFS team. Frank, Egan and Kathleen could not have been nicer or more helpful at guiding us through this home buying process. What a wonderful experience from the first phone call - customer service and true client care is alive and well at PFS. They are thorough and thoughtful, extremely knowledgeable and attentive. They put together an unbeatable program for us and walked us through each step, allowing us to truly understand the process. What a seamless transaction, we would recommend them time and time again!

Meghan H.

I was so pleased with my experience with PFS. Frank, Kathleen and Anja made the process totally painless. The program they came up with I have not seen available ANYWHERE but with PFS. And the rate they quoted was lower than ALL other competitors. And besides... 0 points, and an easy closing process! As a real estate broker with my own firm, I've seen my share of mortgage nightmares. This was NOT one of them! Kudos to PFS!

Gary S.

Egan helped us refinance and it could not have been a smoother process. He is a professional, personable and trustworthy guide through the maze of financial options. Amazingly, we were able to close within five or six weeks from our first conversation. This required being very responsive on our part, of course, but Egan moved us through each stage efficiently, being very responsive on his end and and answering all our questions along the way, via text, phone and email. Now we have a broker we trust to use for any future mortgages.

David C.

Buying a home can not only be expensive, but also stressful. Egan was extremely helpful about getting my fiance and I what we wanted. Egan was prepared and answered every question that my fiance and I had. Whether it was text messages or hour long conversations on the phone, Egan was ready. Egan carries great professionalism about himself and I?d definitely recommend him to any first time home buyers.

Joe B.

As a first time buyer over 50 years old, I had gone into this process with great caution and skepticism. What I discovered, working with the O'Brien family was an extremely professional and attentive team, who guided us through what ended up as the smoothest transaction I could have ever imagined. From start to finish Frank, Kathleen & Egan were a well oiled machine, who got us our mortgage in the exact time frame that was promised and made us feel 100% taken care of the whole way through. I will absolutely use PFS again in the future for any lending needs and would happy to refer them to our friends and family. Thank you!!

Michael A.

The PFS team rocks.....I have used them over the last 15 years for buying and refinancing. When my daughter and her husband were looking for there first house the PFS team was there to guide them through the process.

Ray J.

I had a great experience with PFS mortgage recently and another time a few years back. Their attention to detail and professionalism made the process of refinancing run smoothly. I highly recommend PFS. Thanks Frank, Kathleen, and Egan O'Brien.

Frank, his family and the team truly put the customer first. They anticipate needs and work hard to find and create the right solutions. Top notch pricing, quality and service. I give them my highest recommendation without reservation.

Joe S.

Pretty seamless, Frank...although I chalk that up to Kathleen more than you. :-) !! Well done, team...thanks for the patience and support.

Gregg T.

I have been a client of Frank O'Brien and the PFS team for 10 years and have remortgaged my primary home many times over that period. I just recently purchased an investment property where PFS delivered an approved and closed mortgage in 3 weeks! There commitment to excellence and determination to get the best deal for their clients is extraordinary. They treat me like family , understood my requirements and worked towards delivering the best mortgage possible for my needs. I highly recommend PFS for your financing needs.

Mike M.

Frank and his team of professionals know the score - committed and creative service dedicated to finding the right solution for the customer's circumstances - no nonsense and great rates -- Got rid of my hellish nightmare and biggest headache "BOFA"

Kevin M.

From the moment I made the call to Egan I felt like I was in good hands. Every email answered promptly, every phone call answered promptly with great attention to detail, listened to my particular situation, provided suggestions to solve issues and kept things moving. So much so I had a mortgage approval THE DAY AFTER I submitted the application. I also used them to get prequalified, so things zipped along. In 2000 I worked with Kathleen and Frank to purchase a co-op in NYC, and a re-fi in 2005. They know the business inside and out!

We have closed 3 jumbo mortgages with PFS during the past 9-years and have been very satisfied with both rates and service. All three closings were completed on-time and without issues. Although we received great rates on earlier mortgages, given the dollars involved I felt it was prudent to shop around and compare rates before re-financing. My research validated the rate/fee combination offered by PFS was the lowest I could find after checking with 15+ banks/brokers, so we proceeded with our latest re-finance in April 2014. I wholeheartedly recommend PFS to anyone seeking a mortgage.

3 time customer, great rates, great service, highly recommend

Mike S.

My wife and I could not be happier with PFS. From commencement of the loan application to the final closing, everything went very smoothly, which was in large part due to the efforts of Frank, Kathleen and Egan. Frank and his team are extremely professional and an absolute pleasure to work with. Thanks again.

Extremely Professional

Peter A.

I have just finished getting my mortgage through PFS and I must admit i was completely impressed by their level of professionalism and competence. My mortgage was, to say the least, incredibly complex given my credit history and PFS was able to secure me a mortgage where, I am convinced, I would have been denied from an overwhelming majority of other lenders. I would not only recommend PFS for the complex mortgage but also the plain and simple, as they were able to secure for me the lowest rates in the market. I will use them again for all my needs in the future.

One Tough Loan

Jeff B.

I worked with Frank and the PFS team on my recent home financing. I had unique aspects to my income and buying situation and the team worked tirelessly to help make a complex situation seamless. Their communication was clear and timely. They were friendly and supportive. They understood all the intricacies of the process and helped me to understand all the steps and reasoning throughout. I highly recommend PFS for your financing needs. Pleasure to work with.

Outstanding Team

Tom Jansen

I used Frank O'Brien and his team for my first home purchase and have since refinanced with them on three separate occasions. Each time they have provided the best rates and service. I can not say enough about how positive my experiences have been. I highly recommend the entire PFS team.

Phenomenal Rates and Service!

Greg G

My wife and I have used PFS for the last 15 years for all our home financing and re-fis. They offer personal hands-on service, wonderful financial advice and great rates. We are confident with their service and have entrusted them with our home and future.

Joe V

Frank O'Brien and his team were excellent, found the best rate and best terms, and were on top of everything from start to finish. Bravo.

Terrific job

Scott S.

As a first time home buyer I had no idea what I was doing or what was expected or even what was going on until I met Frank and his team. They made every thing not only clear but as quick as possible and convenient! They were all professional and down to earth at the same time. I Learned a lot and glad I had Frank on my side. Even when things seemed difficult on my end he was there to reassure me. I never thought I would own a home..Now, Here I am writing this from my very OWN living room! Thanks Frank and everyone at PFS!

First time home buyer

Marcello D

I have refinanced many times over the past 20 years and this process was easy and fast. Frank and his team were great to work with. Rates great, too. Definitely the place to go to for a refi."

Easy Refinance

Ron G

Since moving to CT in 2000 as a result of a relocation, I have used PFS Mortgage for financing my mortgages. The "A Team" as I call them work with you step by step through the process and answer each and every question that you could possibly ask. They fully understand what I am trying to accomplish and propose products that meet my needs. The entire team is responsive, truthful and professional. They are wired to the marketplace. I could not ask for a better group to work with and recommend them without reserve. They do not disappoint. PFS Mortgage is the best!

Why Go Anywhere Else!

Jim O'Sullivan

I have used P.F.S. for every mortgage and refinance transaction since moving to CT in 1998--and I wouldn't consider using any other company! The team at P.F.S. are very responsive, professional, and really take the time to assess your TRUE needs before recommending loan options that are a perfect fit. When we recently needed a fast turnaround for a pre-approval, Frank O'Brien and his team met our tight deadline--so we could purchase the home of our dreams. Thanks again, Frank & Team! You're the Best!

Personal, Professional & Prompt Service for 17 years, A-1 Rating

Derek Case

I am a Realtor in Westport, and for the past 21 years - have listened to complaints from my clients about what a nightmare obtaining a mortgage can be. Frank promised me that I would not be inundated with paperwork and that the bank would not continue to hold me hostage - asking for more information after I filled out the initial paperwork. He was telling the truth. After the initial forms, I just sat back and waited for the closing, which happened yesterday. A complete pleasant experience which does not typically go hand and hand with obtaining a mortgage!

The easiest loan I ever did!

Linda S.

We used PFS Inc. to obtain our mortgage and they were great to work with. Particularly appreciated their very open and candid communication style as it eliminated any surprises in the process. Would definitely work with them

Great experience!

Jeff N.

Frank has been my mortgage banker for over ten years and he has consistently found me the best deals and helped me navigate through the mortgage process.

Peter S.

The whole crew at PFS was very easy to work with and walked me through a lot. Great experience!! - in addition, nobody else was able to refi me but them (and believe me I shopped around). Great job and thank you!! Debbie


Debbie S.

Frank O'Brien and his team are AMAZING. They have been there for me from the first day I purchased my home in 2008. They are always looking out for the right rate and continue to keep me informed! Recently, they help me with a refinance and made the process very smooth. They were very helpful all the way through from the paperwork to the closing. Frank is very knowledgeable and is always looking out for his clients. My business with PFS was handled very professionally and I look forward to continue my business with them. I would HIGHLY RECOMMEND PFS to other family, friends or clients who are looking to getting a mortgage or refinancing.

Good People

Sandra N.

Shortly after I had Re-Financed my house at the end of 2013, I saw an Ad from PFS Mortgage. I Called and was so impressed by their offering and their professionalism that I Re-Financed my house again. I would recommend them to anybody looking for a Re-Fi.

Very Professional

Joseph C.

We were buying our first home (which is stressful) and we had reached out to a few different mortgage brokers. PFS topped all from the moment they picked up the phone. If I could give them more than 5 stars I would. PFS took time to go over all the "ins and outs" of mortgages, answer ALL of the many questions we had and they made sure we got the best mortgage deal for our situation. PFS went above and beyond to ensure our mortgage went through in a timely manner. But most importantly for us, they made the entire experience less scary and stressful. We will definitely be using PFS again for our next mortgage need. THANK YOU PFS!

Amazing Service, Knowledge and Professionalism

Perrin M.

It was a pleasure working with Frank and his team. They were fast, professional and had the best rates. Thats what it is all about!

PFS Mortgage

Ken F.

Hats off the the PFS team - more a strategic partner in the home financing process than a broker.

More than a broker, a trusted, proactive advisor

Joe S.

I was so pleased with my experience with PFS. Frank, Kathleen and Anja made the process totally painless. The program they came up with I have not seen available ANYWHERE but with PFS. And the rate they quoted was lower than ALL other competitors. And besides... 0 points, and an easy closing process! As a real estate broker with my own firm, I've seen my share of mortgage nightmares. This was NOT one of them! Kudos to PFS!

What a great experience and a great program and rate

Gary S.

Frank was great to deal with, great communication with him and staff. He got us a great rate and things went very smoothly.

Residential Mtg

Kristine R.

My husband and I refinanced with PFS three times and we couldn't be happier with the service and rates that Frank O'Brien found for us. Our closing was easy and on time. We have searched many banks and the rates that PFS offered was much better than the banks. PFS is always available for questions and they make you feel like your part of their family. If anybody is looking for a mortgage or refinance, I wouldn't recommend anybody else but Frank O'Brien and the PFS team

Outstanding Service

Denise M.

Frank and his team work hard to make the process as easy as possible. I have really enjoyed working with them because they are experienced and understand the nuances of the industry. I would recommend them to anyone.


Carl S.

I recently refinanced my mortgage (2nd time with PFS). After being told by another institution that NO ONE would give me a lower rate, PFS came through. Very efficient process and they did most of the leg work once we submitted our documents. I would definitely recommend their services!

Thanks so much to Frank, Kathleen and Egan! They couldn't have been any better or more helpful with our mortgage refinance. For a number of reasons, they were some special challenges along the way and they met every single one of them. They came up with creative solutions and found the most cost effective way for us to reach our goals. We couldn't have asked for anything more!

Sam S.

Thank you for the follow-up and note below. Appreciate all your help in getting through this process quickly. Am very happy with the product.

Greg R.

I was going through a divorce and had to refinance in order for me to keep my house. I was referred to Frank and his team at PFS, Inc. and he walked me through the steps to make it as stress-free as possible. On top of that, he offered me the lowest rates from my other quotes. He stood by me and was reachable through the entire process up to the closing. I will definitely refer them to my friends and had a very pleasant experience.

Chad L.

Frank O'Brien takes the time and tries to understand the client needs. He has a sound knowledge of the broad fixed-income market and diligently tracks the cause and effect on mortgage rates on a daily basis. He has experience to counsel his clients in the most honest and fair way. When I requested a change in product, he had to do his work all over again but despite some external dependencies, he never once hesitated in doing the work again to help me meet my mortgage objectives. His work is meticulous and together with his team, provides a prompt and quality service in organizing the client's confidential personal financial information on the various forms. I found Frank ethical, sincere, and trustworthy and actually enjoyed the entire mortgage process with him. I highly recommend him.


I wanted to take the time to thank you for all the services and assistance you provided to the success of making this happen. You have a well-run family business whose close knit cooperation enhances the overall efficiency and professionalism; congratulations to all for that.

Peter B.

Working with PFS was the easiest part of my Home buying process. They kept me informed of everything I needed to do to keep things rolling steadily. My own bank was unwilling to work with me to obtain a mortgage but PFS was able to find me a lender and get me approved quickly. I'm glad I called them when I first researched my area for a local agent. I'd rely on them again for any future property purchases without any hesitation and recommend them to all my friends when their time comes to buy their first home.


Thank you to Frank, Kathleen and Egan for a seemless experience! Such a hard working, trustworthy and professional family business. I received three different quotes from different companies and Frank provided the best rate up front. The other guy kept speaking to his manager and then would try to match Franks offer and that was such a turnoff. You just know from speaking with anyone at PFS that they have your best interest in mind and that you?re in good hands. I'm so glad that my friend referred me to PFS!

Customer friendly, efficient service made the entire process painless. We greatly appreciate the assistance PFS provided us with our recent re-finance and we look forward to using them again in the future !