Milford, Connecticut · Mortgage broker · NMLS #2051311
A straight answer on your mortgage,
from someone who picks up the phone.
I'm AJ Doerr. I shop your loan across multiple lenders instead of showing you one bank's rate sheet, and I stay on it from the first call to the closing table.
Intake slip
No. 01
The promise
60minutes
Call me during business hours and you hear back within the hour.
Buying a home runs on timing: an offer deadline, a rate lock, a seller who wants an answer today. So here is the one thing I promise every client. During business hours I return your call or text within one hour. Not an assistant, not a call center. Me.
If I ever miss it, tell me. I track it, and it is the number I care about most.
Where to start
Three doors. Pick the one that sounds like you.
01
Buying
First-time buyers and CHFA
Connecticut has real help for first-time buyers: CHFA loans, down payment assistance and FHA. I will tell you which one fits before you tour a single house.
02
Refinancing
Refinance and home equity
Lower the payment, shorten the term, or turn equity into cash. I run the break-even math with you and say so plainly when refinancing is not worth it.
03
Investing and self-employed
Rentals, DSCR and bank statement loans
Qualify on the property’s rent instead of your tax returns, or on bank statements instead of W-2s. These are the loans the big lenders quietly turn away.
How I work
Four steps, one phone number.
The whole process, without the parts a bank adds to protect itself.
- 01
A real conversation first
Tell me what you are trying to do. I ask the questions a lender will ask, and I tell you what I can and cannot do before you send a document.
- 02
I shop it, you choose
As a broker I price your loan across multiple lenders and show you the trade-offs in plain language: rate, cost, turn time, overlays.
- 03
A pre-approval you can act on
A letter an agent and a seller take seriously, with the numbers behind it, so you can make an offer with confidence.
- 04
One person to the closing table
Same phone number from the first call to the keys. Processing, underwriting and conditions: I chase them so you do not have to.
AJ isn't just a mortgage guy. He's a true partner and advocate.
Connecticut first-time buyers
CHFA, explained by someone who closes them.
Income limits, purchase-price limits, down payment assistance and the first-time buyer rules, kept current and dated.
- 01CHFA loans in ConnecticutBelow-market, fixed-rate loans through participating lenders
- 02CHFA down payment assistanceDAP and Time To Own, who qualifies and how much
- 03CHFA income and purchase price limitsEvery town, updated when CHFA changes them
- 04All first-time buyer programs in CTCHFA, FHA and the low-down-payment paths side by side
Milford, Connecticut · Licensed in Connecticut, Florida, Hawaii, Massachusetts
Tell me what you are trying to do.
Two minutes on the slip, or a call, and you will have a straight answer and a plan. No application until you want one.