Hometown lender · Ridgefield, CT
Forte Financial is a licensed mortgage lender and a licensed mortgage broker. We can shop your loan with investors or fund it ourselves — bank-statement loans for the self-employed, DSCR for investors, and HELOCs that can close in as little as 7 days, often with no appraisal.
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Self-employed bank-statement (Non-QM), DSCR investor loans, or a HELOC that can move in about a week — often with no appraisal. Pick your lane, or just call.
How we help
Bank-statement, DSCR, and HELOC get a little more airtime here — we still do the full range of purchase, refinance, and home-equity options.
If tax returns make the business look smaller than it is, we can use 12- or 24-month personal and business bank statements instead. Non-QM programs can go up to $3 million, depending on the file.
Bank-statement loans →
Qualify on the property’s rent, not your W-2. Built for rental and short-term-rental investors who want the loan sized to cash flow.
DSCR investor loans →
Tap equity for a project, tuition, or consolidation. HELOCs can close in as little as 7 days, often with no appraisal — not a promise on every file, but that is how this product is built.
HELOC details →First-time buyers, seniors, jumbo, government loans, and short-term investor financing.
FHA purchases can start at 3.5% down. We walk first-time buyers through assistance programs when they fit the property and occupancy.
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For homeowners 62 and older who want to convert equity to cash while staying in the home. Interest accrues; taxes and insurance still need to be paid.
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A no-out-of-pocket refinance review with no initial credit pull. If it does not help you, we will say so.
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Financing above conforming loan limits for primary homes, second homes, and some investment properties.
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Veteran, rural, and renovation financing when the property and borrower fit the guidelines.
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Short-term purchase-rehab money and bridge financing when you need to buy before you sell.
Learn more →Why Forte
James Forte founded the firm here in 2019 after two decades in the business. You get a person who lives in town. We are a licensed lender and a licensed broker, so we are not stuck in one box: we can fund a loan or shop it, depending on the product and where we are licensed.
We work with self-employed owners, investors stacking Airbnb and long-term rentals, and families buying the first house in Fairfield County.
5.0 on Google · 99 reviews · More Google reviews
“Forte Financial Mortgage Group was awesome. They were super easy to work with and communication was excellent. They explained…”
Deb V · Google · 42 minutes ago
“Anthony and Lori were excellent when it came to helping me acquire a bank loan. They were patient with me and answered my questions all the way through…”
Nicolas Rai · Google · 5 days ago
96 Danbury Rd, Ridgefield, CT 06877. Serving New Milford, Danbury, Fairfield, and the rest of Fairfield County — plus:
Start an application online, or just call. Someone here will pick up.
