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1% – 3% Down Mortgage Options

Don’t let a big down payment keep you from owning your dream home. See this website or talk to us today about our special programs.

See if you qualify.
Learn more.


First time home buyer

Our expert staff will assist you in selecting the best mortgage for your needs and circumstance. Special programs may be available for first time buyers. Learn how you may be able to save money and qualify for more.


Refinance Your home

Allow us to analyze your present mortgage including payment schedule and interest rate and we may be able to save you money and shorten the term of your loan. You may be able to build equity quicker, remove private mortgage insurance or consolidate debt.


Mortgage calculators

Use our payment and amortization calculator to calculate your monthly payment by entering your loan amount. Use our house affordability calculator and get an estimate on how much you can afford to spend on your new home. This calculator provides an estimate only, loan terms are based on your verified credit profile, income and assets and subject to program availability and credit underwriting.

  • Melissa, I want to thank you very much for all you have made possible and for making this home ownership process effortless. My hat goes off to you and all that you do. Thank you for being patient and thoughtful.

    - Carmen
  • Melissa, Thank you so much for your expertise at your job. You are a treasure. Feel free to pass along our info for testimonials.

    - N & G
  • Melissa, It was a pleasure working with you! Thanks for taking the extra time to really see what the best deal was for us. Your patience and professionalism was very much appreciated.

    - Peter and Angela C
  • Melissa, Thank you so much for all your help. You are the greatest! This wouldn’t have happened without you. I am already spreading the word. We will definitely be keeping you in mind and putting you on the top of our list.

    - Patty S.
  • My husband and I had the pleasure of having Harry Petrucci as our broker when buying our home recently. He always went the extra mile making sure we were happy and satisfied clients! It was a long haul being a foreclosure but Harry made it as easy as possible for us and was always there when we needed him. We couldn't have asked for a better broker and look forward to working with Harry again in the future!

    - Sarah B.
  • Melissa, Thank you for your help and hard work throughout the whole process. It really makes a difference to have someone like you on top of things and doing whatever it takes to make it happen. As we did find out, that isn’t always the case with everyone that one can work with in this process.

    - Laura and Andre
  • I had the pleasure of working with Meredith. She closed the loan on time, no extension necessary. She was always timely with her responses, and persistence in order to get documents submitted on time. I highly recommend Meridith Morganson.

    - Patrick L.
  • Elm Tree did a hell of a job for our family. Although, our very hard working broker Meredith Morganson was amazing! She kept us in the know every second of the process day/night whether through email or a quick text. Our situation was a 1st time home buyer deal and after the deal was done Meredith informed us we were her 1st deal. Not only is she professionally top notch, she’s a cool person to work with. Meredith gets the deal DONE Period.

    - Jay H.

Elm Tree Funding, LLC is a Mortgage Broker licensed by the Connecticut Department of Banking, Consumer Credit Division, NOT A LENDER OR A CORRESPONDENT MORTGAGE LENDER

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