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0% Down Mortgage

We offer an exclusive 0% Down Purchase program. Simply put, qualified borrowers receive a 3% down payment assistance loan, up to $15,000.

See if you qualify. Learn more.


One Time Close Construction Loan

A one time close construction loan is a type of mortgage that combines the financing for the land, the construction, and the permanent loan into one single loan.

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.

  • I purchased my home about 6 months ago using John and the mortgage company he works with to get a VA loan. The process was such a breeze, I couldnt believe how fast, easy, and stress free it was. John was there from the start and hes continued answering my numberous questions texts and emails up until today. John is very knowledgeable patient caring and will go out of his way to answer all of your questions. Let me also add he kept in contact with me keeping me informed throughout the whole process!

    - Nicole M
  • Working with John was a very pleasant and easy step by step process. John was amazing at answering all our questions and putting thing in a plain easy to understand language. Each piece of the process was simple, explained and painless. I will recommend John to anyone and everyone that I know shopping for a home or refinance.

    - Steve G
  • Harry made our experience as first time homeowners smooth and pleasant. He is professional, knowledgeable and works one on one to ensure his clients are well taken care of. I would highly recommend using Harry for your mortgage needs. He answered every single question up until closing and got us at the most competitive numbers by the end of the process. The closing ran smoothly because of his assistance.

    - Samantha D
  • Not only does Harry know the business inside and out, not only did he work hard to get me a great rate, but he's an amazing human being who really cares.

    - scott2227
  • My fianc√© and I just bought our first home and it would NEVER have been possible without Rachel and her guidance. She took the time to evaluate our financial profile, and created a plan for us to minimize our debt and improve our credit score. In four short months, we made a MASSIVE course correction on our credit score and qualified for a great rate! We even shopped on her with multiple banks and she still saved us over $130,000 over the lifetime of our loan compared to the bank that my parents use!!!! She's the best, she's a pro, and I brag about her to everyone I know!

    - Dr. Matt
  • I can not say enough great things about John. He always kept us informed, got back to us quickly and answered all of our questions. John even went as far as always checking on different programs we could qualify for. Our mortgage actually kept getting cheaper as we went along. He looked out for US!!! John even showed up at our closing to make sure everything went smoothly. I would 100% recommend him to anyone.

    - Mason G
  • Rachel was a pleasure to work with and was very understanding of our timeline and special circumstances! She responded to questions with great detail and was a huge help to us as first-time homebuyers.

    - Ashley P
  • Harry was fantastic. He knows he stuff and steered us in the right direction at each turn. We used them once for a refi, and this time for a purchase. As most people in our closing process bumbled through various errors, Harry and Elm Tree was always on time on their end, and for once the numbers ended up working in our favor. We were able to get rock bottom locked rates each time and couldn't be happier.

    - Joel Z
  • Harry was a pleasure to work with. Harry guided my wife and I through the process, answered all my questions and was always available. I highly recommend!

    - user38497937
  • Ray is probably the most AMAZING person I have ever had the pleasure of working with. He was extremely helpful throughout my ENTIRE home purchase. Probably the most important part of all of this is that not once did he make me feel like I was bothering him, or that I was an annoyance. He was smiling and laughing the entire time. I really truly appreciate Ray and all that he did for me during this eye twitching process of purchasing a home.

    - a zan416
  • Rachel was super helpful throughout my homebuying process - she was very informative and always quick to respond to my many questions. As a first time homebuyer I felt like I was in good hands!

    - Erin W
  • Rachel guided me through the entire process and was there every step of the way. We were even able to close early to get me into the new house ASAP. She is a pleasure to work with and I would highly recommend her!

    - Viktoria M




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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