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Al Monti, (NMLS ID 1665589)

Al Monti

Loan Advisor

NMLS ID: 1665589

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

1090 Elm Street Suite 106

Rocky Hill, CT 06067

About Al Monti

I have lived in Hartford County just about my entire life, residing in Manchester for the past 20 years.  Previously, I had worked in higher education for over 10 years, helping students adjust to their new atmospheres and navigate the potential academic pitfalls that might lie ahead of them. 

 

When I moved on to the mortgage world a few years back, I knew I wanted to bring that same commitment to individual's purchasing homes.  Home financing, either to purchase or refinance, is a big step, and my goal is always to listen to my customer's needs and educate them on the process and products available so that they can feel at ease at the closing table.  I have knowledge in all types of loan products:  Conventional, FHA, VA, USDA and CHFA to name a few, and I look forward to working with you, whether you are a first time homebuyer or purchasing another investment property. 

Mortgage Specialization

  • FHA Government Loans
  • First-Time Home Buyer Programs
  • Fixed-Rate Mortgages
  • Investment Property Loans
  • Low-to-Moderate Income Lending Program
  • USDA Rural Housing

Education

  • MBA - Organizational Management, University of Connecticut
  • MA - Higher Education Counseling, Central Connecticut State University
  • BS - Biology, Fairfield University

Languages Spoken

  • English
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Al Monti, (NMLS ID 1665589)

Al Monti

Loan Advisor

NMLS ID: 1665589

I look forward to delivering great service and professionalism to you as I help you with your home lending needs.

Apply Now Contact me

1090 Elm Street Suite 106

Rocky Hill, CT 06067

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Today's Rate

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1Rate as of 1/19/2021 10:29 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 360 monthly payments in the amount of $968. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

2Rate as of 1/19/2021 10:29 AM EST. The APR calculation is based on a 15-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 80% loan-to-value (LTV) or 48,000% down payment, minimum borrower credit score of 740, and estimated points of 1% of the loan amount and origination fee of $1,295 with 180 monthly payments in the amount of $1,545. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV and other credit factors. A LTV ratio above 80% may result in a need for mortgage insurance. If mortgage insurance is required, the amount of your payment will increase. The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.

 

3Rate as of  1/19/2021 10:29 AM EST. The APR calculation is based on a 30-year fixed-rate mortgage in the amount of $240,000 for the purchase of a single-family, primary residence with 96.5% loan-to-value (LTV) or 8,400% down payment, minimum borrower credit score of 740, and estimated points of 0.475% of the loan amount and origination fee of 1,295 plus 1.75% FHA funding fee with 360 payments in the amount of $933. Payment amount does not include taxes and insurance which means your monthly obligation will be greater. Actual payment amount will vary based upon credit history, rates in effect at the time of consummation, LTV, mortgage insurance premiums and other credit factors. Program terms available may vary based on the state and county in which the financed property is located.  The APR is subject to change at any time prior to consummation, and individual APRs may vary for loan purchases and loan refinances due to loan programs being offered, loan volume, or other factors.  All borrowers are subject to qualification, underwriting approval, lender terms and conditions.  Terms, conditions, and rates are subject to change without notice.