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Home Loans – Groton CT

Your Trusted Groton, CT Mortgage Lender


The leaders in home loans in the Groton area are ready to help you and your family find the perfect home loan for your needs. Prysma has a team of dedicated mortgage experts to answer any questions you may have.

Prysma is a leader in home financing that is located in Groton and serves all of Connecticut.

We even have a pair of offices available for you to come and speak with us. Our offices are located at: 

18 Padanaram Rd, Danbury, CT
4750 Main St, Bridgeport, CT

Ready to find a home loan? Fill out the form on the left, or give us a call today: 888-743-9985

Your different Groton Mortgage loan options

Conventional Loans

Conventional loans offer a flexible option for a home loan that goes directly through the loan company you are working with, like Prysma. You can choose from either an adjustable-rate or fixed rate mortgage for your Groton home.

Unconventional Loans

Loans that are insured by the government are considered unconventional loans. The types of loans that are available are FHA, VA, and Tax ID Loans to purchase your Groton home.

Refinancing Options

If you already have a loan and would like to investigate other options to adjust your current terms, then you may be eligible for a refinance. Prysma will discuss your current financial situation to determine if a refi is right for you.

Reverse Mortgages

If you meet the age and home equity qualifications on your Groton home, then you may be able to get cash each month from your home equity.


Prysma makes finding a home loan for your Groton home easy with their easy 4-step process



Prysma will first determine if you are pre-qualified for a home loan and how much you are qualified for. A Prysma licensed Mortgage Loan Originator will walk you through this process and will let you know if you’re eligible and how much you are eligible for.


Find Your Home & Make an Offer

If you are pre-qualified for a loan, you will then be ready to start shopping for a Groton home within your budget. One of the best ways to do this is to make a list of home needs, such as location and home size, then begin your search based on that. Once you’ve found the perfect Groton home, it’s time to make an offer. Good luck!


Loan Application

If your home offer has been accepted, the next step is to finish your loan application with Prysma’s Mortgage Loan Originator. They will walk you through all the documentation needed to complete your application.


closing & Moving in

Once your loan application has been completed and approved, all that is left to do is to close on your Groton home, get your keys, and move in!

Why Borrowers Choose PRYSMA for Groton Home Loans

Prysma Lending went above and beyond to help me with my loan. It’s hard to rely on a good lender now a days, with all the big corporate banks out there. Prysma provided me with Amazing service. I have been using them for over 10 years and couldn’t be happier.

– S. Johnson

Highly recommend Prysma! They were very professional and went above and beyond my expectations! They kept me informed and answered all my questions. A special thanks for Debora and Mark for their effort, even during their vacation they worked and made my closing happened.

– M. Breda

Prysma cares about their clients and works hard to demonstrate that with each closing!

– W. Bernard

Understanding Milford home Groton loans

Conventional Mortgage Loans in Groton

Conventional loans are typically backed by the loan company you are directly working with and aren’t insured by the government. This may offer some additional flexibility when applying for your Groton home loan. Here are the conventional loans available at Prysma:

  • Fixed-Rate Loan:

    A fixed-rate loan means that the interest rate on your home loan will never fluctuate. If you know how much you are wanting to pay a month and do not want any wiggle room for this, then this would be a good option for you.

  • Adjustable-Rate (ARM) Loan:

    Groton home buyers that are looking to sell their house after a shorter period of time or are flexible with their monthly payments may want to take advantage of an ARM loan. This means that the monthly payment on your loan may change after certain periods of time depending on the current housing market. You may also be able to negotiate a cap on that interest rate so that it never rises above a certain interest rate.

Unconventional Mortgage Loans in Groton

  • Federal Housing Administration (FHA) Loan:

    Because FHA loans are backed and insured by the government, it may be easier to purchase a home through this route. You could be eligible for a lower down payment, lower interest rates, and more when purchasing your Groton home. To apply, you must meet a series of requirements such as being a verified US citizen with a social security number.

    An FHA loan may be considered one of the easiest routes for a Groton home buyer to get approved for a loan. Because FHA loans are back by the government, the requirements for the down payment, credit score, and other factors are less. A Prysma home loan expert will walk you through all the eligibility requirements to see if you pre-qualify.

  • Tax ID Loan:

    You may still be eligible to purchase a home in Groton, even if you aren’t a US citizen, with a Tax ID Loan. If you have an Individual Tax Identification Number, Prysma can walk you through the pre-qualification process to see if you are approved for a Groton home loan.

  • Veterans Administration (VA) Loan:

    If you are a veteran or currently serving, you may be eligible for a loan through the Veterans Administration. These special loans offer a lot of flexibility in their application process, the most popular being that no down payment is required to be approved for a loan. If you have proof of your military service and haven’t been honorably discharged, then you may qualify.

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Mortgage Refinancing in Groton

  • Mortgage Refinancing Options: A refinance may be a great option for Groton homeowners that currently have a home loan and would like to investigate their options to adjust their mortgage. The home loan experts at Prysma will work with you to see if your eligible for a lower monthly rate, lower interest, or even a shorter loan term.

Reverse Mortgage Options in Groton

  • Reverse Mortgage Options: If you are over 62 and currently own your home, then you may be able to get cash each month from your home equity! Those that are retired or about to retire and need a supplement to their current income may benefit from this. A Prysma expert will walk you through each step to see if you meet the reverse mortgage eligibility requirements.

Our Connecticut Home Loan Office Locations

Prysma’s team of home loan experts and licensed Mortgage Loan Originators are ready to help you begin your Groton home loan application process. Call or email them today.

You may also stop by one of our locations, we have two Connecticut offices:

18 Padanaram Rd, Danbury, CT
4750 Main St, Bridgeport, CT