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Home Loans – New Canaan CT

Your Trusted NEw Canaan, CT Mortgage Lender


Within the New Canaan area, we stand as your trusted lender for all conventional & unconventional loans.

Families in the New Canaan area always have the option to own their own home and Prysma is here to help them realize this.

Sitting down with you personally, our team of professionals is here to discuss all of the best possible loan options, rates and circumstantial factors contributing to your mortgage.

If you would like to meet in our office we have two offices: 

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

Call us today or fill out the form to the left to begin your journey to home ownership. We can be reached at: (855) 513-8374

Your different New canaan Mortgage loan options

Conventional Loans

A more flexible option are conventional loans. These, in loan terms, come with some of the lowest down payments available. Yet, along with this there is the option of a fixed or adjustable-rate mortgage.

Unconventional Loans

For the residents in New Canaan, a few of the Unconventional mortgage loans we offer are: FHA Loans, VA Loans & Tax ID (ITIN Loans).

Refinancing Options

Adjustments can be made to your monthly payments or interest rates if you are looking for refinancing options and are a homeowner.

Reverse Mortgages

Reverse mortgage loans are offered for those who are looking to leverage their existing equity and for older individuals. This is so they can receive regular and reliable cash payments.


Assistance is available from Prysma, whether this is your first house or you are merely relocating to the New Canaan area. Overall, all our team wants to do is help you through the home buying process by following this simple 4-Step process:



One of our licensed Mortgage Loan Originators, at Prysma, are open and available for consultation at any time to get you pre-qualified for a loan (up to a specific amount) that will help with determining the price range for the New Canaan home right for you. To ensure that you choose the best possible loan options for your necessities to be met, our loan specialists will take the time to assist you in order to answer any and all questions you may have.


Find Your Home & Make an Offer

Shopping for your New Canaan takes place after this; as when you begin this process of looking at different home options, you have to considers facts like: price, location and safety of the neighborhood. Once your property is chosen, you can make an offer and negotiate with the seller on the final sales price.


Loan Application

Sales prices and your New Canaan home will  be chosen and determined respectively when you revisit Prysma’s Mortgage Loan Originator. After this information is collected, you will then be able to apply and secure the perfect loan for your new home. And, rest assured, you will always be personally guided by your dedicated loan specialist every step of the loan process.


closing & Moving in

Finally, once everything has been approved and accepted (the offer and your mortgage), you will then prep for closing and move into your new New Canaan home.

Why Borrowers Choose PRYSMA for NEW CANAAN 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 NEW CANAAN home Mortgage loans

Conventional Mortgage Loans in NEW CANAAN

The Federal Housing Administration (FHA) and the Veterans Administration (VA), both, do not back up or insure conventional loans. There is no governmental financing at all. Due to this we (the lender) are responsible for all mortgaging. The conventional loan options that we do offer our New Canaan clients at Prysma are as follows:

Fixed-Rate Loan: The perfect option for New Canaan homeowners who are very steady month-to-month with payments and financing. Set at one simple fixed rate, after discussing, monthly payments will be an exchanged for a set down payment. And based upon market and interest variables your mortgage payment will be determined.

Adjustable-Rate (ARM) Loan: A good option for New Canaan homeowners planning on keeping their house for a short term are Arm loans. Due to their lower rate, these loans during the determined initial period will fluctuate depending on market conditions and index rates. Your New Canaan mortgage will have an interest cap (to limit the maximum your rate can increase to ) negotiated and placed upon it. However, different months your rate could be lower or higher.

Federal Housing Administration (FHA) Loan: Government-backed, the Federal Housing Administration will insure these loans overseen by your New Canaan lender. A better deal is achievable due to the possible inclusion of a lower down payment with closing cost or interest rates. Borrowers qualifications are as follows: they must have a valid Social Security number, lawful residency in the U.S. ad have steady employment history within the past two years.

Tax ID Loan: As a NON-US citizen who does not have a Social Security number, credit score, or Green Card then these are the loans that will best suit you. As a worker in the New Canaan area with a passport and Individual Tax Identification Number (ITIN) we will offer you loans.

Veterans Administration (VA) Loan: As a military veteran looking for a mortgage loan within New Canaan, the most suitable loans for you may be our VA loans. For the most part, these do not have a requirement of money done and, instead, come with very low interest rates (in comparison to conventional loans); except the requirements one has to meet to be able to possess these loans are: proof of military service, proof that you haven’t been dishonorably discharged and prior financials.

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Mortgage Refinancing in NEW CANAAN

  • Mortgage Refinancing Options: Refinancing, being the best option for you, can help when you want to make adjustments to your monthly payments. Through the process of increasing or decreasing your interest rate or monthly payments, the mortgage can be paid off quicker to cost less through the lifetime of the loan. Concerning your lifestyle and financial needs, our job as Prysma allows us to help fit your New Canaan mortgage around such.

    Notably so, refinancing for New Canaan homeowners is often a useful option.

Reverse Mortgage Options in NEW CANAAN

  • Reverse Mortgage Options: Looking to exchange equity for cash? If you stand at an age over 62 and are a homeowner, then you are applicable for a reverse mortgage. By exchanging your part equity (ownership) of the home, you will replace paying us monthly payments for your mortgage instead and we will be paying you as a result. If you’re looking for income to live on month-to-month and are a retiree, this option is a viable option. And there is no need to rush, for not until the home is sold or vacated will the borrower need to pay back the lender.

Our Connecticut Home Loan Office Locations

All throughout Connection, including the New Canaan area, Prysma is here to offer our clients both conventional and unconventional mortgage loans. All of this can be done over the phone or online as you are never required to come to our office in order to complete the loan process.

However if you do want to stop by then we have two Connecticut offices you’re free to visit at any time located at:

18 Padanaram Rd, Danbury, CT

4750 Main St, Bridgeport, CT