Why Sound Mortgage
When You Work with a Bank, You Get One Rate. When You Work with Me, You Get Dozens.
As an independent mortgage broker, Sound Mortgage shops your loan across a wide network of wholesale lenders — which means you're not stuck with whatever your bank is offering this week. Wholesale rates are typically lower than retail rates, and because the lender compensates me, not you, there's no hidden markup built into your rate.
Here's something most brokers won't tell you: I'll show you exactly how broker compensation works — so you can see for yourself that our interests are aligned.
Twenty Years Closing Loans
I bought my second investment property in my late 20s and realized I already knew more about financing real estate than most people around me — and that I genuinely liked explaining it. In 2006, I made it my career.
In business since 2006 — nearly 20 years closing loans on the CT Shoreline.
Locally owned & operated — based in Greater New Haven, not a call center.
Wholesale lender network — access rates retail banks can't offer.
5-star client reviews — real neighbors, real results.
You Deserve to Understand Your Mortgage, Not Just Sign One.
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Types of Loans
Every Situation Is Different. Here’s What We Can Work With.
Conventional — Competitive rates for buyers with solid credit and steady income — the most common path to a purchase or refinance.
FHA — Lower down payments and flexible qualifying — a strong option for first-time buyers.
VA — Zero-down financing for veterans, active-duty service members, and eligible surviving spouses.
Jumbo — Financing above conforming loan limits for higher-priced homes.
Refinancing — Lower your rate, shorten your term, or tap into your home’s equity.
Not sure which fits? That’s exactly what the first conversation is for — no forms, no pressure.
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REPUTABLE
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locally owned & operated
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wholesale lender network
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happy clients
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Client Testimonials
Rob Beesley
Guilford, CT
"I really appreciated all the guidance and support you gave us throughout the mortgage process. You made everything easy to understand and kept things moving without adding any stress on our end. It meant a lot knowing we had someone we trusted looking out for us every step of the way. We’d gladly work with you again down the road."
"Thatcher made this overwhelming experience so much easier for me, He was great to work with! I highly recommend!"
April Godfrey
Clinton, CT
Frank DePino
Guilford, CT
"I’ve worked with Thatcher at Sound Mortgage on multiple mortgages over the years and have always appreciated his knowledge and guidance throughout the process. He takes the time to explain options clearly, answer questions, and help navigate what can sometimes be a stressful process. I’ve enjoyed working with him and would definitely recommend reaching out to Thatcher and the team at Sound Mortgage."
From First Call to Closing Day — Here's What to Expect
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A real conversation. Not a sales pitch.
We talk through your situation, your goals, and your timeline. No forms until you're ready.
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Your numbers, laid out clearly.
I pull rates from multiple wholesale lenders and show you a side-by-side breakdown — including what I'm earning on each option.
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You decide, without pressure.
Every client gets a no-obligation analysis. Take it, think on it, compare it elsewhere. The decision is yours.
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