Mortgage Lending Made Easy
Talk to a real loan officer about what fits your situation. Whether you're buying your first home, refinancing the one you've got, or building a real estate portfolio, we'll find the right path for you.
We close most loans in under 30 days, some in under 14
Combined 50 years of mortgage experience
Licensed in Connecticut and Massachusetts
You work with a real loan officer, not a call center
Where do you want to start?
Buying a home
You’re looking to buy. Whether it’s your first or your fifth, we’ll walk you through what to expect, what you’ll qualify for, and what your real monthly cost will look like.
Refinancing
You already own. Maybe rates have moved, maybe you want to pull cash out, maybe you want to shorten the term. We’ll run the math and tell you whether refinancing actually makes sense for you.
Investing in real estate
You’re building a portfolio or working on your next flip. Different rules, different products, different speed. Our investor side is built for that.
Why people choose Cheney
Mortgages are easy to get wrong. The wrong loan officer makes you fill out paperwork twice, gives you vague answers, and disappears the week before closing. We built Cheney Mortgage as the opposite of that experience.
You get one loan officer who knows your file. We tell you straight what to expect, set realistic timelines, and stay reachable.
That’s the difference.
How it works
Pre-Qualification
A short conversation about your goals, income, and credit. You leave knowing what you can likely borrow and what your payment looks like. No cost, no obligation.
Application & documents
We give you one clear checklist — not a drip of “oh, and one more thing.” Pay stubs, tax returns, bank statements. We tell you why each one matters.
Processing & underwriting
Our team verifies everything and works on the file. This is where most lenders go quiet — it’s where we check in. You’ll know if anything’s needed before it becomes a delay.
Conditional approval
The underwriter says yes, with a short list of final items. We walk you through each one so nothing stalls.
Clear to close
Final numbers confirmed, closing disclosure sent. You review exactly what you’ll sign and bring — three days ahead, as required.
Closing day
You sign, you get the keys (or your new terms), and we’re still here afterward if anything comes up.
Most clients move through all six steps in under 30 days
When your file comes together fast, we’ve done it in under 14.
Service area
We work with buyers across Connecticut, with Massachusetts coverage where applicable. Major Connecticut areas we serve include [TOWNS — coming in content inputs].
Get prequalified or call 860-288-4884.
Loans subject to credit approval.