Fairfield County's Premier Mortgage Broker

Your Real Estate Dreams,
Realized — By People Who Actually Know You

PFS Mortgage combines 36 years of lending excellence with the personal attention of a family-owned business. No red tape, no runaround — just the right mortgage, tailored to you.

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36+
Years in Business
4
Licensed States
CT & NY
Family-Owned Roots
Why PFS

Built on Trust. Proven by Time.

36 Years of Excellence

A proven track record built over three decades of helping CT and NY families achieve homeownership.

Family-Owned & Operated

The O'Brien family brings personal accountability and genuine care to every client relationship.

Licensed in 4 States

Fully licensed and NMLS-registered in Connecticut, New York, Florida, and Hawaii.

After-Hours Support

Direct access to our team means you're never left without answers when it matters most.

Happy couple receiving home keys
36
Years Serving
Connecticut
PFS Mortgage office
Our Story

Fairfield County's Mortgage Family — For Over Three Decades

PFS, Inc. is a family-owned and operated mortgage company rooted in Fairfield County, CT. For over 36 years, the O'Brien family has been helping neighbors, friends, and clients across Connecticut, New York, Florida, and Hawaii turn real estate goals into reality — one personalized mortgage at a time.

We believe the mortgage process shouldn't be confusing, impersonal, or overwhelming. That's why we take the time to genuinely understand your situation, cut through unnecessary complexity, and craft a mortgage program built specifically around you.

In a world of big banks and faceless lenders, PFS stands apart. We combine the product access and efficiency of a large institution with the personal accountability and consistent communication that only a family business can offer.

Our Licensed Team (NMLS)
Frank O'Brien
#119949
Egan O'Brien
#1389505
Kiernan O'Brien
#2226345
Kaitlyn O'Brien Brooks
#1712368
What We Offer

Mortgage Solutions for Every Stage of Life

Whether you're buying your first home, upgrading to your forever home, or looking to refinance — our array of mortgage products and access to a wide lender network means we can find the perfect fit for you.

Happy family in their new home
Home Purchase Loans

Whether it's your first home or your next property, we find the right purchase mortgage to match your goals, timeline, and budget.

Refinancing

Lower your rate, shorten your term, or unlock your equity — we identify the refinance strategy that makes the most financial sense for you.

Mortgage Product Matching

With access to an array of mortgage products through our lender network, we shop on your behalf to find the best fit for your unique situation.

Rate Consultation

Stay ahead of the market with expert guidance on current rates and the right moment to lock in the best terms for your loan.

Connecticut Lending

Deep local roots and deep expertise in the Connecticut market — from Fairfield County and beyond, we know the landscape you're buying into.

New York Lending

As a Registered Mortgage Broker with the New York State Department of Financial Services, we bring trusted, licensed expertise to your NY transaction.

How We're Different

The PFS Difference — In Every Detail

We've spent 36 years perfecting what it means to treat clients like neighbors, not file numbers.

36 Years of Lending Excellence

Decades of experience navigating every market condition means you get expert guidance — not guesswork — at every step.

Personal, Not Transactional

We listen to your goals, assess your unique situation, and craft a mortgage program that fits you — not a cookie-cutter solution.

Big-Bank Technology, Local Heart

We combine streamlined technology and product access of a large lender with one-on-one service that only a family business can deliver.

Consistent Communication

You'll never wonder where your loan stands. We keep you informed at every stage so there are zero surprises at the closing table.

Hassle-Free Process

No endless red tape, no being treated like a number. Our efficient process is designed to get you to closing smoothly and on time.

Licensed Across Multiple States

Serving clients in Connecticut, New York, Florida, and Hawaii — wherever life takes you, PFS Mortgage is ready to help.

How It Works

Your Path to the Closing Table

Five clear steps designed to keep you informed, empowered, and moving forward.

01

Share Your Goals

Connect with our team and tell us about your home purchase or refinance goals. We listen carefully so we can chart the right path forward for you.

02

Personalized Assessment

We evaluate your unique financial situation and explore the full range of mortgage products available through our network of lenders.

03

Tailored Program Selection

We present mortgage options matched to your needs — clearly explained, with no pressure and no confusing jargon.

04

Streamlined Application

Our efficient application process minimizes paperwork and keeps you informed every step of the way from submission to approval.

05

Close With Confidence

We guide you all the way to the closing table with consistent communication, ensuring a smooth, hassle-free experience from start to finish.

By the Numbers

The Track Record Speaks for Itself

36
Years of Excellence
4
Licensed States
4
Licensed Experts
CT NY
Local Roots
Questions & Answers

Everything You Need to Know

PFS is licensed to serve clients in Connecticut, New York, Florida, and Hawaii. Whether you're buying locally in Fairfield County or purchasing in another state, our licensed team has you covered.

No — PFS is an independent, family-owned mortgage broker, not a bank. This means we work with a network of third-party lenders to find you competitive mortgage products, rather than being limited to one institution's offerings.

We offer an array of mortgage products for home purchases and refinancing. Our team assesses your situation and matches you with the program that best fits your financial goals and profile.

With PFS, you get consistent personal communication with real people — not a call center. We tailor our entire approach to your needs, eliminate unnecessary red tape, and treat you like a neighbor, not a number.

Yes. Our standard hours are Monday through Friday, 8:00 am to 7:00 pm. After-hours assistance is also available — you can reach Frank O'Brien at (203) 260-8897 or Egan O'Brien at (203) 313-7281 directly when you need support outside those hours.

You can call us at (203) 452-3590, email egan@pfsmortgage.com, or send a message through our contact form below. We're always happy to answer questions and help you take the first confident step toward your real estate goals.

Real Clients, Real Results

The Moments That Matter

Couple receiving home keys
Family in their new home
Modern home exterior
Ready to Begin?

Your Dream Home is
Closer Than You Think

Connect with the PFS Mortgage family today. One conversation can change everything.

Call (203) 452-3590 Send an Email
Our Office
Address

42 Lanell Dr
Stamford, CT 06902

Get Directions
Office Hours
Monday 8:00 am – 7:00 pm
Tuesday 8:00 am – 7:00 pm
Wednesday 8:00 am – 7:00 pm
Thursday 8:00 am – 7:00 pm
Friday 8:00 am – 7:00 pm
Saturday Closed
Sunday Closed
*After-hours: Frank O'Brien (203) 260-8897 or Egan O'Brien (203) 313-7281
Send a Message
Need immediate assistance?

Our team is personally available for after-hours support.

Frank: (203) 260-8897 Egan: (203) 313-7281