Welcome to Constitution Mortgage/BCI Financial!

The Constitution Mortgage/BCI FinancialTeam is committed to providing clients with the highest quality home loans combined with some of the lowest mortgage rates available in Connecticut. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, our highly experienced team of mortgage brokers can help make your dreams come true.

At Constitution Mortgage/BCI Financial, we have over 30 years of experience in serving mortgage borrowers. Our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come. 

Cheshire Connecticut has been rated in Money Magazines Top 100 places to live.  Contact Constitution Mortgage, your local mortgage company,  to represent you.

Fixed mortgage rates are at their lowest in six decades.  Investors, scared off by European market woes, are piling money into the US Treasury bond market, pushing interest rates down.

It is definitely a great time to buy, but is it time to refinance - or should you hold out for them to decline a little more?  Individual circumstances vary, of course.  But as a general rule, refinance when it makes financial sense rather than trying to hit the lows, mortgage experts say.  "Waiting for lower rates is like gambling, " says Polyana da Costa, mortgage reporter for Bankrate.com a financial-rate information website.  "And in this case, it's probably not worth the risk.  Rates usually fall slowly but they shoot up fast."

With fixed mortgage rates dipping below 4 percent for a 30-year loan, the math of refinancing is becoming compelling for many homeowners.  Refinancing transactions surged 11.2 percent last week, according to the Mortgage Bankers Association.  

Contact Constitution Mortgage to determine if refinancing may be a good option for you.