Bethel, CT · Est. 1992

Your Loan,
Our Expertise.

Since 1992, JTM Financial has connected families and businesses in Connecticut to the best mortgage and commercial loan solutions. Personalized service — no bank visits required.

Get a Free Quote Our Services
30+Years in Business
4Senior Loan Officers
3Loan Types
CTBethel & Region
(203) 797-0653Call us directly
FreeFirst Consultation
FastPersonalized quotes
LocalBethel, CT team
What We Do

Loan solutions for every need

Home Purchase

Looking to buy your first home or an investment property? We shop dozens of lenders on your behalf and deliver the best rate.

Learn More →

Refinancing

Interest rates dropped? Home value increased? We find refinance options that put money back in your pocket.

Learn More →

Commercial Loans

Need capital for your business? We structure commercial loans using real estate as leverage, with rates far below conventional credit lines.

Learn More →
The Process

Simple from start to close

1

Request a Quote

Fill out the form or call us. No obligation, no paperwork yet.

2

We Shop Lenders

Our team compares dozens of lenders to find your best rate.

3

Review Your Options

We present clear, personalized loan options — no hidden fees.

4

Close with Confidence

We guide you every step until your loan closes successfully.

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This calculator provides an estimate for informational purposes only and does not constitute a loan commitment or guarantee of terms. Contact JTM Financial for a personalized rate quote based on your specific situation.

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Client Reviews

What our clients say

✅ Google
★★★★★

"Jay and his team made our first home purchase incredibly smooth. They found us a rate we couldn't get anywhere else, and walked us through every single step. We couldn't be happier."

MR
Michael & Rachel T.
Bethel, CT — Home Purchase
✅ Google
★★★★★

"I refinanced with JTM Financial and saved over $400/month. Jay McGorty II was always available, answered all my questions, and closed faster than I expected. Highly recommend."

SC
Sandra C.
Danbury, CT — Refinancing
✅ Google
★★★★★

"Been using JTM for two properties now. George Radachowsky is the most knowledgeable loan officer I've ever worked with. This team treats you like family, not just another file."

DM
David M.
Newtown, CT — Commercial Loan
5.0
★★★★★
Google Rating
30+
★★★★★
Years Serving CT
100%
✓✓✓
Client Satisfaction
Get Started Today

Request a personalized rate quote

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Your information is kept strictly confidential.

Prefer to talk directly?

Our team is available Monday–Friday. First call is always free.

(203) 797-0653
Our Story

30 years of trust
in Bethel, CT

Founded in 1992 on a simple promise: if our clients are happy, they tell the people they love.

Who We Are

Built on referrals, not advertising

JTM Financial Services, Inc. was founded in 1992 by Jay T. McGorty with a philosophy that still drives everything we do: deliver an experience so good that our clients become our best ambassadors.

Over three decades, our office in Bethel, CT has become a trusted destination for families, first-time buyers, seasoned investors, and business owners across Connecticut.

We don’t push products. We listen, analyze your situation, and match you with the loan solution that genuinely fits your needs.

1992
Year founded by Jay T. McGorty

“The company follows a customer satisfaction driven business model with the notion that if a client’s experience with JTM Financial surpasses all expectations, then that client will share their experience with friends, family, and acquaintances.”

— JTM Financial Services, Inc.

Our Values

What sets us apart

Personalized Service

Every client is different. We take time to understand your specific situation before recommending any product.

30+ Years of Experience

We’ve navigated every market cycle since 1992. Our team finds solutions when others can’t.

Full Transparency

No surprises, no hidden fees. We walk you through every detail so you close with complete confidence.

Our Team

The people behind JTM

Leadership

JM

Jay T. McGorty

President & Founder
MM

Mary Ellen McGorty

Owner

Senior Loan Officers

JM

Jay T. McGorty II

Senior Loan Officer
GR

George Radachowsky

Senior Loan Officer
AS

Al Siegel

Senior Loan Officer
JH

James Hennessey

Senior Loan Officer

Ready to work with our team?

First consultation is free — no commitment required.

Get a Free Quote
What We Offer

Loan solutions
built around you

We shop dozens of lenders so you don’t have to. Personalized service, competitive rates, zero hassle.

Residential

Home Purchase

Whether you’re buying your first home, upgrading, or acquiring a rental investment, JTM Financial works as your advocate to secure the best possible financing.

We compare loan products from multiple lenders simultaneously and deliver your options clearly, without the runaround.

  • Conventional loans (fixed & adjustable rate)
  • FHA and VA loans
  • Jumbo and non-conforming loans
  • Investment and second home financing
  • First-time homebuyer programs
Get a Home Purchase Quote

What we'll need from you

  • Requested loan amount
  • Property value or purchase price
  • Loan type preference
  • Expected credit score range
  • Existing liens (2nd mortgage, HELOC)
  • Your name and contact information
Refinancing

Refinancing

Market conditions change. Refinancing can put significant money back in your pocket — lowering your payment, shortening your term, or tapping home equity.

JTM Financial reviews your current mortgage and identifies exactly when a refinance makes financial sense for you.

  • Rate-and-term refinancing
  • Cash-out refinancing
  • FHA Streamline and VA IRRRL
  • Debt consolidation refinancing
  • HELOC (Home Equity Line of Credit)
Get a Refinance Quote

Good reasons to refinance

  • Interest rates have dropped since you closed
  • Your credit score has improved
  • Your home has appreciated in value
  • Switch from adjustable to fixed rate
  • Access equity for home improvements
  • Pay off your loan faster
Commercial

Commercial Loans

Business owners need capital without giving up equity. Commercial real estate loans let you leverage property value at rates far below conventional credit lines.

JTM Financial structures commercial loans tailored to your objectives — acquisition, expansion, refinancing, or working capital.

  • Commercial real estate acquisition
  • Owner-occupied commercial properties
  • Multi-family and mixed-use properties
  • Commercial refinancing
  • Business purpose loans with real estate collateral
Get a Commercial Loan Quote

What we'll need from you

  • Requested commercial loan amount
  • Current property value
  • Loan type / purpose
  • Expected credit score range
  • Existing liens on property
  • Business name and contact information

Not sure which loan fits you?

Call us and we’ll walk you through your options — for free.

(203) 797-0653Request Quote Online
We're Here to Help

Let’s talk about
your next loan

Call, email, or fill out the form below. First consultation is always free.

Phone
Call us Monday–Friday
Fax
(203) 743-9652
Send completed forms by fax
Email
We respond within 1 business day
Office Address
8 Elizabeth St, #204
Bethel, CT 06801

Office Hours

Monday – Friday9:00 AM – 5:00 PM
Saturday – SundayBy Appointment

Free Rate Quote

Fill out the fields below — we’ll get back to you within 1 business day.

Your information is kept strictly confidential.

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(203) 797-0653
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