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I am a lifelong resident of West Hartford. I attended Conard High School and went on to Fairfield University where I obtained a Bachelor of Science in Mathematics. I opened MAK Mortgage Company, Inc., a CT licensed mortgage brokerage, in 1995. Over the years I have gained in depth experience and skillfull abilities to handle the many changes and challenges in the mortgage business for my clients. It is my goal to assist each person obtain the financing which meets the goals of their personal situation. My staff and I look forward to working with you and serving your individual needs. Please call, email or set up an appointment to discuss your needs for mortgage financing. Thank you. Michael A. Kirkutis, Mortgage Loan Originator, CT DOB NMLS #111599. MAK Mortgage Company, Inc., Mortgage Broker, CT DOB NMLS #103552, MORTGAGE BROKER ONLY, NOT A MORTGAGE LENDER OR MORTGAGE CORRESPONDENT LENDER.


A cash out refinance is when you take out a larger mortgage on a property than is already in place. Because you are getting a mortgage amount which is an increase over anything that is in place, you will yield what is called...
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Based on the various mortgage programs, a mortgage lender will determine guidelines on what debt to income ratios are allowable for a specific mortgage program. As we work to prequalify you for a mortgage loan, we will run...
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Let's start by looking at property tax amounts and how they get paid. The overall taxes on the HUD1 settlement statement will include first, for seller paid taxes in advance and secondly, for the escrow account. In...
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In getting a mortgage loan, you will go through the necessary stages to do so. These are prequalifying, making mortgage application, mortgage processing, mortgage underwriting and the mortgage closing stage. Initially you...
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In order to be able to lock in an interest rate and points, you must make formal mortgage application. Once application is made, we are able to lock in the interest rate and points with the designated lender who makes the...
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In order to pre-qualify for a mortgage loan, you will need to provide your financial information so we can analyze what mortgage amount and mortgage program you would qualify for. The information consists of your current and...
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