Headshot of Cindy Perham

Cindy Perham

HECM/ Housing Wealth Specialist

NMLS #110424

46 Miller St., #1
Fairfield, CT 06824
(203) 521-0445 (203) 521-0445
[email protected]
Specializes in
Purchase and Refinance
Purchase and Refinance
Refinance Loans
Refinance Loans



About Cindy

After spending over 30 years in the banking and mortgage industry, my true love is working with individuals 62 years or older to achieve their goals in retirement. I’m an expert in Home Equity Conversion Mortgages (HECMs) and Reverse Mortgages, but I have experience originating all types of home purchase loans and refinances. No matter your financial goal, I’m ready to help you achieve it.

As a HECM/Housing Wealth specialist, I will assist you and answer all your questions regarding using a HECM or Reverse Mortgage to achieve your financial goals. I will involve all those you want to include in the process, such as children, close relatives, or trusted advisors. I want you to feel secure about the decisions you make for this, or any other mortgage.

Whether this is your first mortgage or your ninth, I will simplify home financing for you. I’ll walk you through each step of the process, take the time to answer your questions, and keep you up to date on your loan’s status. From start to finish, I want to make sure you feel confident your mortgage is moving smoothly to closing.

I earned a Bachelor of Science in marketing and communications from Bryant College in Smithfield, Rhode Island in 1988. Afterward, I completed my Master of Business Administration at Sacred Heart University in Fairfield, Connecticut. I’ve been a proud member of Kiwanis International for 32 years, serving as Division 20 Lieutenant Governor in 2020-2021. When I’m not helping my clients, I enjoy yoga, hiking, photography, and spending time with my dogs.


Recent Posts and Articles

  • Is a VA Loan Right for You?

    If you need a mortgage and are a current member of the U.S. Military, a Veteran, or a Surviving Spouse, a VA loan is an option for you.

  • tan house summer weather

    Navigating a Hot Homebuying Market Amid Rising Rates

    Spring and summer are typically strong periods for home sales, and this season may be more competitive than ever. When navigating today’s complex mortgage environment, here are some things to consider based on recent trends.

  • A home prepared for colder weather after following tips to winterize your home

    Frosty Fixups: 10 Ways to Winterize Your Home

    Whether you’re facing snow showers or sunny days, now is the time to follow our home winterization checklist to stay warm all season long.

  • Fall Check Up: Protect Your Home in 10 Steps

    Preparing for a new season may spotlight home repairs. Maybe it’s something simple, or perhaps your roof is caving in! Read more about fall home maintenance and how we can help.

A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.


Helping your home financing process go smoothly.

  • There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

Quick Contact Form

Send me a message below or give me a call at (203) 521-0445