New Fairfield, New Milford and Danbury 

Photo of James PhilipakosJames Arthur Philipakos 
Mortgage Loan Officer
Office: 203.364.2967
Cell: 203.856.4771 
NMLS# 792410

James has worked locally as a Mortgage Banker for over 15 years, helping buyers and homeowners with their mortgage needs.  James’s also serves as a Board Member for the Northern Fairfield Association of Realtors, Treasurer of Woman’s Council of Realtors and is the President of BNI networking group. He is a member of the Finance Board for the Regional YMCA and proudly serves on the Sherman Housing Commission. James has been recognized as the affiliate of the year by NFCAR and is an active member and graduate of the Leadership Danbury program of the Chamber of Commerce. James is from Danbury and now resides in Sherman.  

I look forward to assisting with your home financing needs - James

Here's what some of my customers said recently...

Ready to get started? Select the loan type below. You will need to create a mortgage request account and then login.

Purchase or Refinance a Home Home Equity Loan Home Equity Line of Credit
Mortgage Icon Internet Savings Icon Business Lending Icon
Apply Now Apply Now
Wonderful Experience!!!
James was GREAT to work with. He made our mortgage process easy and explained everything clearly without using lender jargon. James was in constant contact us during the process. He is very personable and very professional and had our mortgage approved really fast! I have already recommended James to some friends who are also purchasing a new home. We highly recommend James!!!!! It was our pleasure to do business with such a friendly, professional person such as James!! Five Stars!!
Would highly recommend him
James did an excellent job. Refinancing through him was so easy. His follow up from beginning till end made this process so smooth. 
A+ Experience
As a first-time home buyer, it was such a pleasure to work with James and his staff at Newtown Savings. Buying a new home can be a stressful experience to start with, but it turned out better than I could have hoped for. James is knowledgeable and responsive - he took the time to walk me through the process step-by-step. I came away from our initial conversation feeling confident about what I could afford and what he thought would be in my best interest. On an expedited timeline for closing, James made sure that I would be able to make my commitments and the closing process could not have gone any smoother. He went above and beyond and hand-delivered the final check to my attorney's office! I would not hesitate to recommend him to anyone who is asking - he's the best!
My " Go to guy" for any mortgage/refinance
James has helped my wife and I successfully complete 2 mortgages and a 2 refinances in the 9 years we have known each other. He helped me get the best rate for a 30 year fixed mortgage while purchasing my 1st home, he helped us secure another 30 year fixed mortgage for a condo we purchased for my mother in law, and recently he helped us refinance our home to a 15 year fixed mortgage for a 2nd time. James responds quickly and is extremely knowledgeable. He is friendly and helps the stressful process of buying a home/refinancing become easy. I cannot say enough good things about James and honestly if you need a mortgage in CT, you should be calling James. In the future, if my family needs another mortgage or refinance, we will be calling James (and so should you).
James is the best
Being new to the home buying process, James guided me through from start to finish. He would informed me about the appraisal, underwriting, and all paper work that need to be signed. He made the whole process and easy and stress free. I highly recommend James for your mortgage!
Responsible with a stellar follow through
James took the time to explain everything which helped us go through the process more comfortably. He was always available to answer questions EVEN ON HIS DAY OFF! I can’t say enough good things about James. I highly recommend him and will definitely work with him again!
Very easy and organized process!
It was a pleasure working with James and his team at Newtown Savings Bank. During the refinance of our mortgage, James was responsive, organized and professional. We couldn’t be happier that our loan is through Newtown Savings Bank. Thanks James!
Wonderful Experience
James made my first home buying experience as manageable and stress free as possible. The first time I met with James, he sat down with me to go over the entire process of approval, what kinds of loans are available, and made sure I had a realistic understanding how what price range I should be looking in. He always got back to me quickly with the (many) questions I had - including being available over the weekends to clarify numbers for different homes. He was able to provide invaluable guidance throughout the entire process, and really helped me understand every stage as I moved forward. Buying a house for the first time was definitely a little scary, but working with James took away a lot of the unknown elements and made me feel confident with my purchase. I now have the house I was dreaming of thanks to all of the help James was able to provide!
Super Great Job!
James did an amazing job handling everything every step of the way for my refinance and was there for every question I had big and small.   From start to finish I felt he was super attentive on making sure we got the best care and best rate available, he did a fantastic job for me.
Excellent, with a CAPITAL E!
James and his team at Newtown Savings Bank were amazing from beginning to end! His genuineness and caring are evident from the first moment you speak with him. James took the time to walk me through all the steps and was patient with all my questions and subsequent follow up calls. He even provided me some local vendors contact info when I needed someone I could trust do some work. I came to appreciate James’ advice and everything worked out great! Great experience and made a stressful time much easier. 
James Philipakos is amazing!
I met James when we were moving to CT and buying a house. He got us the best rate, low fees and made everything so easy during the crazy stressful time of buying a house. We refinanced with him and took out our home equity line with his assistance. We shopped around a bit when the rates just hit the all time low but as always, James got us the best rate and made the process so easy! I recommend him every time I know someone looking to buy or refi. He's awesome.
James is your guy!
This is our second time working with James, and we are so thankful for his attention to detail and always going above and beyond to make sure we understand each step of the loan/refinance process. Reach out to James if you are looking for a loan/refinance, you will be in good hands!
Awesome Mortgage Refinance!
James was extremely helpful with completing our mortgage refinance. The process went very smooth, closed at a great rate and sooner than expected. James was very easy to communicate with and always responded very quickly to any calls or e mails. Will definitely work with him and NSB in the future.
A truly seamless process
The Residential Mortgage process with James Philipakos at Newtown Savings Bank (NSB) is as smooth as silk, from the first point of contact through the confirmation of closing. The NSB portal for submitting requested document, is very easy to use, and the ability to communicate with James, the underwriting department and the closing department is awesome. A truly seamless process to apply for and receive a loan. I recommend NSB to all first-time buyers and Re-fi candidates.
Excellent Work by James
James, thanks for great work in getting us our new home. Great to have you always on the ball. Great attention to detail; guiding us though the process; and keeping us updated throughout the whole process. Definitely will use your services again in Brookfield CT.
An Amazing Experience
James is very professional, knowledgeable and a pleasure to work with. He was involved with the process from the application to the closing of the loan.
Great Experience
I was a first time homebuyer and James took me under his wing and helped guide me through every step and answered any question that I had. I could not say enough good things about this guy. There was never a point where I was unsure of what was going on. I highly recommend James, you won’t regret teaming up with him.
Knowledgeable, prompt, professional
James Philipakos comes highly recommended by my family. James helped us with our first home purchase in August of 2019 and when rates dropped, let us know about refinancing options, which we just closed on today. While the mortgage process is an arduous one, James is there every step of the way, helping to answer questions, offer solutions, and will guide you through the entire process. James provides the perfect blend of a community banking feel with the capabilities of the larger lenders. His knowledge of the various options available helped us find an amazing fixed rate. We were able to save a TON of money on our monthly payments on our refinance and even more money on the life of the loan. Thank you, James!
5-Star Rating!
My wife and I had always been intimidated by the refinance process and kept putting it off. James made everything so easy it was unbelievable. 5*’s!!
Wonderful guide through homebuying process professional
James was an excellent source of support throughout the entire home buying and selling process. He guided us through every stage and answered every question or concern - regardless of the time of day. He helped to secure the best rate for our mortgage and worked day and night to ensure that we were prepared to close our loan on schedule. I wholeheartedly recommend James for home buying or refinance needs.
I purchased my condo during this pandemic. I had to move, didn't really want to, and was looking to rent not buy, but rents are so expensive. James came recommended to me and he was Fantastic!!! He took the time out to talk to me and explain everything to me. My anxiety was thru the roof with all that was going on. James talked me down many times, he listened to me, and assured me that everything was going to be all good. I had many questions as I don't always understand the numbers and how they work, he took the time to explain on countless occasions for me. He always responded and never made me feel as if I was bothering him or stupid for not understanding. This was the first time I actually purchased a home by myself, and he was a tremendous help, his team also. My mortgage got approved quickly and the process was that much easier because of him. I would highly recommend him. If I ever purchase again, which I hope will not be anytime soon, I will definitely use him again.
Seamless process, professional all the way through
James was recommended to us to refinance. We couldn't be happier with the process and the results. We have now had the pleasure of working with him on two separate occasions. Both times he has been incredibly helpful, quick to respond, and an overall pleasure to work with.
Highly recommend using James!
James was amazing! Extremely helpful and made sure we understood each and every step of the process. He exceeded our expectations and we would recommend to anyone who is looking to purchase or refinance to contact James. 
Phenomenal Philipakos
James was awesome to work with to get my dream home secured. He was always picking up the phone, even when he was on vacation when I called and answering my million questions, as this was my first rodeo getting a mortgage. He never swayed in his diligence to get my mortgage through, even in this wild housing market. James was patient, thoughtful, funny, and super helpful in guiding my new family and I to the best product and rate that I was qualified for. I have been recommending James Philipakos to my friends and family for years based on their interactions with him, and I am grateful that I finally got the chance to work with James in getting my dream home on Candlewood Lake.
The Ultimate Mortgage Professional!
James and his team were proactive, organized and above all made this process enjoyable. That's right, I said enjoyable! He prepared me for every step and checked in frequently to answer questions and provide details. I felt a high level of confidence in him and the NSB team throughout the process. I was not expecting to close within 30 days, but we did it! Couldn't have chosen a better partner for my mortgage needs. Period. Highly recommend.
Honest and easy to work with
James did an absolutely amazing job working with us to buy our first house. He was incredibly helpful and always there for us as we worked through the process of finding and buying our first house. He always answered the phone, was available on weekends and only promised us what he could deliver. We give him the highest recommendation possible! He did a great job!
Fantastic Experience With James Philipakos
I highly recommend James as somebody to work with who can easily get you through your home purchase process. From the beginning, James was totally accessible and did a great job of explaining everything to the final detail. Additionally, I am bugged him because I was wavering back and forth between how much I was going to put as a down payment. So my various questions about "if I pay this much down, my monthly mortgage will be what" could have frustrated him but instead he hit me back right away with his answer. I would recommend James to anybody about to take on this process (and I already have) - you won't be sorry.
He’s your guy!
Working with James Philipakos was a no brainer the second we met with him. James was recommended to us through a family friend. We were looking for someone to help us through the process of buying our first home. He not only met our expectations but he exceeded them beyond belief. He put all our nerves to ease by always being available to answer even the simplest question we have had. He was professional, understanding, organized, and committed. James not only does his job well, he cares about the people he is working with. He made sure to always be a head of the schedule and prepared for any bumps in the road that may occur. Our process buying our house was seamless and it was a big part of all the work James put in. We are so grateful for all the work and help James did to get our perfect home.
James is great
James is a great guy and we had an amazing experience with him. Highly recommend him to a family member. Made our experience of buying a house easier.
Fantastic Experience
James was incredible. He and his team were sensitive to the fact that we had a huge, unpredictable last minute change to our mortgage situation and a nearly impossible timeline. They made the deadline and were so friendly and attentive the whole process. Thanks James!
About James
James is excellent Mortgage Banker to work with - easy communication, responsive, explanatory, will work with you on any single point and concern should you have one in timely manner. Will strongly recommend.
Pleasant experience
I worked with James on obtaining a mortgage and the experience was so pleasant that I am eager to do it again in the near future! James made himself readily available whenever I needed him--which was not often because he kept me informed of the mortgage process every step of the way. His confidence allowed me to be at peace as I managed a thriving business and went about my daily tasks. From pre-approval to closing, James walked me through each step of the way with his knowledge, humor, and easy going style. I cannot say enough good things about the experience. I highly recommend James Philipakos when it is time to obtain a mortgage!
Awesome follow-up and driving things forward
James was on top of every facet of my refinance throughout the process. He provided me timely updates and got me the necessary information with plenty of time for me to complete the paperwork. Never in my wildest dreams would I have imagined a refinance going so smoothly. If I were ever to refinance again in the future, I would ask for James specifically because of how wonderful this experience was.
James Philipakos
I recently had the pleasure of using James for a Mortgage and it could not have gone any smoother. From our first conversation where he explained the process to the actual closing James kept me very informed of all aspects of the loan. If you are looking for a friendly, professional, knowledgeable mortgage lender I highly recommend James.
Positive Experience
It was a pleasure working with James, he was very accommodating to my needs and made the transaction very smooth, positive experience. We highly recommend James.

James has been one, if not the best, bankers I have dealt with
He is committed to make you happy and find what you are looking for, anticipates and acts on issues that a great banker can foresee, and constant communication to see your transaction all the way through. For busy people like me, James took my texts and calls at any time of day! As a matter of fact, he would reach out to me at times he knew would be best FOR ME (early morning, not on bankers hours!). James is personable while maintaining professionalism. I will refer James to any of my family and friends and will continue to work with him in my future endeavors. Great person!