New Fairfield, New Milford and Danbury 

Photo of James PhilipakosJames Arthur Philipakos 
Assistant Vice President, Mortgage Banker
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...

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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!!
 
1st Time Home Buyer
After 2.5 years I can proudly say that I am home owner. I planned on looking sooner but I was put off by all of the horror stories I heard over the years of the buying process. This didn’t happen with James. James made the buying process so easy and stress free. Even when I wasn’t actively looking. He would call and check in every few months just to keep me updated on the market and interest rates and just to see how I was doing. I would highly recommend James and anyone else at NSB. I’ve been an NSB member now since 2010 and have never had a bad experience.
 
Smooth Experience
James and his team made everything smooth and easy for us during the mortgage process. We were happy to receive an excellent rate and enjoyed working with this local CT bank vs. a national chain.
 
James made it very simple
James was a great “Hands On” Newtown Bank Mortgage Banker who walked us through every step we took to help us secure our new home in New Fairfield, Ct. Although we never dealt with having a home mortgage and all the e-signs and technology that is now available for easy access paperwork, James made it very simple for us to understand and qualify to acquire our mortgage and ultimately purchase our new home in New Fairfield, CT.  So once again we say “thank you”.  
 
James was great!
The lender I was initially working with wasn't able to offer the rates/type of mortgage that I was looking for and let me know too last minute. I am glad someone directed me to James at Newtown Savings Bank, I already had a signed contract with a loan commitment deadline but he was quick and responsive during the whole process and, of course, offered me a great rate. I would definitely recommend or work with him again.
 
Absolute professional
The lending process with James was amazing! He was in communication with us at all times walking us through every turn. It really took the stress off of the process. All of our transactions were secure and efficient. We were thrilled to go through this process so easily with James and his team.
 
Professional, Quality and Available
I could not recommend James enough as he was very up front and honest to us during our home buying process. He was always available for all of our questions and made us feel comfortable with the process. He always kept us up to date on the status of the mortgage and was very informative when we had questions.
 
Made it a Breeze - Painless Experience
James was so patient with my many questions and concerns as a first time buyer which ultimately gave me tons of ease and confidence through this emotional process. He was very reachable and personable. Shared his local knowledge of the area & glad we finally met Closing Day in person. My decision to go with a local bank was really solidified when I witnessed the personal attention I was getting with every team member I spoke to throughout the loan process. The Congratulations Breakfast Basket was also a great surprise I knew I would never receive from others. Can’t rave enough about how great my experience was with James & the Newtown Savings Bank team. Highly recommend!

Highly Recommend

I worked with James to purchase our first home, he helped us through the whole way. He is very strong in communicating in every platform whichever one you prefer, phones calls, texts, emails. We started with the pre-approval process until the perfect home was found and processed all the financial paperwork and was present at closing. James was always available to clarify any questions I had. I highly recommend his services.

 
Easy Process
This is the second time we have used James and could not be happier. He is knowledgeable and explains every step of the loan process. James is very responsive to calls/emails and he continues to check in even after your loan has closed to see if you have any questions or need anything.
 
James Philipakos
Me and my husband recently worked with James from Newtown Savings Bank to help us sell our home and purchase a new home this past winter. He was extremely helpful and knowledgeable. He worked around the clock to get our mortgage approved. He even came to the house on the day of the closing to take a picture with us. Very friendly and personable. I would recommend James to my family and friends. He is a wonderful Mortgage Banker!
 
Extremely helpful, especially for a first time home buyer! Thoroughly walked me through the whole process and answered every question that I had.
Would highly recommend working with James! He is always available and willing to re-explain things as many times as needed. It was a pleasure working with him!
 
James is the best!
James was friendly and extremely helpful from the very first contact. He saw us through every stage of our lending process and was a pleasure to work with. He was able to secure a rate that was lower than anywhere else, he made sure we had everything in place to move forward on time to close on our new house, and he continued to support us when we needed to recast our loan after the sale of our home.
 
James Philipakos Cares About Customers
James is very knowledgeable and he remains involved in the process. From the initial meeting with him he takes ownership of the entire process at the bank. At other banks you'll be handed off to other employees, with James he treats you like his customer until the loan is completed.
 
Hands down, the best
James was without a doubt the best lender I dealt with and I dealt with many, trying to find the best fit who can help me and my wife buy our dream house. James made the process unbelievably easy and he made sure everything made sense. He was always there when I needed him and still is. Without James, I would not be in living in my new beautiful home. Thank you for everything, James!
 
Quick, Courteous and Professional!
With my wife & I just moving into the area, we were not around the block to visit mortgage brokers in person. James made the whole process completely seamless and most of our transaction was done online and over the phone! The Sellers wanted a quick close and James came through to meet our very short timeline! Any questions that we had were promptly answered same day via text and email. I would highly recommend using James for your mortgage and refi needs!
 
Definitely recommend James!
As first time home buyers, we were learning a lot as we went along. James helped educate us with clear and simple explanations of mortgage lingo and how the overall process works. James was also available whenever we had questions. Thank you James!
 
First Time Buyer - Fantastic Buying Experience with James
As a first time home buyer, I immensely appreciated the time James took to explain everything and ensure a smooth home buying process. He's extremely professional and I can't recommend him enough!! Thank you for everything James! ”
 
Response, transparent, helpful, competitive - the perfect lender
James was extremely helpful throughout the lending process. He was awesome through and through. We actually went with James (Newtown) which was a touch higher in rate than a competitor, but James and his team were so responsible during our shopping process and willing to match some of the closing costs to close the gap, which made us feel they would get us to the finish line in the smoothest possible way… they did. James checked in often with the status of our new construction documents and inspections that were needed to close within our rate lock window and our goal closing date, as well as with the birth of our first child. We are extremely happy with our decision to go with him and his team and will recommend James to anyone and everyone we know looking for a mortgage. Thanks for making the loan process as stress free as can be!

Enthusiastic, attentive and skilled.
James was an excellent guide for our first home buying experience. He was always willing to take the time to explain to us the process... sometimes on multiple occasions. The interest rate he provided was definitely the best we found and he showed us several available loan packages to help us get the best situation for us. As we moved through the process, James was a vigilant shepherd and kept both us and the various others players focused. I would definitely recommend James for all your financing needs. ”

HIGHLY Recommend
We had less than 6 weeks until we needed to close on our house and had to find a mortgage lender. James helped us handle everything with time to spare AND he gave us the best rate compared to any other lender! He was very accommodating throughout the process and assured we made the right decisions as new homeowners. I can't say enough about his communication, consistency, and professionalism. I highly recommend him!
 
Made the mortgage process so easy!
As first time home buyers, everyone warned us about the mortgage process. Not with James! He made it so simple to understand and easy to follow the steps. Because of this, we were cleared to close 2 weeks early. His friendly nature even made the process feel a bit fun - something I would have thought impossible. If you're looking for someone trustworthy, personable and professional, look no further.
 
Very helpful
James was amazing! He was very professional and attentive. Always got right back to me with any questions I had. Would absolutely work with James again.
 
James, we can’t thank you enough for all of your help
Being first time home buyers we had endless questions and concerns about how to even begin the process. We sat down with James before we even started looking for our home, and asked every question in the book, and James walked us through the mortgage process and not only assured us but helped us understand every step as we took it in the process. As first time homebuyers, he took a lot of the stress out of the financial part of it. We hit several bumps in our road to homeownership (like most so) and James provided us personal, professional support the whole way, and even after his responsibilities were fulfilled offered help and support. We felt like we could reach out at any time and get the answers we needed very timely. James is always quick to respond, happy to answer any questions, and works hard to make sure your mortgage is not going to keep you from closing on time! James, we can’t thank you enough for all of your help James!

The one guy who shows up on time, every time - PREPARED
James was 100% in our corner from start to finish. There were many balls dropped by other parties during the process, as happens with any real estate transaction. James, however, was on every detail, every moment of every day during the entire process. Responsive to texts, always had time for us, no questions were unworthy of his time. I really don't know if this purchase would have happened without him. Thank you James for all that you do. You made the buying of our home a happily memorable experience!

Extremely professional
James was extremely professional, responsive to all questions and concerns and he was extremely aggressive in the process meaning he went out of his way to work with all the other parties he needed to to get the deal done and took lots stress off my shoulders. I would definitely recommend him to anyone looking for a lender. Keep up the great work James!
 
James - NSB: Professional, approachable & Quick responses!
James is a very knowledgeable & polite person who helped me in every possible way as a first-time buyer without a broker. He gives guidance, expedites & follows up in every step. He was always accessible with just a text message, shares all the various options with me. James is very clear & quick in his response, also he gives heads up whenever needed which I liked the most while working with him. He also gives some small financial and money management tips too. He is a wonderful person to work with, Will recommend him to anyone who needs a professional & hassle free person to rely on. Thank you James for all your support!
TRULY AMAZING!
So I did this thing and bounced back and forth about moving for years. Originally early on I reached out to James to help with a mortgage. The remarkable thing is over the years he never forgot about me continually reaching out to see if I was in a good place or needed anything. When the time finally came to move James was there to help me. He made it easy , enjoyable, I got a great rate and I get to support a local business. I highly recommend his service if you are the search for a new home or a refinance.
 
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.
 
Fantastic!!!
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!