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Our full array of financing solutions is designed to fit whatever financing needs you may have.  We offer competitive rates, flexible repayment terms, and fast approvals.

Please note thatFairfield County Bank and Ridgefield Bank, a division of Fairfield County Bank, offer financing on properties located throughout Connecticut and Northern Westchester County, New York.

Auto Loans                     Apply Online
Let us help you finance the car of your dreams! For the new or used car you're thinking of buying, choose from a variety of financing plans offering easy, affordable repayment options. You can even be pre-approved so you can shop with cash-in-hand bargaining power.

Personal Loans              Apply Online
We have a personal loan program to fit your unique needs, whether you wish to consolidate your debts, pay taxes, plan a wedding or purchase a new computer.

Classic Lines of Credit
Save money while maximizing your borrowing power. This unsecured line of credit offers a lower interest rate and higher line limit than most credit cards, so you can to meet a variety of financial needs. You will receive a set of customized checks giving you immediate access to your credit line.

Watershed Improvement Loans
This special low-cost program is designed for property owners who live in a watershed area and wish to make improvements that will benefit both their property and the environment. Certain restrictions apply. 

Collateral Loans
At Fairfield County Bank, you can borrow against your Passbook Savings account, Money Market Account and Certificates of Deposit and continue to earn interest while having use of your funds. You can also borrow against your stocks and bonds.

Overdraft Protection
With an Overdraft Protection revolving line of credit, you can automatically protect your checking account against costly overdraft errors.

Educational Lines of Credit
We can help you cover the cost of financing your child's education, from pre-school to graduate school, with our Educational Lines of Credit.

For more information about our Consumer Loan programs, call us at (203) 431-7550 or toll-free at 1-800-776-6518.  Or send us an e-mail.

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It is an excellent place to have a message from the President, provide your mission statement or to state your goals and objectives. See us about further personalizing this page by inserting photos of your mortgage professionals. Since 1985, 1st Virtual Mortgage has been providing financing options for the mortgage industry. We specialize in helping owners find the best rate available.

 We can arrange your financing needs in FHA, Fannie Mae, tax-exempt/low-income housing tax credit, conventional or nontraditional financing. Our approach is to fully support you to the best of our ability.

 Our staff of mortgage lending professionals will be able to answer all of your lending questions and stand ready to serve you. At 1st Virtual Mortgage we offer BIG company resources with SMALL company attitude!
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