Melissa Hayes brings over 24 years of mortgage industry experience, combining deep expertise with a client-first approach. As the founder of CT Liberty Mortgage—a proudly woman-owned business—and a past president of the Connecticut Mortgage Broker Association, she has been a driving force in shaping ethical lending practices and advocating for consumer protections at both the state and national levels. Melissa teaches continuing education courses for real estate professionals and has authored o
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CT Liberty Mortgage is excellent! I highly recommend! I have worked with CT Liberty Mortgage twice. Working with Melissa was a pleasure from start to finish. She was knowledgeable, professional and always had my best interests in mind. She answered my (many) questions patiently and was always responsive. The entire process was smooth and stress free. I couldn't be happier with the service I received and would highly recommend CT Liberty Mortgage to anyone looking.
We cannot say enough good things about Cara and CT Liberty Mortgage! From start to finish, she was incredibly knowledgeable and made the entire mortgage process feel seamless and stress-free. Cara has such a calming presence, which made a huge difference during what can be an overwhelming experience. She was always available—truly working around the clock—and answered every question with patience and clarity. Thanks to her efficiency and dedication, we closed in under 30 days, which felt almost unbelievable. She is extremely knowledgeable in all aspects. I felt fully supported and confident every step of the way. If you’re looking for someone who is responsive, trustworthy, and exceptional at what she does, I cannot recommend Cara highly enough. Thank you for making our dream a reality!!!!
We thoroughly enjoyed working with Cara on our home loan for our first home purchase! The entire experience was smooth and pain-less due to Cara's professionalism and responsiveness. Cara took time to explain and walk us through many things during the process that we being first time home buyers were not aware of, ensuring that we fully comprehended our options, ultimately allowing us to feel very confident with our decisions moving forward. We highly recommend CT Liberty Mortgage and extend the warmest regards to the entire team for the tremendous support during this process. We can go on and on but simply put, they are the GREATEST! We hope to be able to work with the team in the future and wish them all the best!
We highly recommend CT Liberty Mortgage because of their personal, non-corporate, relational approach to providing services. We bought a home in the Hartford, CT area and utilized Melissa Hayes not only as a mortgage broker (finding the best rate and loan type for our circumstances) but a resource for understanding the housing market, types of loans (conditions, affordability, and benefits), and new to the area information such as schools, recreation (hiking/biking), and general understanding of surrounding wildlife. Having a broker that is open to providing resources for families that are moving to a new area was important to us and that is why I sought out CT Liberty Mortgage's services...They have an educational-experience/expert-based podcast that provides help with understanding the financial markets and housing worlds. They are also a women owned and women operated business.
I am a first time homeowner, and just refinanced my home. I worked with Cara for the initial purchase as well as the refinance and she is beyond easy and wonderful to work with. Cara has gone out of her way for me multiple times, and answered every single question I have had, thoroughly and promptly. I will absolutely work with Cara again and recommend others to her as well. Thank you, Cara!