Mortgage Loan Originators

For more information or to speak with a mortgage expert from our Residential Lending Department, please use the contact information below.

Dan Espinal is the Mortgage Sales Manager at First County Bank, with over 10 years of experience as a top-producing residential lender. He takes pride in supporting his clients with all their mortgage needs, from helping them achieve their dream of becoming homeowners to assisting them with growing their real estate portfolio. As a former realtor, Dan understands the importance of quick lending approvals to keep his clients competitive in a fast-paced market.

  • Focused on assisting all homebuyers, including first-time home buyers, refinance borrowers, luxury home purchases, and construction to permanent lending
  • Dedicated to providing personalized lending solutions aligning with customers’ needs.
  • Engaged in fostering new business opportunities
  • Committed to building strong customer relationships
  • Over 10 years of residential lending experience


  • Residential Lending
  • First Time Homebuyer
  • Construction to Permanent Lending
  • Refinance Lending


  • Northern Fairfield County Association of Realtors
  • New Milford Board of Realtors
  • National Mortgage Bankers Association


  • New Milford Youth Agency
  • New Milford Historical Society
  • New Milford Lions Club


  • Grand Canyon University


Dan lives in New Milford with his wife and two sons, Noah and Joshua. He enjoys spending time with this family and is an active member of his community, volunteering with the New Milford Public Schools and New Milford Lions Club. Dan is also fluent in Spanish and Portuguese.

Maria Alves is a Mortgage Loan Officer at First County Bank, with over 20 years of residential lending experience. As Maria has had her real estate license for over 15 years, it provides her with a strong understanding of both sides of the real estate purchasing process. She specializes in assisting her clients throughout all phases of purchasing or refinancing a property. Maria has worked extensively with fellow realtors, attorneys, developers, builders and other financial professionals throughout Connecticut.

  • Dedicated to helping all homebuyers including first time home buyers, refinance borrowers, luxury home purchases and construction permanent lending
  • Committed to fostering relationships and providing customers with relevant industry referrals
  • Focused on cultivating new business development
  • Over 20 years of residential lending experience


  • Residential Lending
  • First Time Homebuyer
  • Construction – permanent lending
  • Refinance Lending


  • Stamford Board of Realtors


  • Piedmont Club


  • Gibbs College – Business Administration


Maria lives in Norwalk with her husband, two amazing sons, and her dog Bronx. She enjoys spending time with her family and friends, and volunteers with her boys at local animal shelters whenever she can.

Justyna Nurczyk

Assistant Vice President
Mortgage Loan Originator

Justyna Nurczyk is an Assistant Vice President and Mortgage Loan Originator with First County Bank, who has over 15 years of experience with all aspects of mortgage origination. She originates mortgage loans and works closely with real estate, financial and building professionals throughout Connecticut. Justyna helps guide borrowers through the loan process and recommends the best solutions for each customer.

  • Provides consultative mortgage lending services customized for each customer’s need
  • Focuses on helping all homebuyers including first time home buyers, refinance borrowers and construction permanent lending
  • Establishes and cultivates relationships with community, industry and professional contacts
  • Committed to helping consumers and businesses select the best solutions for their banking and financial services needs


  • Mortgage Loan Origination
  • Home Equity Lending
  • Relationship Management


  • Polish Saturday School


  • First County Bank Star Employee Award


  • Sacred Heart University, Fairfield, CT, Bachelor Degree in Accounting
  • Norwalk Community College, Norwalk, CT, Associates Degree in Accounting
  • University of Bialystok, Poland, Associates Degree in Economy


Justyna lives in Wilton. She is active in the Polish community and enjoys spending time with her family.

Jason Walker is a Mortgage Loan Originator at First County Bank, with over 6 years of residential lending experience. With a strong background in related fields of finance and sales, Jason thrives in making the process of obtaining a mortgage enjoyable while assisting his borrowers to purchase a new home or refinance. Jason has a network of realtors, attorneys, builders and financial professionals who he provides as great referral sources for his customers.

  • Committed to assisting first-time homebuyers, refinance borrowers, and construction-permanent lending customers with customized lending solutions
  • Dedicated to developing customer relationships and being a resource for industry-relevant referrals
  • Seeks new business development opportunities


  • Residential Lending
  • First Time Homebuyer
  • Construction – Permanent Lending
  • Refinance Lending

Jason resides in New Fairfield, CT, with his wife, three children, and fur baby Shadow, a Pitbull, Boxer, and Shepherd mixed-breed dog. He enjoys spending time with his family, going fishing, and being an avid sports spectator.

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