Mortgage Experts

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 homebuyers, 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

EXPERTISE:

• Residential Lending
• First-Time Homebuyers
• Construction to Permanent Lending
• Refinance Lending

PROFESSIONAL AFFILIATIONS:

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

COMMUNITY INVOLVEMENT:

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

EDUCATION:

• Grand Canyon University

PERSONAL:

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 homebuyers, refinance borrowers, luxury home purchases and construction to 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

EXPERTISE

• Residential Lending
• First-Time Homebuyer
• Construction to permanent lending
• Refinance Lending

PROFESSIONAL AFFILIATIONS

• Stamford Board of Realtors

COMMUNITY INVOLVEMENT

• Piedmont Club

EDUCATION

• Gibbs College – Business Administration

PERSONAL

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 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 homebuyers, refinance borrowers and construction to 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

EXPERTISE

• Mortgage Loan Origination
• Home Equity Lending
• Relationship Management

COMMUNITY INVOLVEMENT

• Polish Saturday School

HONORS & RECOGNITION

• First County Bank Star Employee Award

EDUCATION

• 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

PERSONAL

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

John Ciolino is a Mortgage Loan Officer at First County Bank, whose residential lending experience spans over 20 years. As a tenured Mortgage Loan officer, John is dedicated to making his clients’ goal of homeownership a reality. Whether his clients are looking to purchase a home for the first time, find their forever home, or build a house from the studs up, John delivers customized mortgage solutions to make their vision of home, happen.

• Committed to the lending needs of all homebuyers, including first-time homebuyers, refinance borrowers, luxury home purchases, and construction to permanent lending clients
• Dedicated to building strong client relationships
• Focuses on consultative mortgage lending solutions customized for his clients
• Assists clients select the best products and services to support their overall banking and financial needs
• Residential lending professional for over 20 years

Expertise:

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

Professional Affiliations:

• Stamford Board of Realtors

Education:

• Hartwick College – Bachelor’s Degree in Economics and Political Science.

Personal:

• John and his wife live in Redding, where he enjoys spending time with his family, playing golf, and being outdoors.