This site covers 43 Connecticut cities and towns. Lenders originated 59,982 home loans across the Connecticut counties in our data in 2024. Below are the state rules borrowers ask about most, every loan type by state, and links to city pages.
Buying or refinancing in Connecticut?
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Connecticut mortgage rules to know
- Mortgage licensing: Connecticut Department of Banking, Consumer Credit Division
- State housing finance agency: Connecticut Housing Finance Authority (CHFA)
- Foreclosure process: Judicial: foreclosure in Connecticut goes through the Superior Court, either as a strict foreclosure (no auction; title passes after the court-set Law Day) or a foreclosure by sale (court-ordered auction).
- Recording taxes and fees: State real estate conveyance tax and municipal real estate conveyance tax on deeds, reported on Form OP-236 (Connecticut Real Estate Conveyance Tax Return), which is accepted by the town clerk and can be filed and paid online through e-REC. No separate state mortgage recording tax was identified.
- Property tax relief: Connecticut has no general statewide homestead exemption; elderly or totally disabled homeowners who live in their home can apply at their municipal Assessor's Office for the state Homeowners' Elderly/Disabled Circuit Breaker property tax credit.
- Strict foreclosure: Connecticut courts can transfer title to the lender without an auction once the court-set Law Day passes, unless the debt is paid or the court extends the date.
- The Connecticut Judicial Branch runs a Foreclosure Mediation Program in which a court mediator helps homeowners negotiate with the lender; the lender cannot obtain a final foreclosure judgment while the case is in mediation.
- CHFA offers renovation loan options and a Time To Own forgivable down payment assistance program alongside its standard first mortgage programs.
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Apply by phone: (888) 912-6746Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
Loan types in Connecticut
- Mortgage Lenders in Connecticut
- Mortgage Companies in Connecticut
- Mortgage Brokers in Connecticut
- Home Loans in Connecticut
- Mortgage Refinance in Connecticut
- Cash-Out Refinance in Connecticut
- HELOC in Connecticut
- Home Equity Loans in Connecticut
- FHA Loans in Connecticut
- VA Loans in Connecticut
- First-Time Home Buyer Loans in Connecticut
- USDA Loans in Connecticut
- Jumbo Loans in Connecticut
- Reverse Mortgage in Connecticut
- Construction Loans in Connecticut
- Renovation Loans in Connecticut
- Conventional Loans in Connecticut
- Physician Loans in Connecticut
- Second Mortgages in Connecticut
Larger Connecticut cities
- Bridgeport
- Hartford
- New Haven
- Norwich
- Waterbury
- Danbury
- Stamford
- Norwalk
- New Britain
- Bristol
- Meriden
- West Haven
- Milford
- Milford city
- Middletown
- Shelton
- Torrington
- Naugatuck
- New London
- Ansonia
- Wallingford Center
- Willimantic
- Storrs
- Derby
- Conning Towers Nautilus Park
- Jewett City
- Oakville
- Thompsonville
- Riverside
- Kensington
- Glastonbury Center
- Southwood Acres
- Winsted
- Rockville
- Cos Cob
- Old Greenwich
- Branford Center
- Simsbury Center
- Cheshire Village
- Sherwood Manor
Guide
- https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Mortgage-Lender-Licensing-Information
- https://portal.ct.gov/DOB/Consumer-Credit-Licenses/Consumer-Credit-Licenses/Mortgage-Loan-Originators-Licensed-in-Connecticut
- https://portal.ct.gov/DOB/Consumer-Credit-Licensing-Info/Consumer-Credit-Licensing-Information/Mortgage-Broker-Licensing-Information
- https://www.chfa.org/homebuyers/all-homebuyer-mortgage-programs
- https://portal.ct.gov/drs/legislative-summaries/2019-legislative-updates/real-estate-conveyance-tax-change
- https://portal.ct.gov/drs/publications/special-notices/2010/sn-2010-4-1?archived=true
- https://portal.ct.gov/-/media/doh/cfhcforeclosuremanual10thedpdf.pdf
- https://portal.ct.gov/OPM/IGPP/Grants/Tax-Relief-Grants/Homeowners--ElderlyDisabled-Circuit-Breaker-Tax-Relief-Program