Connecticut Mortgage Services
Expert mortgage broker serving 50+ towns across 3 Connecticut counties. From Gold Coast luxury estates to Hartford suburbs — all loan programs available including FHA, VA, Jumbo, and 203(k) Renovation loans. Local expertise, competitive rates, and fast pre-approvals statewide.
Browse by County
Explore mortgage services across Connecticut's premier counties — from Gold Coast luxury to Hartford suburbs to coastal New Haven.
Fairfield County
25+ municipalities
Gold Coast luxury towns with NYC access, top schools, and waterfront estates. Greenwich, Darien, New Canaan.
Median Price Range: $450K - $5M+
Hartford County
20+ municipalities
State capital region with strong insurance industry, excellent schools, and suburban charm.
Median Price Range: $250K - $700K
New Haven County
15+ municipalities
Yale University town with cultural amenities, diverse housing, and coastal access.
Median Price Range: $225K - $800K
Popular Connecticut Markets
Explore mortgage services in Connecticut's most sought-after communities, from Gold Coast estates to Hartford suburbs to coastal towns.
Greenwich
Fairfield County
Median: $2.5M
Darien
Fairfield County
Median: $1.9M
New Canaan
Fairfield County
Median: $1.7M
Westport
Fairfield County
Median: $1.6M
Stamford
Fairfield County
Median: $650K
Norwalk
Fairfield County
Median: $575K
West Hartford
Hartford County
Median: $425K
Avon
Hartford County
Median: $475K
Simsbury
Hartford County
Median: $450K
Guilford
New Haven County
Median: $525K
Madison
New Haven County
Median: $600K
Cheshire
New Haven County
Median: $400K
All Loan Programs Available in Connecticut
From first-time homebuyers to luxury estate purchases, we offer 14 loan programs to match every budget and scenario across Connecticut.
Why Buy a Home in Connecticut?
Connecticut offers an exceptional combination of top-ranked schools, convenient NYC access, and diverse housing options that make it one of the most desirable places to live in the Northeast. Here's why homebuyers choose the Constitution State:
Elite Education
Connecticut consistently ranks among the top 3 states for education. Over 30 school districts rank in the top 5% nationally. Fairfield County's Darien, New Canaan, Westport, and Greenwich all rank in the top 100. Hartford County offers Avon, Simsbury, and West Hartford. New Haven County features Guilford and Madison. SAT scores and college acceptance rates exceed national averages significantly.
NYC Access
Work in Manhattan, live in Connecticut. Fairfield County offers 45-70 minute Metro-North commutes from Greenwich, Stamford, Darien, New Canaan, Norwalk, and Westport. Direct access to Grand Central Terminal with express service. Live in Connecticut's safer communities with excellent schools while enjoying Manhattan career opportunities. Many CT residents work in NYC but raise families in suburban comfort.
Tax Advantages
Connecticut offers NO state income tax on investment income (dividends, interest, capital gains). While property taxes exist, the overall tax burden is often lower than New York for high earners. Many NYC executives relocate to Fairfield County for significant tax savings while maintaining their Manhattan jobs. Greenwich, Darien, and New Canaan are popular for Wall Street professionals.
Lifestyle Quality
Exceptional quality of life throughout Connecticut. Fairfield County combines Gold Coast luxury with Long Island Sound waterfront. Hartford offers suburban comfort with insurance industry stability. New Haven provides Yale's cultural amenities and coastal access. Low crime rates, excellent healthcare, country clubs, marinas, hiking trails, and vibrant downtowns. Connecticut blends elegance, safety, and convenience.
Strong Appreciation
Fairfield County historically appreciates 3-5% annually, especially in top school districts like Darien, New Canaan, and Westport. Greenwich's Gold Coast sees even stronger appreciation (4-7% in waterfront areas). Hartford and New Haven suburbs offer 2-4% appreciation with lower entry prices. Connecticut real estate is a proven long-term investment with consistent demand from NYC commuters and corporate relocations.
Price Diversity
Connecticut offers housing for every budget. Hartford and New Haven provide starter homes from $225K-$400K. Mid-market buyers find options from $400K-$800K across all counties. Fairfield County offers luxury estates from $1.5M-$10M+ on the Gold Coast. Waterfront properties, horse farms, historic colonials, and modern construction all available. Every price point has excellent schools and amenities.
Connecticut Mortgage FAQs
What counties in Connecticut do you serve?
We serve 50+ municipalities across three counties: Fairfield County (25+ towns - Gold Coast NYC suburbs including Greenwich, Darien, New Canaan, Westport, Stamford), Hartford County (20+ towns - state capital region including West Hartford, Avon, Simsbury), and New Haven County (15+ towns - Yale University area including Guilford, Madison, Cheshire). Our coverage spans from luxury estates on the Gold Coast to affordable family homes in Hartford and New Haven.
What loan programs are available in Connecticut?
All 14 loan programs are available throughout Connecticut: Conventional (3% down), FHA (3.5% down), VA ($0 down for veterans), USDA ($0 down in eligible areas), Jumbo (for luxury properties), 203(k) Renovation, HomeReady, Home Possible, Refinance, HELOC, Reverse Mortgage, HomeFundIt, All In One, and HomeStyle Renovation loans.
What is the median home price in Connecticut?
Connecticut home prices vary significantly by county and town. Fairfield County ranges from $450K to $5M+ (Greenwich averages $2.5M, Darien $1.9M). Hartford County ranges from $250K to $700K (West Hartford averages $425K). New Haven County ranges from $225K to $800K (Madison averages $600K). We specialize in all price ranges with appropriate loan programs for each market tier.
How long does it take to commute from Fairfield County to NYC?
Fairfield County offers excellent NYC commutes via Metro-North Railroad. Towns like Greenwich and Stamford offer 45-55 minute express trains to Grand Central Terminal. Darien and New Canaan range from 55-65 minutes. Norwalk and Westport are 60-70 minutes. The Metro-North New Haven Line provides frequent service throughout the day, making Fairfield County ideal for Manhattan commuters seeking Connecticut's lower taxes and excellent schools.
What are the best school districts in Connecticut?
Connecticut has exceptional school districts across all regions. Fairfield County boasts Darien, New Canaan, Westport, Greenwich, and Ridgefield (all nationally ranked top 100). Hartford County features Avon, Simsbury, West Hartford, and Glastonbury. New Haven County offers Guilford, Madison, and Cheshire. Many Connecticut districts rank in the top 5% nationally for academics, with extremely high college acceptance rates and SAT scores.
Do I need a larger down payment for homes in Fairfield County?
No, Fairfield County follows the same down payment requirements as other areas. FHA loans require 3.5% down, Conventional loans as low as 3%, VA and USDA loans offer $0 down for eligible buyers. However, given Fairfield County's luxury market ($450K-$5M+), many buyers opt for 10-20% down to avoid PMI and secure better rates. We work with buyers at all price points from first-time buyers to Gold Coast estate purchases.
What are property taxes like in Connecticut?
Connecticut property taxes vary by municipality. Fairfield County ranges from 1.5% to 2.2% (Greenwich averages 1.75%, Stamford 2.0%). Hartford County averages 2.0-2.8% (West Hartford 2.5%). New Haven County ranges from 1.8-2.5%. While CT has property taxes, there is NO state income tax on investment income and lower overall tax burden than neighboring NY. We factor property taxes into your debt-to-income calculations during pre-approval.
Can you help with jumbo loans for luxury homes in Greenwich or Darien?
Absolutely! We specialize in jumbo mortgages for Connecticut's Gold Coast luxury markets. Fairfield County towns like Greenwich ($2.5M median), Darien ($1.9M), New Canaan ($1.7M), and Westport ($1.6M) frequently require jumbo loans exceeding the $766,550 conforming limit. Jumbo loans typically require 10-20% down, credit scores of 700+, and additional cash reserves, but offer competitive rates for well-qualified borrowers in Connecticut's premium markets.
How quickly can I get pre-approved for a Connecticut mortgage?
Most buyers receive pre-approval within 24-48 hours. We offer fast pre-approvals with competitive rates across all Connecticut markets. Our pre-approval process includes a thorough review of your credit, income, and assets to provide you with a strong offer when competing in Connecticut's competitive real estate markets, especially in Fairfield County where multiple offers are common in top school districts.
What makes Connecticut a good place to buy a home?
Connecticut offers exceptional quality of life: top-ranked school districts (30+ in the top 5% nationally), 45-70 minute NYC commutes via Metro-North from Fairfield County, NO state income tax on investment income, waterfront living on Long Island Sound, strong property appreciation (3-5% annually in top towns), cultural amenities, safe communities with low crime, and diverse housing from $225K starter homes to $10M+ waterfront estates. The state combines suburban safety with urban access and financial advantages.
Ready to Buy Your Connecticut Home?
Get pre-approved today and start your journey to homeownership in Fairfield, Hartford, or New Haven County. Expert guidance, competitive rates, and fast approvals across all 50+ towns.
Licensed mortgage broker serving Connecticut since 2010 • All loan programs available • Fast 24-48 hour pre-approvals