As a direct lender serving all of Connecticut, we make our own lending decisions — delivering faster Non-QM approvals for self-employed borrowers, real estate investors, and complex income scenarios. We also tap the best pricing from a network of top lenders to ensure every borrower gets the right loan at the right rate.
From Fairfield County to Hartford, Greenwich to Stamford — we serve CT borrowers who need flexible, creative mortgage solutions beyond conventional guidelines.
Conventional, FHA, VA, and jumbo loans with competitive rates for Connecticut buyers at every stage of life.
Lower your rate, shorten your term, or access home equity through a clear, streamlined Connecticut refinance process.
Get pre-approved fast so you can shop with confidence and make strong offers in Connecticut's competitive housing market.
Finance your next Connecticut rental, fix-and-flip, or multi-family with loan options tailored to CT investors.
Connecticut's flexible non-qualified mortgage solution for self-employed borrowers, bank statement income, recent credit events, or complex income scenarios outside conventional guidelines.
Qualify on your CT rental property's cash flow — not personal income. Ideal for Connecticut investors scaling their portfolio with fewer documentation requirements.
Tap your Connecticut home equity with a fixed second mortgage — no cash-out refi needed. A smart, cost-effective alternative in today's rate environment.
Answers to the most common questions about Non-QM mortgages in CT.
A Non-QM (non-qualified mortgage) is a home loan that doesn't meet standard Fannie Mae or Freddie Mac guidelines. In Connecticut, Non-QM loans are ideal for self-employed borrowers, real estate investors, those with recent credit events, or anyone with complex income that's hard to document traditionally.
Connecticut borrowers who are self-employed, use bank statement income, have had a recent bankruptcy or foreclosure, are foreign nationals, or own multiple investment properties often benefit most from Non-QM loans. If a conventional loan said no, Non-QM may say yes.
A DSCR (Debt Service Coverage Ratio) loan lets CT real estate investors qualify based on the rental income of the property — not their personal tax returns. If the property generates enough cash flow to cover the mortgage, you can qualify. Perfect for scaling a Connecticut investment portfolio.
We serve all of Connecticut including Fairfield County, Hartford, New Haven, Greenwich, Stamford, Bridgeport, Westport, Darien, New Canaan, Norwalk, Danbury, Waterbury, and surrounding areas.
As a direct lender, we make our own credit decisions — which means faster approvals than traditional banks. Most Connecticut Non-QM borrowers receive a decision significantly faster than through conventional channels.
If a traditional bank or conventional lender has turned you down, you're likely a perfect fit for our Non-QM, DSCR, or specialty loan programs.
Business owners and freelancers whose tax returns don't reflect their true earning power. We qualify using bank statements, P&L statements, or asset depletion — not just W-2s.
CT investors with multiple properties who've maxed out conventional loan limits. Our DSCR loans qualify on property cash flow so your personal income doesn't hold back your portfolio growth.
Borrowers with strong cash flow who write off significant business expenses. We use 12–24 months of bank statements to document income rather than tax returns.
Borrowers who've experienced a bankruptcy, foreclosure, or short sale and are ready to get back into the market. Non-QM programs have shorter waiting periods than conventional loans.
International buyers purchasing Connecticut property without U.S. credit history or income documentation. We offer specialized programs for non-resident and foreign national borrowers.
High-net-worth individuals with significant assets but limited monthly income on paper. Our asset depletion programs let you qualify using investment accounts, retirement funds, or liquid assets.
Connecticut homeowners who want to tap equity without disturbing a low-rate first mortgage. Our Closed End Second programs let you access cash without refinancing your entire loan.
Borrowers with a debt-to-income ratio above conventional limits. Non-QM programs offer more flexibility on DTI thresholds, especially when compensating factors like assets or equity are strong.
Our commitment is simple — finding the best mortgage solution for every borrower. Create your account in minutes and let us go to work for you.
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