Connecticut's
Hometown Lender
When you call MAPL, an experienced executive answers, not a call center. 35 years of executive management experience, more than 30 years calling Connecticut home, and purchase and refinance options on every loan type.
- Direct lender
- Every loan type
- NMLS #2810066
We know the rate you get
makes a real difference.
Even a small difference in rate changes your monthly payment and what you pay over the life of your loan. That's why we work hard to get you a competitive rate and terms that fit your situation, and we're upfront about the numbers every step of the way.
- 01We compare your options
We look across the loan types and programs you qualify for to find a competitive rate and terms for your goals, not just the first option available.
- 02We explain the tradeoffs
Rate, points, and closing costs work together. We walk you through how each choice affects your payment and upfront cost, so you can decide what's right for your budget.
- 03You see it in writing
After you apply, you'll receive an official Loan Estimate showing your rate, APR, and costs, so you can review it carefully and compare it with other offers.
Rates, APR and terms are not guaranteed and depend on factors including credit, loan amount, loan-to-value, property type, occupancy and market conditions. All loans are subject to credit approval, underwriting and property eligibility. MAPL Home Loans NMLS #2810066. Equal Housing Opportunity.
Experience You Can Trust,
From Your Neighbors
A mortgage is one of the biggest financial decisions you'll make. You should have experienced, local people on your side, and be able to reach them.
35 Years of Executive Management
Our leadership brings 35 years of executive management experience to every loan, so you get clear, expert guidance on rates, structure, and the tradeoffs that matter.
Connecticut Roots
We've lived in Connecticut for more than 30 years. We know its towns, its housing market, and the families who call it home.
Executives Answer the Phone
No call centers and no hand-offs. When you call, you talk to an experienced executive who can answer your questions and move your loan forward.
Licensed & Accountable
MAPL Home Loans is licensed under NMLS #2810066. You can verify our license anytime at NMLS Consumer Access.
Every Loan Type, Purchase & Refinance
Serving All of Connecticut
From your first home to your next investment, and from Fairfield County to Hartford, we offer purchase and refinance options on every loan type we carry.
First-Time Home Buyers CT
Buying your first Connecticut home? We walk you through every step, from pre-approval to closing, and help you compare FHA, conventional, and other options that fit your budget.
Purchase Loans CT
Conventional, FHA, VA, jumbo, Non-QM, and DSCR purchase loans with competitive rates for Connecticut buyers at every stage of life.
Refinancing CT
Lower your rate, shorten your term, or take cash out. We offer refinance options on every loan type: Conventional, FHA, VA, jumbo, Non-QM, and DSCR.
2nd Liens CT
Tap your home equity with a fixed second mortgage (a closed-end second) and keep your existing first mortgage and its rate in place, with no cash-out refinance needed.
HELOCs CT
A home equity line of credit for Connecticut homeowners. Draw funds as you need them for renovations, investments, or other goals while keeping your existing first mortgage in place.
Pre-Approval CT
Get pre-approved fast so you can shop with confidence and make strong offers in Connecticut's competitive housing market.
Investment Property CT
Finance your next Connecticut rental, fix-and-flip, or multi-family with loan options tailored to CT investors.
Non-QM Loans Connecticut
Connecticut's flexible non-qualified mortgage solution for self-employed borrowers, bank statement income, recent credit events, or complex income scenarios outside conventional guidelines.
DSCR Loans Connecticut
Qualify on your CT rental property's cash flow, not personal income. Ideal for Connecticut investors scaling their portfolio with fewer documentation requirements.
From first question
to closing day
A clear process, with a real person to call at every step.
- 01
Get matched or apply
Take the 60-second loan match (no credit pull), try our calculators, or start your application online. Rather talk first? Chat with us or book a time.
- 02
Talk it through
An experienced lender reviews your situation, explains your options, and answers your questions in plain language.
- 03
Review your Loan Estimate
After you apply, you'll receive a Loan Estimate showing your rate, APR, and costs, so you can decide with clear numbers in hand.
- 04
Underwriting & appraisal
We gather your documents, order the appraisal, and keep you updated as your loan moves toward approval.
- 05
Close
You'll get your Closing Disclosure at least three business days before closing to review final terms. Then sign, and get your keys or your funds.
Connecticut Mortgage Questions
— FAQ
Answers to the most common questions from Connecticut home buyers, homeowners, and investors.
Do you work with first-time home buyers in Connecticut?
Yes. We help first-time buyers across Connecticut understand their options, get pre-approved, and close with confidence. We'll compare FHA, conventional, and other programs to find the right fit for your budget.
Can I purchase or refinance with any loan type?
Yes. We offer both purchase and refinance options on every loan type we carry, including Conventional, FHA, VA, jumbo, Non-QM, and DSCR loans.
What is a 2nd lien mortgage?
A 2nd lien (also called a closed-end second) is a fixed second mortgage that lets you borrow against your home equity while keeping your existing first mortgage and its rate in place. It's often a smart alternative to a cash-out refinance.
Who will I talk to when I call?
An experienced executive, not a call center. MAPL is led by executives with 35 years of executive management experience who have lived in Connecticut for more than 30 years.
What is a Non-QM loan in Connecticut?
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.
Who qualifies for a Non-QM mortgage in CT?
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.
What is a DSCR loan and how does it work in Connecticut?
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.
What areas of Connecticut do you serve?
We serve all of Connecticut including Fairfield County, Hartford, New Haven, Greenwich, Stamford, Bridgeport, Westport, Darien, New Canaan, Norwalk, Danbury, Waterbury, and surrounding areas.
How fast can I get approved for a Non-QM loan in CT?
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.
Connecticut Borrowers
We Help Every Day
From first-time buyers to seasoned investors, and borrowers a traditional bank turned down, we find the right loan for every situation.
First-Time Home Buyers
Buying your first home is a big step. We explain every option in plain language, help you get pre-approved, and stay with you through closing.
Move-Up Buyers
Growing family or ready for a change? We help Connecticut homeowners finance their next home, including timing the sale of their current one.
Homeowners Refinancing
Lower your payment, shorten your term, or take cash out. We'll show you whether a refinance or a 2nd lien makes more sense for your situation.
Self-Employed Borrowers
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.
Real Estate Investors
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.
Bank Statement Borrowers
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.
Recent Credit Event Borrowers
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.
Foreign Nationals
International buyers purchasing Connecticut property without U.S. credit history or income documentation. We offer specialized programs for non-resident and foreign national borrowers.
Asset-Rich 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.
Home Equity Borrowers
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.
High DTI Borrowers
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.
Home loans across
all eight Connecticut counties
From the Gold Coast to the Quiet Corner, we help Connecticut buyers, homeowners, and investors in every town in the state.
Fairfield County
Greenwich, Stamford, Norwalk, Westport, Darien, Fairfield, Bridgeport, Danbury
New Haven County
New Haven, Milford, Guilford, Madison, Hamden, Cheshire, Waterbury
Hartford County
Hartford, West Hartford, Glastonbury, Farmington, Simsbury, Avon, Manchester
New London County
New London, Groton, Mystic, Stonington, Old Lyme, Norwich
Middlesex County
Middletown, Old Saybrook, Essex, Clinton, Chester
Litchfield County
Litchfield, Torrington, Washington, Kent, Salisbury, New Milford
Tolland County
Vernon, Tolland, Mansfield, Coventry, Ellington
Windham County
Windham, Putnam, Killingly, Woodstock, Thompson
Work With Connecticut's
Hometown Lender
Our commitment is simple: experienced, trustworthy guidance and the right mortgage solution for your situation. Create your account in minutes and let us go to work for you.
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Start your application today and let us find the right loan for you.
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