About 177,765 people work for themselves across the Connecticut counties in our data, and lenders reported 825 first mortgages there in 2024 with interest-only, balloon or other features that fall outside the Qualified Mortgage rules. This page covers the Connecticut rules self-employed and non-QM borrowers ask about, every program by state, and local pages for 43 cities and towns.
Self-employed or outside the box in Connecticut?
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Connecticut rules and records to know
- Mortgage licensing: Connecticut Department of Banking, Consumer Credit Division
- Business entity records: Connecticut Secretary of the State
- CPA licensing: Connecticut Department of Consumer Protection
- Professional license lookup: Connecticut Department of Consumer Protection eLicense
- Condo buyers: Connecticut condominiums fall under one of three laws depending on when the complex was created: the Unit Ownership Act, the Condominium Act, or the Common Interest Ownership Act. A seller must give the buyer the declaration, association bylaws, rules and regulations, and resale documents, which include the common charges and the association's reserve for capital expenditures.
- 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.
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Prefer to talk first? Call (888) 508-8976. 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.
Non-QM programs in Connecticut
- Bank Statement Loans in Connecticut
- Non-QM Loans in Connecticut
- Self-Employed Mortgages in Connecticut
- 1099 Mortgage Loans in Connecticut
- P&L Loans in Connecticut
- Asset Depletion Mortgages in Connecticut
- No-Doc & Stated Income Mortgages in Connecticut
- Self-Employed Less Than 2 Years in Connecticut
- ITIN Mortgage Loans in Connecticut
- Foreign National Mortgages in Connecticut
- Non-Warrantable Condo Loans in Connecticut
- Bank Statement HELOCs & Home Equity Loans in Connecticut
- Interest-Only Mortgages in Connecticut
Larger Connecticut cities
- Bridgeport · non-QM
- Hartford · non-QM
- New Haven · non-QM
- Norwich · non-QM
- Waterbury · non-QM
- Danbury · non-QM
- Stamford · non-QM
- Norwalk · non-QM
- New Britain · non-QM
- Bristol · non-QM
- Meriden · non-QM
- West Haven · non-QM
- Milford · non-QM
- Milford city · non-QM
- Middletown · non-QM
- Shelton · non-QM
- Torrington · non-QM
- Naugatuck · non-QM
- New London · non-QM
- Ansonia · non-QM
- Wallingford Center · non-QM
- Willimantic · non-QM
- Storrs · non-QM
- Derby · non-QM
- Conning Towers Nautilus Park · non-QM
- Jewett City · non-QM
- Oakville · non-QM
- Thompsonville · non-QM
- Riverside · non-QM
- Kensington · non-QM
- Glastonbury Center · non-QM
- Southwood Acres · non-QM
- Winsted · non-QM
- Rockville · non-QM
- Cos Cob · non-QM
- Old Greenwich · non-QM
- Branford Center · non-QM
- Simsbury Center · non-QM
- Cheshire Village · non-QM
- Sherwood Manor · non-QM
- 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/sots/business-services/v5-site-navigation/business-services-searches
- http://www.concord-sots.ct.gov/CONCORD/online?sn=PublicInquiry&eid=9740
- https://portal.ct.gov/dcp/occupational-and-professional-division/occupational--profess/certified-public-accountants
- https://portal.ct.gov/dcp/licensing/verify-a-license---instructions
- https://www.elicense.ct.gov/Lookup/LicenseLookup.aspx