What to Consider When Choosing the Best Mortgage Lenders in Connecticut

Not every lender approaches a Connecticut purchase the same way, and the right fit matters more than the lowest advertised rate alone. As you compare mortgage companies in CT, keep these questions in mind:

  • Does the lender charge origination or lender fees that aren’t clearly disclosed upfront?
  • What do past clients say about their experience, and how recent are those reviews?
  • Does the team understand Connecticut’s local towns, taxes and closing customs?
  • Can they offer more than one loan program, or are you limited to a single product?
  • Will someone actually pick up the phone when you have a question mid-process?
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Roger worked with me on an extremely complicated deal, and his knowledge, persistence and excellence helped to pull everythin…

Adam Merrill

My experience with Blue Water Mortgage was wonderful. As a first time home buyer, I had many questions and concerns. Laura pa…

Ali Quinton

Laura was great to work with! She took the time to answer all my questions, kept me updated on the process, and helped to mak…

Amanda Hardman

We have worked with Blue Water Mortgage group several times over the years, they helped with our home purchase, sale and refi…

Angie Hoxie

We had a fantastic experience with Blue Water Mortgage. We were referred to them by two of our friends, we would definitely r…

Ashley Acksel

My wife and I just completed a closing with Blue Water and our experience was phenomenal. We had a very quick turnaround from…

Dan McKallagat

Hiccups are always to be expected with an FHA and a first time home buyer. I would recommend the organization and effort with…

Daniel Vermeersch

Blue Water Mortgage was recommended to us by our realtor and we are so glad she did! This is our third time buying a home and…

Diane Oxton

My husband and I recently went through Blue Water Mortgage as first time home buyers with the assistance of Derek and Jay, wh…

Erin Patnode

I have worked with at least a dozen loan officers at different mortgage companies over the past several decades and Lee is by…

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We were referred to BlueWater Mortgage through our bank, The Provident and it was a great experience. From the start our cont…

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Our Connecticut Loan Officers

Our Connecticut team pairs hands-on knowledge of the state’s towns and markets with years of lending experience, so you’re never left guessing what happens next.

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Loan Options for Connecticut Buyers
Fixed-Rate Mortgages
Your rate and payment stay locked in for the full term of the loan, which makes budgeting straightforward regardless of where rates move afterward.
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Refinancing
Replace your existing mortgage with a new one to pursue a lower rate, a shorter term or extra cash from your equity, depending on your goals.
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First-Time Home Buyer Loans
Buying your first home in Connecticut comes with a lot of new terminology. We break the process down step by step so nothing catches you off guard.
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Conventional Mortgages in NH
The most widely used loan type, following underwriting guidelines set by Fannie Mae and Freddie Mac rather than a government agency.
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Non-Conventional Loans
Built for borrowers who don't fit a conventional box, including self-employed buyers or those with a more complex credit history.
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Adjustable-Rate Mortgages (ARMs)
Start with a lower introductory rate that adjusts over time, which can lower your initial monthly payment in exchange for future rate variability.
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Why Blue Water Mortgage?
No Surprises
No Surprises
With over 150 years of collective experience, our mortgage brokers have seen it all. This level of expertise enables us to anticipate and quickly resolve any issues that might arise and close on time, every time.
Personalized Services
Personalized Services
Buying a home is one of the biggest purchases you’ll make in your entire life. That’s why our brokers are available via phone 24/7 to address any concerns or answer any questions you might have about the mortgage process.
Competitive Rates
Competitive Rates
Blue Water is locally owned, so we aren’t beholden to banks. That means we’re able to offer a more diverse portfolio of mortgage products tailored to your specific needs, as well as more competitive rates and lower closing costs.
Have Questions?
Whether you're buying your first home or your next investment property, this free eBook gives you answers to 105 of the most important mortgage questions.
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Have Questions?

Frequently Asked Questions

Are the mortgage requirements different for an investment property, or a property I might not be personally living in?

Yes; if the property won’t be your primary residence and has between one and four units, it’s classified as a non-owner-occupied mortgage. These loans come with stricter requirements since lenders view them as a higher default risk.

Are requirements unique for a jumbo loan?

Yes, a jumbo loan involves borrowing above the conforming limit, which means more risk for the lender. Expect to need a strong credit score, a low debt-to-income ratio and clear proof you can comfortably cover the payments.

Are there any advantages to buying a short sale home?

If you’re a buyer looking for a bargain, a short sale is an option worth considering since sellers typically want to get rid of the property and are more apt to make a deal. Just keep in mind that this may be a lengthy process, and there’s always the chance that the property can still go into foreclosure during that time.

Are there any loans that don’t require a down payment?

Certain government-backed programs, such as USDA and VA loans, are designed to reduce or eliminate upfront costs for eligible buyers. A loan officer can help you determine what you may qualify for.