Non-QM Loans in Hartford, CT
Find lenders offering non-qm loans in the Hartford, including West Hartford, New Britain, East Hartford, and surrounding areas. Compare rates, terms, and programs from 33 lenders.
Which Non-QM lenders serve Hartford?
33 lenders offering non-qm loans in the Hartford, CT area.
Planet Home Lending
LocalMeriden, CT
National wholesale and correspondent lender offering DSCR investor loans. Broad product menu including conventional, government, and non-QM programs.
Luxury Mortgage Corp
LocalStamford, CT
Wholesale and correspondent lender with DSCR investor programs. Known for jumbo non-QM and specialty products including foreign national and asset-based loans.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Athas Capital Group
CA
Wholesale non-QM lender offering bank statement, DSCR, asset qualifier, and foreign national programs.
Carrington Mortgage Services
Anaheim, CA
Non-QM specialist accepting credit scores as low as 500-550. Programs for borrowers with recent bankruptcy, foreclosure, or non-traditional income. Government and conventional loans too.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
New American Funding
Tustin, CA
Large national lender offering non-QM programs including bank statement loans, asset-based loans, and jumbo non-QM. Max loan $2.5M. Also offers conventional and government loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
Rocket Mortgage
Detroit, MI
Nation's largest online home lender. Offers some non-QM products alongside conventional, FHA, VA, and jumbo loans. Fully digital application process.
Sprout Mortgage
New York, NY
Non-QM wholesale lender. Bank statement, asset depletion, foreign national, and investor programs.
Truss Financial Group
CA
Tailored DSCR and non-QM mortgage solutions. 30-year fixed DSCR loans from $100K to $3M. Also offers 'no ratio' loans.
What does the Hartford commercial real estate market look like?
Hartford is the historic insurance capital of the United States, with companies like The Hartford, Aetna (now part of CVS Health), and Travelers maintaining significant operations in the metro. The downtown core along Main Street and Asylum Street has experienced elevated office vacancy as insurers consolidated and adopted hybrid work models, creating opportunities for adaptive reuse investors. West Hartford Center has become the metro's premier retail and dining destination, commanding top rents in the region. The I-91 corridor and the Bradley International Airport area in Windsor Locks support industrial and logistics tenancy, including Pratt & Whitney's jet engine manufacturing operations.
Key Economic Drivers
- ●Insurance industry headquarters and operations (The Hartford, Travelers, Lincoln Financial)
- ●Pratt & Whitney (RTX Corporation) jet engine manufacturing and engineering in East Hartford
- ●Hartford HealthCare and Trinity Health Of New England hospital systems
- ●University of Connecticut and its Hartford campus expansion in the downtown core
Market Insight
Connecticut's judicial foreclosure process averages 18 to 36 months, which is among the longest in the nation, and CRE lenders active in the Hartford market must factor this extended timeline into their risk modeling and distressed asset recovery assumptions.
How do non-qm loans work in Hartford, Connecticut?
Non-Qualified Mortgage (Non-QM) loans are for borrowers who don't meet conventional lending criteria — self-employed, irregular income, recent credit events, or foreign nationals. They use alternative documentation like bank statements, asset depletion, or property cash flow to qualify. In the Hartford metro area, borrowers can access 33 lenders offering Non-QM financing, including West Hartford, New Britain, East Hartford, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 6.5% - 10%.
Who should consider non-qm loans?
- Self-employed borrowers
- Bank statement borrowers
- Foreign nationals
- Recent credit events (bankruptcy, foreclosure)
What are the key requirements?
- Alternative income documentation
- Down payment 10-25%
- Property appraisal
- Minimum credit score varies (580-680)
Advantages
- ✓Alternative income documentation
- ✓Flexible credit requirements
- ✓Available soon after credit events
- ✓Interest-only options
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Limited lender options
- •May require reserves
Non-QM Loans in Hartford FAQ
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