Non-QM · Connecticut
Bank-statement loans for self-employed Connecticut borrowers.
Qualify on deposits instead of tax returns. 12- or 24-month statements, subject to underwriting.
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Talk to us about a bank-statement / Non-QM loan in Connecticut
Connecticut is home base. We work out of Ridgefield, so Fairfield County, the Danbury area, and the shoreline are neighborhoods we know street by street, and we work files statewide.
- Have 12–24 months of statements handy.
- Tell us the Connecticut town or price range.
- No rate, approval, or timing guarantees.
Licensed lender and broker. No rate, approval, or timeline guarantees.
Self-employed in Connecticut
Connecticut has a deep bench of self-employed borrowers: contractors and trades who keep 200-year-old houses standing, independent consultants commuting into New York, owners of small medical and dental practices, and real estate agents paid on commission. Tax returns are designed to keep taxable income low, which is exactly what can make a conventional mortgage hard to get. A bank-statement loan looks at deposits instead.
How a bank-statement loan works
- Pick the statement period. 12 or 24 months of personal or business statements, depending on which better reflects your income.
- Calculate qualifying income. Personal statements usually count eligible deposits. Business statements usually apply an expense factor or use a CPA or tax-preparer letter.
- Underwrite the rest of the file. Credit, down payment, reserves, and the property are reviewed like any other mortgage, subject to the investor’s guidelines.
- Fund it or shop it. In Connecticut, Forte Financial is a licensed direct lender: we can fund your loan in-house, or shop it with our investor network if another investor fits the file better.
Loan amounts on these programs can go up to about $3 million, subject to credit, assets, and the property. Primary homes, second homes, and investment properties may all be eligible.
Who it often fits in Connecticut
- Fairfield County consultants and 1099 professionals whose write-offs shrink taxable income
- Contractors, electricians, plumbers, and landscapers with seasonal deposit swings
- Small-practice owners in the Hartford and New Haven areas
- Commission-based agents and brokers
If your returns show a loss but your accounts show steady deposits, have the conversation before you assume the answer is no.
Connecticut details worth knowing
Connecticut property taxes vary widely town by town. Underwriting counts the full housing payment, taxes included, so the same purchase price can qualify differently in Greenwich than in Waterbury.
What to have ready
- 12–24 months of statements for every account you want counted
- Proof you have been self-employed long enough, often two years
- Down payment and reserve statements
- A property address or a target price range
Programs, guidelines, and availability change and are subject to credit, income, property, and underwriting approval. Nothing here is a rate quote, a commitment to lend, or a guaranteed timeline. Licensed Connecticut Mortgage Lender, Connecticut Banking Department, ML 1892568. Our office is at 96 Danbury Rd in Ridgefield.
Frequently asked questions
Can I use a bank-statement loan to buy in Fairfield County?
Yes, if the file fits. Higher price points in towns like Greenwich, Westport, and Ridgefield are a common reason self-employed buyers look at bank-statement programs. Loan amounts on these programs can reach about $3 million, subject to credit, assets, and the property.
How many months of bank statements do I need?
Most programs use 12 or 24 months of personal or business statements. Some allow a mix. Which one fits better depends on how steady your deposits have been.
Is a bank-statement loan more expensive than conventional?
Often, yes. Non-QM pricing is usually higher than agency pricing because of the different documentation. Call for today’s terms. We do not post rates that may be outdated.
Can I buy an investment property with a bank-statement loan?
Many programs allow primary homes, second homes, and investment properties. If the property is a rental, compare a DSCR loan too, which qualifies on rent instead of your income.
Are you a broker or a lender?
In Connecticut, Forte Financial is a licensed direct lender: we can fund your loan in-house, or shop it with our investor network if another investor fits the file better. Licensed Connecticut Mortgage Lender, Connecticut Banking Department, ML 1892568. Our office is at 96 Danbury Rd in Ridgefield.
Related pages
Also in Connecticut: DSCR investor loans in Connecticut · HELOCs in Connecticut
Bank-statement loans in other states we serve: New York · New Jersey · Massachusetts · Pennsylvania · Florida · South Carolina · North Carolina · Texas
Learn: Bank statement loan requirements for the self-employed · DSCR vs. bank-statement loans: which fits?
Bank-statement / Non-QM program overview → · All states and loan types →
Start with a call or the application.
Tell us about the Connecticut property and what you are trying to do. We will tell you honestly whether Bank-statement / Non-QM fits.