Mortgage Broker for Non-QM and Jumbo Loan in Connecticut
As an experienced mortgage broker, we help you get non-QM and jumbo loans in Connecticut with competitive rates, flexible guidelines, and fast approvals. Purchase a luxury home, second property, or investment using our expert mortgage guidance.
How Jumbo Loans Support Luxury Home Buyers in Connecticut?
Jumbo loans give buyers the flexibility and resources to secure high-value homes in Connecticut, including luxury estates, waterfront properties, and premium investments. At LendFriend Mortgage, we offer custom jumbo financing options according to diverse goals and financial situations.
Key Benefits for Luxury Home Buyers:
- Expertise in Jumbo Financing: We have successfully closed jumbo loans across Westport, Fairfield, and Greenwich, and we understand which lenders offer fast approvals and competitive pricing.
- More than 30-Year Fixed: Beyond conventional 30-year fixed loans, we offer adjustable-rate mortgages (ARMs) like 7/1 and 5/1 for buyers planning shorter-term ownership.
- Flexible Qualification Programs: Self-employed or retired borrowers can take advantage of bank statement loans and asset-depletion programs, which allow deposits or investments to count as income.
- Custom Loan Structures: Loan-to-value, terms, and reserve requirements are designed to secure the most competitive jumbo rates available.
- Fast Approvals: Our process enables many luxury home transactions in Westport, Fairfield, and Greenwich to close in 30 days or less.
Our Jumbo Loan Programs For Every Connecticut Borrower
With access to hundreds of mortgage investors, we help you get a jumbo loan in Connecticut for nearly every situation. If you are self-employed, earning 1099 income, or using assets to qualify, we offer solutions that make high-value homeownership possible, even when traditional lenders say no.
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Asset Depletion Mortgages
Use your bank accounts, investment portfolios, and retirement funds to qualify for a jumbo loan, designed for high-net-worth buyers looking to purchase luxury homes.
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Self-Employed Mortgages
Secure a jumbo loan without W2s or tax returns. Our self-employed mortgage options make financing high-value properties efficient for entrepreneurs and 1099 earners.
Crypto-Backed Mortgages
Buy a home using Bitcoin or Ethereum holdings without selling your tokens. Designed for crypto investors who want to qualify for a jumbo loan using digital assets.
RSU Mortgages
Use vested stock grants or RSUs to qualify for a jumbo mortgage. These programs are for tech employees and equity-compensated professionals seeking to buy a home beyond what their salary qualifies them for.
Buy Before You Sell
Move into your new Connecticut home before selling your current home. Get equity upfront and avoid contingent offers. Perfect for buyers managing transitions between homes.
How We Help You Qualify for a Jumbo Loan in Connecticut
At LendFriend, we make jumbo loan qualification clear, straightforward, and flexible.
Step 1: Clarify Income, Credit, and DTI
- Break down credit scores, documentation, and debt-to-income ratios
- Know exactly what lenders expect
Step 2. Map Your Qualification Path
- Outline steps for 30-year fixed or ARM jumbo loans
- Plan ahead without surprises
Step 3: Flexible Solutions for Non-Traditional Income
- Bank-statement mortgages for self-employed borrowers
- Asset-depletion loans using deposits or investment portfolios
Step 4: Align the Process for You
- Customize guidance for your financial profile and property type
- Align your jumbo loan with your homeownership goals
What We Do to Make Jumbo Financing Simple
At LendFriend Mortgage, we design jumbo mortgages to fit your goals, including Westport waterfront homes, Fairfield Greenfield Hill estates, and Greenwich backcountry properties. With options like 10%-down programs and specialty non-QM solutions, we guide you every step and make the process straightforward.
How we help you:
- Compare current jumbo mortgage rates to find the best fit
- Explain how jumbo loans differ from conventional mortgages
- Provide a clear path from application to closing
- Offer fast approvals, and many clients close in 30 days or less
Why Choose LendFriend?
At LendFriend Mortgage, jumbo loans are a core specialty. We connect borrowers with the right lender for their property, financial profile, and goals, with a fast, transparent process. Options include 30-year fixed, 7/1 ARM, and flexible non-QM solutions, making it simple to get approved and close quickly.
Available 7 Days a Week
Compare jumbo mortgage rates and review lender options for primary homes, second homes, or investment properties.
Wide Range of Loan Options
Conventional fixed rates, ARMs, bank-statement loans, and asset-depletion programs to meet your goals.
Fast Pre-Approval
Strengthen your offer with a quick online jumbo loan in Connecticut preapproval.
Competitive Rates
We shop multiple lenders to find the best jumbo loan rates without unnecessary points or charges.
Personalized Guidance
Work one-on-one with a jumbo mortgage expert to structure your file, navigate underwriting, and understand every step.
Close in less than 30 days
Our process ensures most jumbo loans in Connecticut close quickly, even on higher-priced properties.
What Our Jumbo Borrowers Say About LendFriend
5/5 Star Reviews on Google, Zillow, and Experience.
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LendFriend has been an outstanding lending partner, reliable, transparent, and incredibly easy to work with. Their team made the entire process smooth from start to finish, always available to answer questions and guide us through each step. I highly recommend LendFriend to anyone looking for a trustworthy and efficient lender.
Trung Nguyen
Closed July 2025 -
LendFriend made my homebuying experience so easy. As a business owner, I heard horror stories about how hard it can be for guys like me to get a mortgage. Thankfully I found LendFriend. Eric and the team had me approved in no time. My rate was great and they closed on time. Couldn’t ask for more
David Marino
Closed August 2025 -
I had been looking for a house for 2-3 years and while it was a journey as a business owner with a difficult financial situation this company did what 6 others could not. They got me a jumbo loan based off my business income and when I needed more they just made it happen twice. This process of funding can be extremely difficult and basically a blow to the ego but Eric and his team are literally magicians and my fiancee and I are now closed on out dream house. I recommend them whole heartedly
Shawn Tassone, MD, PhD
Closed April 2025 -
These guys are the best in the business. At the recommendation from a friend, we used LendFriend to help us purchase our home in Connecticut, and I could not be more satisfied with the level of service they provided. This was not our first home purchase, and the difference between obtaining the mortgage this time around and the last is no comparison. They helped come up with solutions to make purchasing our new home as easy as possible prior to completing the sale of our current, were available to answer all of our questions 24/7, and most importantly were able to close with an extremely quick timeline.
Russell B
Closed March 2025 -
I am so grateful for Micheal and his team at LendFriend. As a first time homebuyer with multiple businesses, I was very nervous about the loan process. Anyone who’s self employed knows loan processes for us are more extensive but LendFriend made it an ease. From getting a great rate to closing, they made clear communication and were extremely helpful in making sure I had everything I needed to ensure we got the final approval well in advance of closing date. They are truly amazing people to have on your team. Thank you Micheal, Morgan and Crystal for your encouraging words and optimism throughout this process.
Annie Momin
Closed September 2024
FAQs
What is the jumbo loan limit in Connecticut?
In Fairfield County, Connecticut, the 2025 conforming loan limit for a one-unit property is $851,000. All other counties in Connecticut have a conforming loan limit of $806,500. That means any mortgage above this amount is considered a jumbo loan.
Here’s the breakdown of the 2025 limits:
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One-unit property: $851,000
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Two-unit property: $1,089,450
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Three-unit property: $1,248,150
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Four-unit property: $1,551,250
Luxury homes, waterfront estates, and high-value properties in Westport, Fairfield, and Greenwich usually require jumbo financing.
How much can I borrow with a jumbo loan in Connecticut?
With the right qualifications, jumbo loan amounts in Connecticut can reach several million dollars. Your exact approval depends on factors like credit score, debt-to-income ratio, and cash reserves. Stronger profiles—such as higher credit, lower LTV, and more reserves—unlock the best jumbo mortgage rates and terms.
Do I need perfect credit to get a jumbo loan in Connecticut?
Not necessarily. If you want access to the lowest rates you'll want a credit score of 780+, but a credit score of 700+ often earns a competitive jumbo loan interest rates. Lower scores may still qualify with compensating factors like larger down payments or more reserves. LendFriend can help improve your credit to secure the best jumbo loan rates.
Can self-employed or complex-income borrowers qualify for a jumbo loan?
Yes. Non-QM programs like bank-statement mortgages, asset-depletion loans, and RSU income options allow self-employed borrowers, retirees, and high-asset households in Westport, Fairfield, and Greenwich to qualify without W-2s or traditional tax returns.
Which property types are eligible for a jumbo loan?
Eligible properties include single-family homes, condos, townhomes, and 2–4 unit investment properties (subject to lender guidelines). We match you to the best jumbo program for your property.
How do jumbo loan interest rates compare to conventional rates?
In competitive markets like Connecticut, jumbo loan rates are often just as good—or even lower—than conventional rates. That’s because lenders compete for strong jumbo borrowers. We monitor local jumbo rates daily to ensure you’re positioned for the best terms.
Can I refinance a jumbo loan?
Yes. Jumbo refinancing can lower interest rates, convert an ARM to a fixed-rate mortgage, or access equity. Your savings depend on your profile, reserves, and loan structure.