No Credit Score Mortgage Connecticut · Licensed in Connecticut · NMLS #1630225
No Credit Score Mortgage Connecticut — Qualify on Equity, From $417,001
No minimum score and no income documents, starting one day out of bankruptcy. In Connecticut the smallest loan is $417,001 and the limit is 50% of the value, or 55% up to $1,500,000, so the program fits homes worth about $758,200 and up.
Last updated November 2026 · reviewed by a licensed mortgage broker
Credit Score
in Connecticut
Loans to $1.5M
Bankruptcy
Your Answer Right Here
Can You Get a No Credit Score Mortgage in Connecticut?
Yes, but Connecticut has a higher floor than our other states. A no credit score mortgage in Connecticut needs no minimum score and no income documents, and it lends up to 50% of the home’s value, or 55% on loans from $300,000 to $1,500,000. The difference is the minimum loan: $417,001 here, against $250,000 in New Jersey and Florida.
That minimum decides who the program fits. At 55%, a $417,001 loan needs a home worth about $758,200. At 50%, it takes a home worth about $834,000. Below about $758,200, the loan can’t be made in Connecticut. Above it, the program works on the home you live in or a second home.
The Numbers
What a Connecticut Home Supports
The value is the lower of the purchase price and the appraisal. A loan has to clear $417,001 to close.
| Home value | Largest loan | Which limit |
|---|---|---|
| $700,000 | Not available | 55% is $385,000, under the Connecticut minimum |
| $760,000 | $418,000 | 55%; 50% would be $380,000, too small |
| $1,100,000 | $605,000 | 55% |
| $3,400,000 | $1,700,000 | 50%; the 55% limit stops at $1,500,000 |
Near the bottom of that range, the appraisal matters a lot. A house you expect at $780,000 that appraises at $750,000 drops the 55% loan to $412,500, under the minimum, and the deal stops there. If the appraiser marks the market as declining, another 5% comes off the limit. Before you count on it, get a realistic value, not the highest number you’ve heard.
What You Need
Connecticut Requirements Beyond the Minimum Loan
| Item | Rule |
|---|---|
| Credit | No minimum score; no score is fine; no tradeline count |
| Income | Not verified; no debt-to-income ratio |
| Equity left after the loan | $150,000 or more, which every loan above the Connecticut minimum clears |
| Reserves | Six months of payments; cash-out money can count |
| Loan | 30-year fixed; no interest-only; no prepayment penalty; escrow required |
| Counseling | At least one borrower, before closing |
The loan also can’t count as high-cost under federal or Connecticut law, so the points and fees stay under both limits. For counseling, the CFPB’s search lists HUD-approved agencies in Connecticut.
After a Setback
Using a No Credit Score Mortgage After Bankruptcy or Foreclosure in Connecticut
A no credit score mortgage in Connecticut can close one day out of bankruptcy. A foreclosure on this same house needs 12 months behind it. That wait applies only to the property being financed.
Connecticut foreclosures go through the courts, and the Judicial Branch runs a Foreclosure Mediation Program to help homeowners and lenders settle a foreclosure case. Mediation and this program don’t mix well, though. Once a lis pendens, notice of default, or notice of sale is on record, or the loan is 90 days late, this loan can’t pay it off.
Collections and charge-offs don’t have to be paid. Judgments and liens on the credit report, fraud report, or title do, by closing, and the loan can pay them along with any IRS debt.
Who It Fits
Who Uses It in Connecticut
With that floor, a no credit score mortgage in Connecticut suits owners of higher-value homes: someone with a paid-off house in Fairfield County and a recent bankruptcy, a retiree with plenty of equity and no paycheck, or a buyer bringing half the price to a second home on the shoreline. Single-family homes, townhomes, condos, two- to four-family houses, and properties up to 10 acres that aren’t rated rural all qualify.
If your home is worth less than about $758,200, this program can’t reach it. With a score of 640 or higher, our Connecticut no income verification program starts at a lower loan amount.
Before You Start
What Happens After You Apply
- You send the application
A few minutes online. No documents at this stage.
- A licensed loan officer calls you
Someone on our team covering your state.
- We ask for documents and pull credit
Only once you have decided to move forward.
- You get an approval to shop with
Typically back within the hour.
What Clients Say
Real Reviews From Our Clients
Here’s what a few clients said about working with Mortgage-World.com on their home loan approvals.
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Common Questions Answered
Frequently Asked Questions — No Credit Score Mortgage Connecticut
Related Resources
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Find out if your Connecticut home clears the minimum
A licensed loan officer will look at the value and what you owe, and tell you whether the home supports a $417,001 loan and how much more it can carry.
Written and reviewed by Chris Luis, Broker/Owner of Mortgage-World.com, NMLS #1630225. About the author