Connecticut Mortgage Rates

Connecticut provides easy access to New York, New Jersey and Pennsylvania. Its capital city Hartford is the birthplace of many insurance companies and the state overall plays host to Fortune 500 companies. With its economic opportunities, settling in Connecticut is rewarding.

Home values in the state are on the upswing with this growth expected to carry over to next year per Zillow. Couple this with the best mortgage rates and you have a home or can refinance one in Connecticut.

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Buying a Home in Connecticut

Mortgage rates in Connecticut can follow the nationwide trends or exceed them, as they change daily. For your mortgage rate, you can have these options:

  1. Fixed vs variable. Fixed-rate mortgages are known for their stable payments with lower rates throughout their term. They are available in standard 15, 20 or 30 years. Adjustable-rate mortgages have rates that go further lower but they change once a year and for hybrid ARM loans, they adjust after the fixed-rate period is over.
  2. Conventional vs government. Conventional loans are offered by most lenders and those meeting Fannie Mae or Freddie Mac guidelines are called conforming loans. Mortgages backed by the FHA, VA or USDA are called government loans. Government loan rates are competitively priced and may be lower than conventional loans with less stringent requirements.
  3. Standard vs jumbo. Except for Fairfield, the ceiling loan limit for Connecticut counties is $424,100. Single-family homes priced below or at the conforming loan limit can be financed with standard loans as noted above. For more expensive homes exceeding the loan limit ceiling, jumbo loans are available at higher rates.

Finding the Best Mortgage Rate

Notwithstanding the market trends at that time of your application, lenders will take into consideration your credit score, down payment, loan term, loan amount, and the location of the property in determining your mortgage rate.

As early as now, you can look up rates in your area or neighborhoods where you want to buy a home. You can get localized rates at

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