© WHERE WE LEND SAN DIEGO HQ · CONNECTICUT
HARD MONEY LENDER CONNECTICUT
From Bridgeport to New Haven to Stamford, Loan Goat funds Connecticut investors on the property, not the paperwork.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Connecticut, in Bridgeport, New Haven, Stamford, Hartford and Waterbury. You are an investor buying older New England stock that needs work: the triple-decker with vacant units above, the brick multifamily near the green, the downtown building ready for conversion. We fund business-purpose loans on non-owner-occupied property using in-house capital, which is why a tight closing date stops being a problem.
Connecticut splits along the shoreline. Fairfield County, meaning Stamford and Bridgeport, lives on the New York commuter economy, where Stamford carries corporate offices and new apartment product while Bridgeport holds dense older multifamily at an entirely different basis. New Haven runs on its university and hospital economy. Hartford is an insurance and government town with dense walk-up apartment stock. Waterbury is old brass-industry housing built up the hillsides.
Loan Goat is headquartered in San Diego and lends in Connecticut, which surprises borrowers until they watch it run. We are the direct lender with in-house capital, one decision maker, no loan committee and no branch network to route your file through. That is why a Fairfield County closing can happen in five to seven days while a local bank is still scheduling its next credit meeting.
Investors here buy density and age. Bridgeport and Waterbury trade triple-deckers and small multifamily where the rehab is the entire business plan. New Haven demand comes off Yale University and Yale New Haven Hospital, with East Rock and Wooster Square pulling renovation capital and the surrounding blocks producing rentals. Stamford is a condo, conversion and new-build market with Harbor Point at its center. Hartford neighborhoods such as Asylum Hill hold value-add apartment buildings.
© CONNECTICUT LOCATIONS SAN DIEGO HQ · CONNECTICUT
EXPLORE OUR CONNECTICUT LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Bridgeport Fairfield County, out to New Haven, Stamford, Waterbury.
- New Haven New Haven County, out to Bridgeport, Waterbury, Hartford.
- Stamford Fairfield County, out to Bridgeport, Yonkers, New Haven.
- Hartford Hartford County, out to Waterbury, New Haven, Springfield.
- Waterbury New Haven County, out to New Haven, Hartford, Bridgeport.
© THE COST SAN DIEGO HQ · CONNECTICUT
WHAT DO CONNECTICUT HARD MONEY LOANS COST
A Connecticut quote is built from the deal, not from the state. Bridge from 9.00% and up to 75% LTV on residential, 70% on commercial, one or two year terms and closings in 3 to 14 days. Every one of those is published, not negotiated in the dark.
The written quote comes first and it holds. For a Connecticut borrower on a contract clock, that is the difference between a real number and a maybe.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · CONNECTICUT
WHY LOAN GOAT IN CONNECTICUT
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Old buildings scare banks. A vacant Waterbury triple-decker with ancient wiring and no working kitchens does not fit a conventional box, and the appraisal will fight you the whole way. We lend on what the property is worth finished. Bridge from 9.00%, up to 75% LTV, and minimal documentation for the times when producing paperwork would simply cost you the deal.
The program list maps onto Connecticut strategy directly. Fix and flip for a Bridgeport rehab, rental property DSCR once the New Haven multifamily stabilizes, construction loans for infill, commercial for a Hartford building with ground-floor retail, blanket loans when your doors sit in both Fairfield and New Haven counties. Second and third mortgages pull equity forward. There is no prepayment penalty on any of it.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
CONNECTICUT, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Connecticut files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN CONNECTICUT
Nine programs run in Connecticut. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · CONNECTICUT
HOW WE LEND IN CONNECTICUT
The program list maps onto Connecticut strategy directly. Fix and flip for a Bridgeport rehab, rental property DSCR once the New Haven multifamily stabilizes, construction loans for infill, commercial for a Hartford building with ground-floor retail, blanket loans when your doors sit in both Fairfield and New Haven counties. Second and third mortgages pull equity forward. There is no prepayment penalty on any of it.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
CONNECTICUT BORROWERS, IN THEIR WORDS
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Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN
© QUESTIONS SAN DIEGO HQ · CONNECTICUT
CONNECTICUT HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, Loan Goat funds investor real estate throughout Connecticut, including Bridgeport, New Haven, Stamford, Hartford and Waterbury. We are a veteran-owned direct private lender based in San Diego, funding from in-house capital with one decision maker on every file. Bridge, fix and flip, rental property DSCR, construction, commercial and blanket loans are all available here. Call (619) 617-2797 to get a number on your deal.
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Small multifamily is core business for us, and the older New England stock across Fairfield and New Haven counties is precisely the kind of property that needs bridge money rather than a bank loan. We fund the purchase and the rehab, then refinance into rental property DSCR financing once the units are leased. Vacancy at the time of purchase is not a problem.
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Rentals serving Yale University and the medical district underwrite as rental property, and DSCR financing fits because the leases support the loan rather than your personal income. If a house needs a gut before anyone can rent it, start with a bridge loan and convert afterward. East Rock, Wooster Square and the blocks around them all qualify for this treatment.
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Stamford office-to-residential conversions, mixed-use buildings and larger apartment deals fit our commercial and business purpose bridge programs, which reach up to $25,000,000 at up to 75% LTV. Because we hold the capital ourselves, a complicated Fairfield County story gets one underwriting conversation instead of a committee review. Commercial bridge is available up to 70% LTV.
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Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers
© WHERE WE LEND SAN DIEGO HQ · CONNECTICUT
CONNECTICUT, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · CONNECTICUT
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