Hard Money Lenders CT

Get approved in less than 5 minutes with instant term sheet + proof of funds

Fast CT Hard Money Loans
Ready to close in less than a week

  • Interest rates 9.25 – 11.25%
  • Credit score 650+
  • Loan-to-Cost Up to 90%
  • No income verification
  • Get approved online in 5 minutes
  • Instant proof of funds letter
  • Interest only payments
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Need financing for your upcoming real estate project? Get approved for a hard money loan in 5 minutes with one of the top-rated Connecticut hard money lenders.

Need fast closing real estate loans? Look no further than New Silver lending. New Silver has the perfect selection hard money loans for property investors in Connecticut.

New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in Connecticut.

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Loan Programs

Fix and Flip

Fix & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in CT. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 9.25 – 11.25%
  • Origination fee from 1.25 - 1.75%
  • Up to 100% construction
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Rent

Rent

30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.375, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.

  • Get up to $3,000,000
  • Interest rate 6.375
  • Origination fee 0 - 2%
  • 30-year fixed rate
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Ground Up

Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.5 to 11.5%

The perfect solution for builders in CT that need quick access to capital to fund construction costs.

  • Get up to $5,000,000
  • Interest rate 10.5 - 11.5%
  • Origination fee from 1.5 - 2%
  • Up to 18 months
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Loan Application Process Overview

This short video will walk you through the application process, show you how to get conditionally approved online in under 5 minutes, see your preliminary term sheet and show you how our easy online platform helps you be more successful.

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Connecticut Real Estate Market Overview

Average Home Value

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$426,427

1-Year Home Appreciation

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4.5%

Average
1 Bedroom Rent

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$1,848/month

Average 3 Bedroom Rent

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$2,800

Balancing Affordability and Opportunity: Connecticut’s real estate market presents a compelling mix of affordability and growth potential. With an average home value of $426,427, the state offers properties that are more accessible than those in neighboring markets like New York or Massachusetts. The 4.5% year-over-year appreciation indicates a steady upward trend, making it an attractive option for investors seeking both stability and growth.

Rental Market Dynamics: The rental landscape in Connecticut is robust, with average rents for one-bedroom apartments at $1,848 and three-bedroom units at $2,800. These figures suggest a healthy demand for rental properties, providing investors with opportunities for consistent cash flow. The combination of relatively affordable property prices and strong rental rates creates a favorable environment for buy-and-hold strategies.

Real Estate Investing Hot Spots In CT

Hartford

Hartford has emerged as a top real estate market, ranking fourth in Zillow’s list of hottest housing markets for 2025. The city offers affordable property prices, with a median home value around $276,962 in East Hartford, and has experienced a 66.27% appreciation over the past five years. The area also boasts a favorable affordability ratio of 3.7 and a growing population, making it an attractive option for investors seeking both appreciation and rental income.

New Haven

Home to Yale University, New Haven presents a stable rental market driven by a constant influx of students and professionals. The city’s cultural attractions and educational institutions contribute to a strong demand for both long-term and short-term rentals. Investors can benefit from the city’s robust housing market, which offers good returns and rental income potential.

Stamford

Stamford, located in Fairfield County, is Connecticut’s fastest-growing city, with a population increase of 10.5% from 2010 to 2020. The city’s proximity to New York City, combined with its own thriving economy, makes it a prime location for real estate investment. The Harbor Point redevelopment in Stamford’s South End has transformed the area into a vibrant, mixed-use community, attracting young professionals and boosting property values.

Connecticut Real Estate Investor Associations

 

Resources Used In This Post:

Zillow – Connecticut Home Values | Apartments.com – Connecticut Rent Trends | RentalRealEstate.com | CT Insider | NBC Connecticut | Best Investment Markets in CT | Rabbu | CT Housing Market Forecast | Wikipedia – Harbor Point (Stamford)

Reasons to Fund Your Investment Property with New Silver

It doesn’t matter if you are a buy-and-hold investor or a house flipping specialist. New Silver is one of the highest-rated hard money lenders in Connecticut with a selection of hard money loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. As a leading hard money lender in the US, we are ready to help you solve your real estate investment needs, with fast closing hard money loans that can be approved online, with an instant proof of funds letter.

Frequently Asked Questions

Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.

New Silver offers a variety of loan terms to suit different real estate investing strategies in CT, including:

  • Short-term fix and flip loans with durations typically between up to 18 months.
  • 30 rental property loans for long-term investment stability.
  • Construction loans structured around your development timeline, typically 18 months.

These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.

New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in CT. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.

New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.

Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.

Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.

Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.

Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.

New Silver offers a range of loan products designed for real estate investors in CT, including:

Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.

New Silver specializes in residential investment properties up to 4 units. We do not currently fund commercial properties with more than 4 units. However, we have partners we can refer you to if your project exceeds our scope.

We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in CT.

Where We Lend

Hard Money Loans Across The US

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