Hard Money Lenders CT

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

  • Interest rates 10 – 12.75%
  • 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
Get Approved Online
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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 & Flip

For house flippers hoping to purchase a fixer upper to renovate and resell in CT. Interest rates from 10 – 12.75%, Loan-To-Cost up to 90%, with loan terms up to up to 24 months. Hard Money Refinance Loans also available.

  • Get up to $5,000,000
  • Interest rate 10 – 12.75%
  • Origination fee from 1.875%
  • Up to 100% construction
  • More info
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30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 7.5, 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 7.5
  • Origination fee 2-3%
  • 30-year fixed rate
  • More info
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Ground Up

Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10 to 13.25%

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 - 13.25%
  • Origination fee from 1.875%
  • Up to up to 24 months
  • More info
Get Approved Online

Connecticut Hard Money Loan

Getting a traditional loan with conventional lenders is a slow, drawn-out and exhausting process. At New Silver, our hard money loans are designed for property investors that value speed, efficiency and transparency. Offering fix-and-flip, fix-to-rent and cash out refinance loans, our team of experienced real estate experts are available to get you capital and assist you with any hiccups that may come up along the way.

New Silver is unlike other hard money lenders in Connecticut. As licensed real estate investment professionals, we know what real estate investors need: quick and easy online applications, terms of up to twenty-four months and most of all, fast loan closing and attractive rates. At New Silver, we specialize in hard money loans for single-family residential, but we can also cater to multi-family and commercial real estate projects. Contact our hard money lending team today to find the best loan fit for your next real estate project.

Ultimately, if you need fast closing hard money loan with competitive interest rates, New Silver is the hard money lender for you.

New Silver lends in these cities:

Connecticut’s Real Estate Market Overview

Average Home Value


1-Year Home Appreciation


1 Bedroom Rent


Average 3 Bedroom Rent


Connecticut Homes Are Slightly More Expensive Than Average: The average home value in Connecticut is $358,906 which is about $24,500 more than the average home price in the US ($334,269). Connecticut is also a hot spot for house flippers. If you can find a poorly maintained home in a good area, there is great potential for a fix and flip real estate investment.

Rental Rates Are Good: The average 1-bedroom rental rate is $1,249, while the average 3-bedroom rental rate is $1,944. Given that homes are reasonably affordable in Connecticut, the rental rates are pretty solid. Reasonable house prices combined with good rental rates is basically the recipe for a cash flow positive rental property.

Median Home Price by MSA

MSA Name Median Home Price 1-Year Appreciation 3-Year Appreciation
Hartford $344,100 9.3% 40.6%
New Haven $354,800 12.8% 43.1%
Norwich $340,700 10.4% 39.6%
Stamford $687,000 4.3% 47.9%

Connecticut Real Estate Market Analysis

The Connecticut Market Is Stable & Appreciating: If you review the median house price of Hartford ($344,100), New Haven ($354,800) and Norwich ($340,700), you should notice that they are all fairly similar. These markets are also appreciating at approximately 10% over a 1 year period, and about 40% over a 3 year period.

These numbers suggest that the Connecticut real estate market is growing at a sustainable rate, which could continue for many years to come.

Homes In Stamford Are Considerably More Than Other Metro Areas: In terms of median sale price, Stamford definitely bucks the trend set by other cities in Connecticut. Stamford homes ($687,000 median sale price) are almost double the median sale price in Hartford ($344,100), and also considerably more than the median sale price in the US ($388,472).

Connecticut Real Estate Investor Associations

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 a private lender that offers short term loan products for house flipping projects, but we also have 30 year rental property loans for investment properties. We also cater to real estate entrepreneurs hoping to build multi-family apartments with our new construction loans.

Yes, we are a non-bank direct lender that provides asset based loans at scale. With asset-based lending, the underwriting process can be more lenient than conventional financing. This is because the underlying value of the asset (real estate property) is more important than the financial background of the investor when setting the terms of the loan.

As a result, the credit score requirements for private money lenders are less stringent, income verification is not needed and the debt to income ratio of the borrower doesn’t matter. Plus, we can get you approved and closed with a hard money loan within 7 days.

Yes. As a direct lender, we offer ground-up construction loans for real estate developers that build single family (1-4 unit) residential properties.

Yes. Our fix and flip loans can act as a bridge loan for real estate investors with a loan term ranging from 6 to 24 months in duration. More information can be found on the loan product page, together with the maximum loan amounts available.

The main reason hard money lenders have higher interest rates is because of the risks involved in the financial transaction. Unlike a residential home purchase, a fix and flip project could run over budget, the real estate market might take a turn for the worse, making the property difficult to sell quickly.

In other words, you could potentially lose money with a fix and flip. This risk is applicable to the borrower and the hard money lender. The higher interest rate compensates for this risk that the hard money lender is willing to take on.

The origination fee (loan points) of a hard money loan is usually between 2-3%, but this varies with each deal. To work out the expected monthly payments, it is best to use our hard money loan calculator.

In short, yes. While our credit requirements of a hard money lender are not as stringent as a traditional lender, we do review the credit history of all our borrowers. If you’re worried about bad credit, it is best to look at our hard money loans product page to see if New Silver is a good fit for your needs.

  1. House Flipping Loan – Designed for house flippers
  2. Rental Property Loan – 30 year loan for investment properties
  3. Construction Loan – For new residential building projects
  4. Refinance Loan – Short term loan for cashing out the equity in your home

Where We Lend

Hard Money Loans Across The US

Apply for a loan at New Silver today!

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