Current Mortgage Rates in Connecticut — June 2026 by Loan Program

Your FICO score is the single most impactful personal factor in determining your CT mortgage interest rate. On a conventional loan, the difference between a 620 and a 760 score can represent a rate spread of 0.75% to 1.25% — which on a $500,000 Connecticut home loan translates to roughly $200 or more per month. FHA pricing is far less sensitive to score variation, making it the better option for many CT buyers in the 620–679 range. VA loans carry essentially no score-based pricing adjustments at all, which is one major reason the VA rate is so competitive for eligible veterans. See our FHA loan page to compare FHA versus conventional for your score tier.

The more equity you bring to closing in Connecticut, the less risk the lender carries — and that directly reduces your mortgage interest rate. Conventional loans see their best pricing at 80% LTV (20% down) and above. Moving from 5% down to 20% down can trim 0.25%–0.50% off your rate and eliminate PMI. FHA rates do not improve dramatically with a larger down payment, but putting 10% or more down removes the lifetime MIP requirement. For CT cash-out refinance borrowers, higher equity positions also unlock better rates — see our Connecticut cash-out refinance page for current LTV limits by program.

Connecticut conforming loan limits for 2026 sit at $806,500 for most counties, with high-cost areas reaching up to $1,209,750 under Fannie Mae guidelines. Loans above those thresholds require jumbo financing, which currently prices around 6.75% in Connecticut — slightly above conventional. The CHFA (Connecticut Housing Finance Authority) also offers first-time buyer programs with below-market rate options. Our wholesale lender network allows CT buyers to compare conventional, high-balance, and jumbo options side by side to find the most competitive program for their loan amount. See our CT conventional loan page for current limit details.

Connecticut mortgage rates move in step with the 10-year Treasury yield, which reacts daily to Federal Reserve policy, inflation data, and broader economic signals. As of June 2026, the Fed is holding its benchmark rate in the 3.50%–3.75% range with no cuts signaled for the remainder of the year. Industry economists broadly expect Connecticut home loan rates to remain range-bound between 6% and 7% through year-end. Locking your rate immediately after going under contract protects you from upward movement. Mortgage-World.com helps CT clients evaluate float-versus-lock decisions using live market data from our multiple loan programs partners.

30-year fixed. Best pricing at 760+ FICO and 20% down. PMI required below 20% down. CT limit $806,500; high-cost counties up to $1,209,750.

30-year fixed. Beats conventional for most CT buyers below 720 FICO. 3.5% down at 580+; 10% at 500–579. Upfront MIP 1.75%. CT limit up to $1,209,750.

The lowest CT program rate today. Zero down, no PMI. Eligible CT veterans and active-duty only. Details at VA.gov. Min 500 FICO.

Zero down for eligible CT buyers in rural areas. Tolland, Windham, Litchfield, and parts of New London County have eligible properties. Income limits at 115% AMI. Min 550 FICO.

For self-employed CT buyers and investors. Bank statements, 1099s, assets, or DSCR — no tax returns required. Min 600 FICO. 10%–20% down typical.

For CT loans above $1,209,750. Common in Fairfield County and Greenwich. Min 660 FICO. 10%–20% down. We access multiple jumbo wholesale programs for CT buyers.

• Minimum credit score: 500 (3.5% down at 580+)
• Down payment: 3.5% at 580 FICO; 10% at 500–579
• Max DTI: 43% guideline, up to 57% with compensating factors
• Upfront MIP: 1.75% of loan amount
• Annual MIP: 0.55% on 30-year loans over 90% LTV
• CT loan limit: up to $1,209,750 in high-cost counties
• Primary residence only; 1–4 unit properties eligible

• Minimum credit score: 500 (lender overlay may vary)
• Down payment: 0% required for eligible CT veterans
• No monthly mortgage insurance (PMI or MIP)
• VA funding fee: 1.25%–3.30% (waived if 10%+ disabled)
• Requires Certificate of Eligibility from VA
• No CT loan limit for full-entitlement borrowers
• Primary residence only; 1–4 unit properties eligible

• Minimum credit score: 620
• Down payment: 3% with PMI; 20% to eliminate PMI
• Max DTI: 45% (up to 50% with strong compensating factors)
• PMI required below 20% down (cancelable at 80% LTV)
• Standard CT limit: $806,500; high-cost: $1,209,750
• Primary, second home, and investment properties eligible
• Best rate pricing at 760+ FICO and 80% LTV or lower

• Minimum credit score: 550 (full doc) or 600 (alt doc)
• Down payment: 10%–20% depending on program
• Income docs: 12–24 months bank statements, 1099s, or assets
• No tax returns required for bank statement programs
• Max cash-out LTV: 80% on most Non-QM programs
• DSCR investor loans: no personal income required
• Available for primary, second homes, and CT investment properties