Construction Loans · Connecticut

Construction Loans in Connecticut — One Close. Zero Surprises.

Whether you're building a custom home in Hartford, renovating in New Haven, or developing in Stamford — Sean Shallis structures construction-to-permanent loans with one closing instead of two, so you pay one set of closing costs.

Single close. Interest-only during build. One rate lock. One appraisal. Draw schedule managed. Originated through a national portfolio lender.

Get Your Build BudgetBook Strategy Call
90-second pre-qualification No credit impact $100K+ minimum project
Construction Lending in Connecticut

Connecticut builders deserve a lender who manages the details.

Sean Shallis is a national construction loan specialist who originates through a national portfolio lender, with the same file and the same underwriter from application to close. He structures single-close construction-to-permanent loans with one closing instead of two, locks your rate before you break ground, and keeps the draw schedule on track so your builder gets paid on time.

Whether you're building a custom home in Hartford, doing a gut renovation in New Haven, or combining construction financing with a physician loan — Sean's construction programs are available nationwide with the same white-glove service.

01
Plan with Sean
Share your Connecticut build plans, budget, and timeline. Sean structures a single-close loan covering lot, construction, and permanent mortgage in one.
02
Build with Confidence
During construction, pay interest-only on funds drawn. Sean manages the draw schedule with your Connecticut builder — releasing funds at each milestone.
03
Move In with One Mortgage
When construction completes, your loan converts automatically. No second closing. No re-qualification. No surprises.

Custom Build in Connecticut

Building from the ground up in Hartford or New Haven? One loan, one close, one rate lock from dirt to doorstep.

Major Renovation

Gut renos and renovation-to-permanent projects in Connecticut. Transform an existing structure without juggling multiple loans.

Physician Builders

Physicians building in Connecticut can combine construction-to-perm with physician loan benefits. Student loan-friendly DTI available.

Investment Builders

Developing rental or investment properties in Connecticut? Competitive terms for experienced investors with $100K+ projects.

One Close
Not Two

One set of closing costs and one appraisal. No second closing when the loan converts.

Interest-Only
During Build

Pay only interest on funds drawn — not the full loan amount

One
Rate Lock

Lock your permanent rate before construction begins

12-18 Mo
Build Window

Generous construction timeline with extension options

Sean vs. Typical Connecticut Construction Lenders

Most Connecticut lenders require two closings and leave you managing the draw schedule yourself.

Feature
Working With Sean
Typical CT Lender
Single close (one set of closing costs)
—
Interest-only during construction
Rate locked before build starts
—
Draw schedule managed for you
—
Physician loan combo available
—
Renovation-to-permanent eligible
—
No re-qualification at conversion
—
Lot purchase + construction in one loan
—

Building Across Connecticut

Sean works with builders and developers across every Connecticut market — and nationwide.

Hartford, CT

Construction-to-permanent loans available for custom builds and renovations in Hartford.

New Haven, CT

Construction-to-permanent loans available for custom builds and renovations in New Haven.

Stamford, CT

Construction-to-permanent loans available for custom builds and renovations in Stamford.

Construction Loan FAQ — Connecticut

What's the difference between single-close and two-close construction loans in Connecticut?
A two-close loan requires separate closings (and separate fees) for the construction phase and permanent mortgage. Sean's single-close program combines both into one loan: one closing, one set of closing costs, one appraisal. For Connecticut builders that also removes the risk of rate changes or re-qualification between phases.
What's the minimum project size for a construction loan in Connecticut?
The minimum project size is $100K. This applies to both new construction and renovation-to-permanent projects in Connecticut. There's no maximum — Sean regularly structures construction loans for custom builds well into the millions.
Can I do a renovation-to-permanent loan in Connecticut?
Yes. If you're doing a gut renovation or major structural work on a Connecticut property, renovation-to-permanent financing rolls your purchase (or refinance), renovation costs, and permanent mortgage into a single close.
How does the draw schedule work?
Funds are released to your Connecticut builder at pre-agreed milestones (foundation, framing, mechanical, etc.). Sean coordinates inspections and approvals so draws are released promptly. You only pay interest on funds that have been drawn — not the full loan amount.
Can I combine a construction loan with a physician loan in Connecticut?
Yes. Physicians building custom homes in Connecticut can access construction-to-permanent financing with physician loan benefits including favorable DTI treatment for student loans. This is one of Sean's specialties.
Can I include lot purchase in my Connecticut construction loan?
Yes. If you haven't purchased your Connecticut lot yet, the single-close loan can include lot acquisition, construction costs, and your permanent mortgage — all in one loan with one closing. If you already own the lot, its equity counts toward your down payment.
What's the typical timeline from application to breaking ground?
Plan for 30-45 days from application to closing. You'll need approved plans, a licensed Connecticut builder, and a detailed budget. Sean's team works in parallel with your builder to keep the timeline tight. The construction phase itself typically runs 12-18 months.

Ready to plan your Connecticut build?

90 seconds with Rosie to get your build budget. No credit impact. No obligation. Or book a 20-minute strategy call with Sean.

Get Your Build BudgetBook Strategy Call

Know Connecticut before you borrow

How closings work in Connecticut

An attorney state: closings are conducted by attorneys, and buyers retain their own counsel.

Taxes and transfer costs

Property taxes are set by each town's mill rate and vary widely; the seller pays state and municipal conveyance taxes at closing.

Insurance that shapes the file

Shoreline properties carry flood and wind requirements; older inland homes prompt questions about oil tanks, roofs and knob-and-tube wiring.

Where people are buying

Fairfield County and Stamford · New Haven · Hartford · the Shoreline · Litchfield County. First-time and lower-down-payment programs run through the Connecticut Housing Finance Authority (CHFA).

Plain-English notes, not legal or tax advice. Sean originates in all 50 states. Everything about mortgages in Connecticut →

More for Connecticut: Connecticut mortgage guide|Physician loans in Connecticut|VA loans in Connecticut|Renovation loans in Connecticut|Private wealth mortgage in Connecticut
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