Private Wealth Mortgage · Connecticut

Jumbo & Private Wealth Mortgage in Connecticut — Up to $20M+.

Whether you're purchasing in Hartford, building in New Haven, or consolidating a portfolio across Connecticut — Sean Shallis structures jumbo and private wealth mortgages that retail lenders can't touch.

Portfolio lending. Complex income. Trust and LLC vesting. No PMI. Sean originates through a national portfolio lender, with the same underwriter from application to close.

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Confidential consultation 20-minute strategy call No obligation

Private Wealth Lending in Connecticut

Connecticut's luxury markets deserve a lender who builds custom.

Sean Shallis is a national private wealth mortgage specialist backed by a national portfolio lender. He personally handles every high-net-worth client — no hand-off to junior staff, no 1-800 number. Complex income, multiple properties, foreign nationals, trust purchases — Sean structures what others can't.

Whether you're an executive purchasing in Hartford, a business owner building in New Haven, or a foreign national investing in Connecticut real estate — his lender offers portfolio lending solutions unavailable through retail channels.

Strategy Call

A confidential 20-minute call with Sean. He maps your income structure, asset picture, and Connecticut property goals.

Custom Structure

Sean designs your loan: income sources, asset leverage, optimal term, trust or LLC vesting — tailored to your Connecticut purchase.

White Glove Close

Sean manages every detail through closing. One point of contact. Private wealth processing lane. Coordinated seamlessly.

Executives & C-Suite

RSU, stock options, and deferred compensation counted as qualifying income for Connecticut purchases.

Business Owners

Self-employed with complex write-offs? We look at cash flow, not just your 1040. Ideal for Connecticut entrepreneurs.

Foreign Nationals

Non-resident buyers purchasing Connecticut real estate. No SSN required. Asset-based qualification available.

Multi-Property & Trust

Portfolio lending with no property count limit. Trust and LLC vesting. Perfect for Connecticut investment portfolios.

$20M+

Loan Amounts

No arbitrary cap — structured to your net worth

PMI on Jumbo

No private mortgage insurance, ever

Flexible

DTI Guidelines

Asset-based qualification and residual income analysis

Portfolio

Lender

The lender keeps your loan — relationship banking

Sean vs. Typical Connecticut Jumbo Lenders

Most Connecticut lenders offer jumbo loans. Very few offer private wealth lending strategy.

Feature

Working With Sean

Retail Jumbo

CT Private Bank

Loans up to $20M+

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Portfolio lender (keeps your loan)

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RSU/stock income counted

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Asset-based qualification

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Trust and LLC vesting

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Interest-only options

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Foreign national eligible

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Free rate renegotiation

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Single point of contact (Sean)

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AI rate monitoring (Rosie)

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Luxury Markets Across Connecticut

Sean works with high-net-worth borrowers in every Connecticut market — and nationwide.

Hartford, CT

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Hartford.

New Haven, CT

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in New Haven.

Stamford, CT

Jumbo and private wealth mortgage solutions for luxury homes and investment properties in Stamford.

Private Wealth Mortgage FAQ — Connecticut

What are the jumbo loan limits in Connecticut?

Conforming loan limits vary by county in Connecticut, but portfolio loans start above conforming limits and go up to $20M+. There is no arbitrary cap — your loan amount is structured around your financial picture, not a government guideline.

Can I use asset depletion to qualify in Connecticut?

Yes. Asset depletion divides your eligible liquid assets by the loan term to create qualifying income. Ideal for retired executives, business owners between ventures, or high-net-worth borrowers purchasing in Connecticut with significant wealth but non-traditional income.

Can I purchase a Connecticut property in a trust or LLC?

Absolutely. Sean regularly closes loans vested in revocable trusts, irrevocable trusts, and LLCs in Connecticut. No need to close in personal name and transfer after — we close directly into the entity.

Does Sean work with foreign nationals buying in Connecticut?

Yes. Non-resident foreign nationals can purchase Connecticut real estate through our private wealth programs. No SSN required. Asset-based qualification available. Typically 30-40% down payment with competitive rates.

Can RSU and stock income qualify me for a Connecticut jumbo loan?

Yes. Sean's lender counts vested RSUs, stock options, and deferred compensation as qualifying income. We analyze your vesting schedule and historical grants — unlike retail lenders who often ignore non-cash compensation entirely.

Are interest-only jumbo loans available in Connecticut?

Yes. Interest-only periods of 5, 7, or 10 years are available on private wealth mortgages in Connecticut. This maximizes cash flow and provides flexibility for borrowers who prefer to deploy capital elsewhere during the IO period.

How many investment properties can I finance in Connecticut?

Portfolio lending means no limit on the number of financed properties. Whether you have 5 or 50 properties across Connecticut and beyond, we structure each loan based on your total financial picture. No property count restrictions.

How does rate renegotiation work?

Because the lender portfolios your loan (keeps it on its books), rate renegotiation is available before funding if rates drop. Sean also monitors rates post-close through Rosie — if a meaningful savings window opens, he'll reach out proactively.

Ready for a private wealth mortgage in Connecticut?

Book a confidential 20-minute strategy call with Sean. No obligation. No junior staff. Direct access to 30+ years of private wealth lending expertise.

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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 →

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