VA Loans · Connecticut

VA Loans in Connecticut — $0 Down, No PMI.

Whether you're stationed at Naval Submarine Base New London, separating near Hartford, or a veteran buying in New Haven — Sean Shallis is a U.S. Army Veteran and VA loan specialist who originates in all 50 states.

$0 down. No PMI. No minimum credit score. Sean originates through a national portfolio lender, with the same underwriter from application to close.

Check My VA Rate Book Strategy Call

90-second rate check No credit impact Free forever

VA Lending in Connecticut

Connecticut veterans deserve a lender who served too.

Sean Shallis is a U.S. Army Veteran, VA loan specialist, and Senior Loan Officer at one of the largest banks in the United States. With 30+ years of mortgage expertise and over $1B in closed transactions, he knows how to maximize your VA benefit — whether you're buying your first home, refinancing with an IRRRL, or building from the ground up.

Serving veterans near Naval Submarine Base New London. Sean handles everything — COE retrieval, entitlement restoration, funding fee exemption verification — so you can focus on finding your home.

Talk to Rosie

Tell Rosie about your Connecticut home search, refinance, or IRRRL. 90 seconds, no forms, no credit impact.

Rosie Watches

Rosie monitors Connecticut VA rates multiple times a day. She knows your entitlement status and alerts you when savings windows open.

Sean Closes It

When the window opens, Sean calls you personally. Veteran to veteran. One phone call. White glove. One file, one underwriter, application to close.

Active Duty in Connecticut

Stationed at Naval Submarine Base New London? PCSing soon? Lock in your rate and close before you move.

Separated & Retired Veterans

Living in Hartford or New Haven? Your VA benefit never expires. Use it again — zero down.

VA IRRRL Refinance

Already have a VA loan in Connecticut? The IRRRL streamline lets you drop your rate with minimal paperwork and no appraisal.

VA Construction Loans

Building in Connecticut? Single-close construction-to-permanent. Zero down. No PMI. One closing.

Down Payment

100% financing — no down payment required

PMI — Ever

No private mortgage insurance at any LTV

None

Min. Credit Score

No VA-mandated minimum credit score

Prepayment Penalty

Pay off early with zero penalty

Sean vs. Typical Connecticut VA Lenders

Most Connecticut lenders process VA loans. Sean strategizes them — veteran to veteran.

Feature

Working With Sean

Typical CT Lender

Portfolio lender (keeps your loan)

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AI rate monitoring (Rosie)

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Veteran-to-veteran relationship

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Construction-to-perm with VA

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Physician + VA combination programs

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Free rate renegotiation before funding

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Loan recasting for $250

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Available nationwide

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Serving Veterans Across Connecticut

Sean works with veterans near every Connecticut military installation and VA facility.

Naval Submarine Base New London

VA loans available for service members and veterans near Naval Submarine Base New London.

VA Connecticut Healthcare System

Veterans receiving care here may qualify for disability-related funding fee exemptions.

Hartford, CT

VA home loans available for veterans buying or refinancing in Hartford.

New Haven, CT

VA home loans available for veterans buying or refinancing in New Haven.

Stamford, CT

VA home loans available for veterans buying or refinancing in Stamford.

VA Loan FAQ — Connecticut

Who is eligible for a VA loan in Connecticut?

Veterans, active-duty service members, National Guard and Reserve members with qualifying service, and eligible surviving spouses. If you served at Naval Submarine Base New London or anywhere else, your benefit works nationwide. Sean can pull your COE electronically in minutes.

How do I get my Certificate of Eligibility (COE)?

You don't need to request it yourself. Sean pulls your COE electronically through the VA's system as part of the process. It takes minutes, not weeks. He'll also verify your entitlement amount and any funding fee exemptions.

Can I use my VA loan benefit more than once in Connecticut?

Yes. There's no limit to how many times you can use your VA benefit. You can even have two VA loans simultaneously if you have remaining entitlement. Sean specializes in helping Connecticut veterans restore and strategically reuse their entitlement.

What is the VA funding fee and can I avoid it?

The funding fee is a one-time charge (1.25%–3.3%) that can be rolled into your loan. Veterans with a service-connected disability rating of 10% or more are fully exempt. Sean verifies your exemption status upfront — if you're receiving care at a VA medical center for a service-connected condition, you likely qualify.

I'm a veteran AND a physician. Can I combine benefits?

Absolutely — this is Sean's specialty. As both a VA loan specialist and physician lender, he structures loans that leverage both benefits. Veteran physicians often get better rates, higher limits, and more flexible terms than either program alone.

What is the VA IRRRL and can I use it in Connecticut?

The IRRRL (Interest Rate Reduction Refinance Loan) lets you refinance your existing VA loan with minimal paperwork, no appraisal, and often no out-of-pocket costs. If you have a VA loan in Connecticut, Rosie monitors your rate daily and alerts you the moment an IRRRL saves you money.

Can I build a home in Connecticut with a VA loan?

Yes. Sean offers VA construction-to-permanent loans through his lender in Connecticut — a single close that covers your build and converts to your permanent VA mortgage. Zero down, no PMI, one closing. Sean has guided dozens of veterans through new construction.

Ready to use your VA benefit in Connecticut?

90 seconds with Rosie. No credit impact. No obligation. Or book a 20-minute strategy call with Sean — veteran to veteran.

Check My VA Rate Book 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 →

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