State Guides
What brokers and loan officers should know about closings and property rules in Connecticut, and how Hancock Processing works your files there.
Connecticut is an attorney state. By law, only an attorney admitted in Connecticut can conduct a real estate closing, which covers purchases and most mortgage loans. Home equity lines of credit and other loans that don't involve a lender's title insurance policy are excluded.
No. Connecticut is not a community property state. Marriage doesn't give one spouse an interest in property the other owns, apart from a surviving spouse's share at death, and each spouse can convey their own real estate as if unmarried.
Connecticut home loans are secured by a mortgage deed, which Connecticut law treats as a deed to the lender. Like any conveyance of land, it must be signed, acknowledged and attested by two witnesses.
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Connecticut
Yes. Connecticut requires loan processors to hold an individual MLO license, so the processors who work your Connecticut files hold one.
All of them. We process every loan type we offer in Connecticut, including conventional, FHA, VA, USDA, jumbo, Non-QM and DSCR loans, from Fairfield County and New Haven to Greater Hartford and eastern Connecticut.
Our processors coordinate with the closing attorney's office throughout the file.
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