Whether you are borrowing or lending money for a real estate purchase in Connecticut, make sure you document it with the proper mortgage forms.

  • Connecticut is referred to as a 'title theory' state, meaning that the borrower (mortgagor) pledges the property to the lender (mortgagee) as security for a loan and conveys the legal title over to the mortgagee for the duration of the term of the loan.
  • The mortgagor retains 'equitable title' and possession of the property, and will be able to regain full legal title as soon as the loan is paid in full.
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