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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Connecticut Contract for Deed

If you are selling a real estate property in the State of Connecticut, you can assist the buyer by carrying part or all of the purchase price with this Contract for Deed (or purchase money mortgage).
  • Under the terms of this Contract, the seller effectively becomes the mortgage lender for the balance of the purchase money.
  • Title will transfer to the buyer once payment in full of all principal and interest has been received by the seller.
  • The seller h.....

Connecticut Open End Mortgage Deed

Grant a mortgage over a residential property with this Connecticut Open End Mortgage form.

  • The mortgage form contains both uniform (multistate) covenants and non-uniform covenants for acceleration, release / satisfaction, waiver of homestead exemption, and future advance, pursuant to Connecticut laws.
  • The mortgage is being granted to the lender as additional security for a mortgage loan, plus any additional prepayment or late payment charges, plus interest on all of t.....