The first piece of advice that will help the average person get a Connecticut home mortgage in this market is to figure out where you stand in relation to the current market when it comes to your home value and credit scores. If you take the time on the front end to do the leg work then you can avoid most if not all of the stress on the back end waiting for the loan officer to tell you that you do not qualify for a Connecticut home mortgage.
In looking at your home value I am begging you to not use online value estimators in figuring out your home value. Take a minute and call a realtor or mortgage professional that you feel comfortable with because he or she will know how to contact a licensed appraiser in order to get the actual home value that a Connecticut mortgage lender will actually accept. This would also be a great time to look at your home and make sure that there are no repairs that you have been putting off that could be done inexpensively to increase your home value.
When you are looking at ordering your credit reports and scores do not use the free credit report services online because no mortgage lender uses those and in all of my years in the mortgage business those reports rarely match the actual credit reports and scores that mortgage lenders use to approve you for a Connecticut home mortgage. You are much better off calling a mortgage professional that you trust and asking them to pull your credit scores and review them with you.