Trumbull, CT's Trusted Hard Money Lender for Real Estate Investors

Trumbull is one of Fairfield County's most sought-after bedroom communities, drawing move-up buyers leaving New York City and Westchester for larger lots, top-rated schools, and a Metro-North commute through nearby Bridgeport and Fairfield stations. That demand has kept renovation activity brisk in established neighborhoods like Long Hill and Nichols, where dated 1960s and 1970s housing stock is being updated for buyers who want Trumbull's schools without New York's price tag. The Trumbull Mall corridor continues to anchor local commercial activity, and investors who can deliver a high-quality renovation are finding receptive buyers throughout the town.

Unitas Funding provides private capital for real estate investors throughout Trumbull and Fairfield County, Connecticut — fix-and-flip, new construction, bridge loans, and DSCR rental financing. With $4.5 billion deployed nationwide and direct lending capital, we bring institutional speed and certainty to every Trumbull-area transaction: real pre-approvals in 24 hours and closings in as little as 10 business days.

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Fast, Reliable Capital for Your Next Trumbull Deal

Trumbull's market rewards investors who can move fast and close with certainty. Unitas Funding delivers rates from 8.99%, up to 92.5% loan-to-cost on qualified projects, and real pre-approvals — not meaningless pre-qualifications — in 24 hours. We evaluate deals on property fundamentals and your exit strategy in Trumbull, not bureaucratic checklists.

Fix & Flip Loans

Fix & Flip Loans

Unitas Funding's fix-and-flip loans give Trumbull investors up to 92.5% loan-to-cost on qualified renovation projects, with rates starting at 8.99% and interest-only terms of 12, 18, or 24 months. We fund the purchase price and the renovation budget together, with draws released in 24-48 hours so your Trumbull project stays on schedule.

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New Construction Loans

New Construction Loans

For ground-up builds in Trumbull and across Fairfield County, our new construction loans cover land acquisition and vertical construction costs with the same 92.5% loan-to-cost and 24-48-hour draw turnaround as our renovation loans. Most projects require approximately 10 draws over the build timeline, and each one receives the same priority processing as your initial funding.

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Bridge Loans

Bridge Loans

When timing doesn't line up — between the sale of one Trumbull property and the acquisition of another, or while arranging long-term financing — our bridge loans provide 6-to-12-month interim capital with the same 24-hour pre-approval and 10-business-day closing investors rely on for every other Unitas loan program.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR rental loans qualify Trumbull investors based on a property's projected rental income rather than personal income documentation. That makes it straightforward to scale a rental portfolio across Fairfield County without W-2s, tax returns, or employment verification slowing down your next acquisition.

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What Makes Unitas Different in Trumbull

  1. Institutional Resources
    With $4.5 billion in capital deployed nationwide, Unitas Funding lends directly — there's no broker chain and no committee delay between you and your capital. In Trumbull, that means we can fund renovation, construction, and acquisition deals tied to the Trumbull Mall corridor and Fairfield County's commuter base without the capital constraints that limit smaller private lenders.

  2. Underwriting for Property Fundamentals
    We underwrite the deal, not your tax returns. In Trumbull, that means evaluating after-repair value, local rent and resale comparables, and your exit strategy — not chasing W-2s or personal debt-to-income ratios. Borrowers with a strong deal and a clear plan move through underwriting quickly, regardless of credit history.

  3. We Fund What We Approve
    When we issue a pre-approval on a Trumbull property, that approval holds. There's no surprise committee reversal three days before closing — a critical advantage in a market shaped by move-up buyers leaving New York and Westchester.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property fast, and draw requests process in 24-48 hours after inspection. Most Trumbull projects require approximately 10 draws, and each one gets the same urgent turnaround as your initial funding — a meaningful edge in a market moving as fast as Trumbull's.


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Get Pre-Approved in 24 Hours
Stop losing Trumbull deals to investors with faster financing. Unitas delivers real pre-approvals in 24 hours — not meaningless pre-qualifications, but actual approvals that give you credibility when making offers on Trumbull properties. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Trumbull?

We finance business-purpose real estate throughout Trumbull and Fairfield County: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities — we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Trumbull investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation. Compare that to 30-45 days minimum for traditional banks, and you'll understand why Trumbull investors increasingly choose hard money lending over conventional financing.

What are your loan-to-cost ratios for Trumbull fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Trumbull, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy, with rates starting at 8.99% and terms customized to your project timeline.

Do you require personal income verification for DSCR loans in Trumbull?

No. Our DSCR loans in Trumbull qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether projected rent covers debt service, which makes portfolio building straightforward for Trumbull investors.

What areas of Trumbull do you serve?

We lend throughout Trumbull, including Long Hill, Nichols, and the White Plains Road corridor, as well as the broader Fairfield County market. Wherever the deal makes sense within Connecticut, our team can structure financing around it.

 

Ready to Fund Your Next Trumbull Real Estate Investment?

Unitas Funding has funded 35+ deals for real estate investors across Trumbull and the broader Fairfield County. Whether you're renovating a property near Long Hill, building new construction near Nichols, or acquiring a DSCR rental in Trumbull, our team delivers institutional capital with direct-lender speed: rates from 8.99%, up to 92.5% LTC, pre-approvals in 24 hours, and closings in 10 business days. Apply today and put $4.5 billion in deployed capital behind your next Trumbull investment.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.