# Subject-To Real Estate: How Selling Subject-To Works, Risks and Protections Source: https://webuyhousesinconnecticut.com/subject-to-real-estate/ Author: Jerryll Noorden, owner of We Buy Houses In Connecticut, LLC ((203) 529-4712) Updated: 2026-10-27 Facts checked: 2026-10-27 ## The short answer Selling a house "subject-to" means you deed it to a buyer who takes over your mortgage payments while the loan stays in your name. Most mortgages have a due-on-sale clause, and federal law (12 U.S.C. § 1701j-3) lets the lender enforce it; its exceptions cover family transfers and certain living trusts, not sales to investors. If the buyer stops paying, the late payments and any Connecticut foreclosure fall on you. Key takeaways - **Selling "subject-to" means you deed your house to a buyer who takes over your mortgage payments,** while the loan itself stays in your name. The buyer owns the house. You still owe the bank. It is one of [several ways we buy houses in Connecticut](/ways-we-buy-houses-connecticut/). - **It can help when a cash sale can't:** when you owe close to what the house is worth, you are behind on payments, or you have to move and can't afford to sell with an agent. (How investors use each buying method is in our [real estate wholesaling guide](/what-is-real-estate-wholesaling/).) - **The lender can call the loan due.** Most mortgages have a due-on-sale clause, and federal law (12 U.S.C. § 1701j-3) lets lenders enforce it. Its exceptions protect transfers to a spouse, children, relatives after a death and certain living trusts, not a sale to an investor. - **If the buyer stops paying, it lands on you:** late payments go on your credit report, and a Connecticut foreclosure goes through the courts with your name on it. - **You can protect yourself** with a third-party loan servicer, your own access to the loan account, a performance mortgage or agreement, the right insurance and your own Connecticut attorney. - **It is not for everyone.** If you have real equity and time, a listing or a straight cash sale is usually simpler and safer. ## What does it mean to sell your house "subject-to"? Selling your house "subject-to" means you sign the deed over to a buyer who takes the house subject to your existing mortgage. The buyer makes your monthly payments from then on, but the loan is not refinanced or formally assumed. It stays in your name, on your credit report, until it is paid off or refinanced. The words come from the deed itself. The buyer takes title "subject to" the mortgage already recorded on the house. The mortgage doesn't go away. It just has a new owner standing behind the payments, while the original borrower, you, is still the one the bank can come after. That is the whole story of subject-to. It can be a lifeline. It can also leave you owing on a house you no longer own. This guide is about telling those two apart before you sign. ## How does a subject-to sale work, step by step? A subject-to sale works in six steps: you agree on written terms, attorneys check the title and the loan, you sign the deed and the side agreements at a closing, the deed is recorded, the buyer starts making your mortgage payments, and the loan stays in place until the buyer pays it off, refinances or sells. - ### You agree on written terms The purchase agreement says the buyer takes title subject to your mortgage, what cash you receive (if any), who catches up any missed payments, and by when the buyer will pay off or refinance the loan. - ### Attorneys check the title and the loan A Connecticut attorney runs the title search and gets a payoff or reinstatement statement from your servicer, which must provide one on your written request (CGS 49-10a). Have your own attorney, separate from the buyer's. - ### You sign the deed and the side agreements You sign the deed plus the documents that protect you: a performance agreement, a servicing agreement, an authorization so the servicer can talk to the buyer, and an insurance plan. The buyer pays any cash due to you and any arrears. - ### The deed is recorded The deed goes on the town land records and the conveyance tax is paid (CGS 12-494). From now on the buyer owns the house, pays the property taxes and carries the repairs. - ### The buyer makes your payments Each month the buyer, or better a third-party servicing company, pays your lender. Your lender keeps sending statements to you, because you are still the borrower. - ### The loan ends on an agreed date It ends when the buyer pays off the loan, refinances it into their own name, or sells and pays it off at that closing. A good agreement sets a deadline. ## Why would a homeowner sell subject-to instead of for cash? A homeowner sells subject-to when a normal sale doesn't work: they owe close to what the house is worth, they can't cover a commission and closing costs out of thin equity, they are behind and need the payments taken over, or they must move and can't carry two housing costs. It solves those problems. It rarely puts much cash in your pocket. - **Little or no equity.** If you owe $280,000 on a house worth $300,000, a listing can cost you money at closing once you pay the commission, the conveyance tax and repairs. A cash investor can't pay more than the house is worth to them. Subject-to lets someone take over the loan instead of paying it off. - **Behind on payments.** A buyer who catches up the arrears and keeps paying can stop the slide, as long as they really keep paying. - **A move you can't put off.** A new job, a family member who needs care, a divorce, and no way to wait months for a listing. - **A low interest rate.** If your rate is well below today's, a buyer may value keeping it. That rate is the main thing you are selling. Facing foreclosure? Read [selling your house before foreclosure in Connecticut](/sell-house-foreclosure-connecticut/) first. Subject-to is one option there, and the timing around Law Day matters. ## Can the lender call the loan due if I sell subject-to? Yes. Most mortgages contain a due-on-sale clause, which lets the lender demand the full balance if you transfer the house without its consent. The Garn–St Germain Act (12 U.S.C. § 1701j-3) lets lenders enforce it. Its exceptions cover transfers to a spouse or children, to relatives after a death, in a divorce, and into certain living trusts. A sale to an investor is not one of them. Many sales pitches skip this, so here it is plainly. A subject-to sale usually breaks a promise in your mortgage, and the lender decides what to do about it. It can do nothing. It can also demand the whole balance and, if nobody pays, foreclose. The federal law overrides state rules that once limited due-on-sale clauses, then lists the transfers a lender may not use as a reason to call a loan on a home with fewer than five units: | Transfer | Protected? | Source | | --- | --- | --- | | A second mortgage or lien that doesn't transfer occupancy | Yes | 12 U.S.C. § 1701j-3(d)(1) | | Death of a joint tenant or tenant by the entirety | Yes | § 1701j-3(d)(3) | | A lease of three years or less with no option to buy | Yes | § 1701j-3(d)(4) | | Transfer to a relative because the borrower died | Yes | § 1701j-3(d)(5) | | Your spouse or children become owners | Yes | § 1701j-3(d)(6) | | Divorce decree or separation agreement giving your spouse ownership | Yes | § 1701j-3(d)(7) | | Into a living trust where you remain a beneficiary and occupancy doesn't transfer | Yes | § 1701j-3(d)(8) | | A sale to an investor or other unrelated buyer, subject-to | No | Not on the list | | A lease longer than three years, or any lease with an option to buy | No | § 1701j-3(d)(4); 12 CFR § 191.5(b)(1)(iv) | The "land trust" workaroundSome people suggest deeding the house into a trust and making the investor its beneficiary, to fit the trust exception. But that exception protects a trust in which the borrower "is and remains a beneficiary" and occupancy doesn't change (12 U.S.C. § 1701j-3(d)(8)). A trust built so an investor ends up owning and living in or renting out the house doesn't match. Don't rely on a trust to make the clause go away. **How often do lenders actually call these loans?** Investors often say it is rare while payments are current. We have found no public data that proves it either way, and nothing requires a lender to stay quiet. Plan as if it could happen, and get a written answer before you sign: "If the lender calls the loan, what exactly happens, and who pays?" A serious buyer will refinance or pay off within a set time, or deed the house back with the loan current. One detail on your side: when a lender calls a loan on an owner-occupied home under the due-on-sale clause, federal rules bar a prepayment penalty on the payoff (12 CFR § 191.5(b)(2)). ## Is selling a house subject-to legal in Connecticut? Selling subject-to is generally legal in Connecticut: we found no statute that bans deeding your house to a buyer who takes over the payments. What it usually violates is the due-on-sale clause in your mortgage, a contract term the lender may enforce. The deal is only as safe as the written agreements around it. As of October 2026, a few legal points are worth knowing. This is general information, not legal advice: - **It's a sale, not a wholesale assignment.** The buyer takes the deed. Connecticut's 2026 wholesaler law covers people who arrange a sale "without assuming title" (CGS 20-329aaa), which is a different transaction. If a subject-to buyer plans to hand your contract to someone else, ask who will end up on the deed, and read [what to expect when selling to a wholesaler in Connecticut](/what-to-expect-when-selling-your-house-to-a-wholesaler-in-naugatuck-ct/). - **You are still the borrower.** Your note is between you and the bank. The buyer's promises run to you, in your private agreement, and you enforce them yourself. - **The servicer may not talk to the buyer.** Federal servicing rules give "successor in interest" status only for family-type transfers like the Garn–St Germain exceptions (12 CFR § 1024.31). An investor isn't one, so you will usually sign a written authorization. - **Foreclosure sales can carry extra rules.** Some states have "equity purchaser" or foreclosure-rescue laws for buyers who take title from owners in default. If you are in foreclosure, ask your attorney what applies. ## What are the risks of selling your house subject-to? The risks of selling subject-to are that the loan stays on your credit, so the buyer's late payments hurt you; the lender can call the loan due; a foreclosure would be filed against you even though you no longer own the house; you could face a deficiency judgment; and the open loan can make it harder to borrow again. Each can be reduced. None disappears. - **Your credit depends on someone else.** The loan reports under your name. Under the Fair Credit Reporting Act, most negative items can stay on a credit report for up to seven years (15 U.S.C. § 1681c(a)(5)). - **A foreclosure would name you.** Connecticut forecloses through the courts under chapter 846 of the General Statutes. Strict foreclosure, where title passes to the lender on a court-set Law Day, is the usual method. - **You could owe after a foreclosure.** The lender can ask the court for a deficiency judgment, the gap between the court's valuation and the debt (CGS 49-14). That judgment is against the borrower: you. - **Some protections may stop fitting you.** Connecticut's foreclosure mediation program is built around a borrower who lives in the house as a primary residence (CGS 49-31k). After you deed it away and move out, you may not qualify. - **The open loan follows you.** A new lender will see the old mortgage. Whether it counts against you depends on its rules and your proof that someone else pays. With a VA loan, your entitlement stays tied up until the loan is paid in full (see the [VA's eligibility page](https://www.benefits.va.gov/homeloans/eligibility.asp)). - **Insurance gaps.** Your policy was written for you as owner. The buyer needs their own, with your lender named. A gap can become your problem through the loan. - **You give up the upside.** If prices rise, the buyer keeps the gain. That can be a fair trade for relief now. Just make it knowingly. ## What happens if the buyer stops making the payments? If a subject-to buyer stops paying, your lender treats it as your default: late fees, late payments on your credit report, and eventually a foreclosure suit naming you. Your remedy against the buyer is the written agreement you signed, which is why it should give you the right to cure missed payments and a way to take the house back. - **First weeks.** A payment is missed. The servicer charges a late fee and contacts you, the borrower. - **Once it is 30 days or more past due.** The servicer may report it to the credit bureaus as late, under your name. - **Months later.** The lender can accelerate the loan and sue to foreclose in Superior Court. - **At judgment.** The court sets a Law Day or orders a sale, and the lender may then seek a deficiency judgment against you. Before any of that can start, you want three things in place: same-day **notice** of a missed payment, the **right to cure** it yourself and charge it back to the buyer, and a **way to get the house back**, such as a performance mortgage your attorney drafts, so you aren't paying for a house someone else owns. ## How can a seller protect themselves in a subject-to sale? A seller protects themselves in a subject-to sale by using a third-party loan servicer, keeping their own login to the mortgage account, signing a performance mortgage or agreement that lets them take the house back on default, requiring proper insurance, setting a payoff or refinance deadline, and closing with their own Connecticut attorney. Ask for each of these in writing: - **A third-party servicer.** The buyer pays a neutral company, which pays your lender and sends you proof every month. - **Your own access.** Keep your login to the lender's website and set alerts. Never hand over your password. - **A performance mortgage or deed-back agreement.** A recorded security document, or a deed held in escrow, that lets you recover the house on default. Deed-of-trust states call it a performance deed of trust. Connecticut uses mortgages, so your attorney picks the form. - **Insurance done right.** A policy that fits how the house will be used, such as a landlord policy for a rental, with your lender named as mortgagee and you named as an additional insured or interested party. Get a copy of every renewal. - **The loan current at closing.** Arrears paid through the attorney's account, using the servicer's reinstatement figure. - **The escrow account settled.** Agree who gets the tax and insurance escrow balance and who pays the next tax bill. - **A deadline and a plan.** A date to pay off or refinance, and what happens if the lender calls the loan. - **Reserves.** Some sellers ask for a few months of payments held in an attorney's escrow account. Ask. - **Your own attorney.** Connecticut closings are handled by attorneys. The [Connecticut Bar Association](https://www.ctbar.org/public/lawyer-referral-service) can refer you to one. - **A check on the buyer.** Proof of funds, houses they have bought before (deeds are public) and real reviews. See [how to check a cash home buyer in Connecticut](/how-to-check-a-cash-home-buyer-connecticut/). One question that sorts buyers fastAsk: "Will the payments go through a third-party servicer, and will I see every one?" A buyer who wants to protect you says yes without hesitating. "Just trust us" tells you what you need to know. ## How is the price worked out in a subject-to sale, and what do I walk away with? In a subject-to sale, the price is usually your remaining loan balance plus any arrears the buyer pays, plus whatever cash you agree on. Many sellers walk away with little cash, because the point is relief from the loan, not a payout. You still pay normal Connecticut seller costs, including the conveyance tax under CGS 12-494 and your attorney. There is no standard formula. It depends on the as-is value, what you owe, how far behind you are, your interest rate and the repairs. Ask to see how the buyer got to their number, as with any [fair offer for your house](/fair-offer-for-my-house/). Composite example. Round, illustrative numbers, not a real customer and not a promise. A house might be worth $300,000 fixed up and need $30,000 of work. The owner owes $275,000 and is three payments, about $6,000, behind. Listed, after repairs, commission and conveyance tax, little or nothing is left, and the arrears grow while it sits. Subject-to, the buyer pays the $6,000 at closing, pays an agreed amount toward moving, and takes over the payments. The owner is out from under the house, but the $275,000 loan stays in their name until the buyer refinances or sells. **Conveyance tax.** On most Connecticut home sales the seller pays a state tax of 0.75% of the price up to $800,000 plus a town tax of 0.25%, and some towns add up to another 0.25% (CGS 12-494). How the price is measured on a subject-to deed is a question for your closing attorney. A transfer of your principal residence where the price can't cover the mortgages and certain priority municipal liens can be exempt (CGS 12-498(a)(20)). See [the Connecticut conveyance tax by town](/connecticut-conveyance-tax/). **Income tax.** Selling with a loan still in your name can have tax effects that aren't obvious. Ask a tax professional before you sign. ## What is a wraparound mortgage, and how is it different from subject-to? A wraparound mortgage, or "wrap", is seller financing: you sell and carry a new loan for the buyer that "wraps around" your existing mortgage. The buyer pays you and you keep paying your lender. Unlike a plain subject-to sale, you become a lender, which can bring in federal and state loan-originator rules. The due-on-sale risk is the same. On top of it, financing a homebuyer can fall under the federal SAFE Act (12 U.S.C. § 5101 and following) and the Truth in Lending loan-originator rules (12 CFR § 1026.36), which have narrow exclusions for sellers who finance one or a few properties a year. Connecticut licenses loan originators too (CGS 36a-486). We cover this in [is owner financing a good idea for the seller](/is-owner-financing-a-good-idea-for-the-seller-in-connecticut/), [six owner financing tips for sellers](/6-owner-financing-tips-for-sellers-in-connecticut/) and [owner financing when you still have a mortgage](/can-i-do-owner-financing-in-killingworth-ct-if-i-have-a-mortgage-on-the-property/). ## Is selling subject-to right for me? Selling subject-to may be right for you if you have little equity, need relief from the payments now, and can accept the loan staying in your name for a while. It is probably not right if you have solid equity, need cash from the sale, plan to borrow again soon, or can't live with someone else's payments affecting your credit. #### It may fit if… - You owe close to what the house is worth, or more - A listing would cost you money at closing - You are behind and need the arrears caught up - You must move now and can't carry two payments - You don't plan to apply for a mortgage soon - You will insist on a servicer, account access and your own attorney #### Choose something else if… - You have real equity and want it in cash - The house is in good shape and you have a few months - You plan to buy again with a mortgage soon - You have a VA loan and want your entitlement back - The buyer won't put protections in writing - Your lender has offered a workable modification Ask your servicer two things first. **Is my loan assumable?** FHA and VA loans can often be formally assumed by a qualified buyer with the lender's approval (24 CFR § 203.512 for FHA). **What loss-mitigation options do I have?** A modification, forbearance or short sale may fix the problem without leaving a loan in your name. Two other routes keep the deal simpler. In a [lease option or rent-to-own](/lease-option-rent-to-own/), you stay the owner and lease the house with an option to buy later. In a [novation, or fix-and-list sale](/novation-real-estate/), the house is repaired and sold on the open market, and your loan is paid off at that closing. ## How does subject-to compare with a cash sale and listing with an agent? Subject-to compares with a cash sale and a listing mainly on what you keep afterward. A cash sale and a listing both pay off your loan at closing, so you walk away clean. Subject-to leaves the loan in your name, in exchange for a sale that can work when there isn't enough equity for the other two. | | Subject-to sale | Cash sale | Listing with an agent | | --- | --- | --- | --- | | Your loan after closing | Stays in your name | Paid off | Paid off | | Works with little or no equity | Often | Rarely | Rarely, without bringing cash | | Cash to you at closing | Usually little | Investor price, as-is | Usually the most, for a house in good shape | | Speed | Weeks | Often about two weeks | Months | | Repairs and showings | None | None | Usually needed | | Commission | None | None | Yes | | Credit and due-on-sale risk after closing | Yes | None | None | | Best for | Thin equity, need relief now | Speed, repairs, certainty | Updated houses, no deadline | More on the last two columns: [cash buyer vs. realtor in Connecticut](/cash-buyer-vs-realtor-connecticut/). ## When is listing with an agent better than selling subject-to? Listing with an agent is better than selling subject-to when you have enough equity to pay the commission and closing costs and still walk away with money, your house is in reasonable shape, and you have a few months. A listing pays off your loan at closing and ends your risk. Subject-to only makes sense when that clean exit isn't available. Do the math honestly: a realistic sale price, minus what you owe, the commission, the conveyance tax, your attorney and any repairs or concessions. If a meaningful positive number is left and you have no hard deadline, list it. The costs are laid out in [the costs of listing with an agent in Connecticut](/costs-of-listing-with-an-agent-connecticut/). A listing is also better if you plan to buy again soon, or if the only reason you're considering subject-to is that someone called and pitched it. And if the house needs heavy work but you have equity, a straight cash sale may beat both. See [selling a house that needs repairs in Connecticut](/sell-house-needs-repairs-connecticut/). ## How does subject-to fit common Connecticut situations? Subject-to fits some Connecticut situations better than others. It comes up most for owners behind on payments, owners who must relocate with little equity, and landlords ready to be done with a rental. For an inherited house, the family transfer has its own federal protection, but a later sale to an investor does not. - **Inherited house.** A transfer to a relative because the borrower died is protected (12 U.S.C. § 1701j-3(d)(5)). A later sale by the heirs to an investor is not. See [selling an inherited house in Connecticut](/sell-inherited-house-connecticut/). - **Rental with tenants.** The buyer becomes the landlord. Your tenants' security deposits, with interest, must be handed to the new owner (CGS 47a-21), and tenants must be told in writing who manages the property and receives notices (CGS 47a-6). See [selling a rental property with tenants in Connecticut](/sell-rental-property-with-tenants-connecticut/). - **Facing foreclosure.** The sale has to close well before Law Day, with the arrears paid. Talk to an attorney the same week you consider it. ## How do we handle a subject-to purchase in Connecticut? When we offer to buy a Connecticut house subject-to, we say so plainly in a written offer, explain the due-on-sale risk before you sign, and close through a Connecticut attorney, and we encourage you to bring your own. If a straight cash sale or a listing would serve you better, we tell you that instead. We Buy Houses In Connecticut, LLC has bought Connecticut houses since 2016. Subject-to is one way we can buy, alongside cash, seller financing, lease options, fix-and-list partnerships and matching you with a buyer. Whichever you choose: - A written offer that names the option. "Subject-to" is in the paperwork in plain words. - We go through every protection on this page and put the ones you want into the agreement. - A Connecticut attorney handles the closing. Your own attorney is welcome. - No fees from you to us, no pressure and no expiring offers. - If another route is better for you, we say so. Use [the protection checklist](#protect) on us, and check us out on our [company page](/legitimate-house-buyers-in-ct/). ## Questions sellers ask about subject-to **Q: What does "subject to" mean in real estate?** In real estate, "subject to" means a buyer takes the deed subject to the existing mortgage, without paying it off or formally assuming it. The buyer makes the payments, but the loan stays in the seller's name, and the seller remains the borrower the lender can collect from. **Q: Is buying or selling subject-to legal?** Generally yes. We found no federal or Connecticut law that bans a subject-to sale. But it usually violates the mortgage's due-on-sale clause, which lenders may enforce under 12 U.S.C. § 1701j-3. That is a contract risk, not a crime. Have your own attorney review the agreements. **Q: Will my lender find out?** It may. The deed is recorded publicly and the insurance changes. Don't sign anything that depends on the lender never finding out. Plan for what happens if it does. **Q: What happens if the lender calls the loan due?** The full balance becomes payable. If nobody pays it, the lender can foreclose, naming you as the borrower. Your agreement should require the buyer to refinance or pay off within a set time, or deed the house back with the loan current. **Q: Does a subject-to sale affect my credit?** Yes. The loan stays on your credit report, so on-time payments help and late ones hurt you, even though you no longer own the house. Most negative items can stay on a report for up to seven years under the Fair Credit Reporting Act. **Q: Can I buy another house after selling subject-to?** Possibly, but a new lender will see the old mortgage. Whether it counts against you depends on that lender's rules and your proof that someone else has been paying. If you plan to buy soon, talk to a lender before you sign. **Q: Can I get my house back if the buyer stops paying?** Only if your agreement gives you a way to, such as a performance mortgage or deed-back agreement drafted by your attorney. Without one, you could owe on a house someone else owns. **Q: Is subject-to the same as assuming a mortgage?** No. In a formal assumption, the lender approves the buyer, who becomes responsible for the loan, sometimes with you released. In a subject-to sale, the lender approves nothing and you stay responsible. FHA and VA loans are often assumable with approval, so ask your servicer. **Q: Do I pay conveyance tax on a subject-to sale in Connecticut?** Usually yes. The seller pays Connecticut's conveyance tax when the deed is recorded (CGS 12-494). How the price is measured on a subject-to deed, and whether an exemption applies, is a question for your closing attorney. **Q: Can I sell subject-to if I'm in foreclosure in Connecticut?** Sometimes, if the sale closes before Law Day and the arrears are paid so the lender stops the case. Timing is tight, and moving out may affect your eligibility for foreclosure mediation. Talk to a Connecticut attorney right away. **Q: Do I need an attorney for a subject-to sale?** Yes. Connecticut closings are handled by attorneys, and a subject-to sale needs extra documents: the performance agreement, servicing agreement, insurance terms and a plan if the loan is called. Your own attorney protects you, not the buyer. ## Related guides - [Every way we can buy a Connecticut house](/ways-we-buy-houses-connecticut/) - [How investors buy houses: the wholesaling guide](/what-is-real-estate-wholesaling/) - [Lease option and rent-to-own](/lease-option-rent-to-own/) - [Novation in real estate: the fix-and-list sale](/novation-real-estate/) - [Cash buyer vs. realtor in Connecticut](/cash-buyer-vs-realtor-connecticut/) - [Selling your house before foreclosure in Connecticut](/sell-house-foreclosure-connecticut/) Want to know which options fit your house? [Get your written offer](/sell-your-house-in-connecticut/), or call Jerryll at [(203) 529-4712](tel:+12035294712). ## Sources - [12 U.S.C. § 1701j-3](https://www.law.cornell.edu/uscode/text/12/1701j-3) (preemption of due-on-sale prohibitions, Garn–St Germain Act). - [12 CFR § 191.5](https://www.law.cornell.edu/cfr/text/12/191.5) (limits on exercising due-on-sale clauses; prepayment penalty bar). - [12 CFR § 1024.31](https://www.law.cornell.edu/cfr/text/12/1024.31) (mortgage servicing definitions, including successor in interest). - [15 U.S.C. § 1681c](https://www.law.cornell.edu/uscode/text/15/1681c) (Fair Credit Reporting Act: reporting periods for adverse items). - [Connecticut General Statutes chapter 846, Mortgages](https://www.cga.ct.gov/current/pub/chap_846.htm) (CGS 49-10a payoff statements, 49-14 deficiency judgments, 49-24 foreclosure by sale, 49-31k foreclosure mediation). - [Connecticut Judicial Branch: Foreclosure Mediation Program](https://www.jud.ct.gov/foreclosure/). - [CGS §§ 12-494 and 12-498](https://www.cga.ct.gov/current/pub/chap_223.htm) (real estate conveyance tax and exemptions). - [CGS § 20-329aaa](https://www.cga.ct.gov/2026/sup/chap_392a.htm) (Connecticut real estate wholesaler definitions, effective July 1, 2026). - [CGS § 47a-21](https://www.cga.ct.gov/current/pub/chap_831.htm) (security deposits, including transfer to a successor landlord) and [CGS § 47a-6](https://www.cga.ct.gov/current/pub/chap_830.htm) (identification of landlord). - [CGS § 36a-486](https://www.cga.ct.gov/current/pub/chap_668.htm) (Connecticut mortgage loan originator licensing). - [12 U.S.C. § 5101](https://www.law.cornell.edu/uscode/text/12/5101) (SAFE Mortgage Licensing Act). - [12 CFR § 1026.36](https://www.law.cornell.edu/cfr/text/12/1026.36) (Truth in Lending: loan originator rules and seller-financer exclusions). - [24 CFR § 203.512](https://www.law.cornell.edu/cfr/text/24/203.512) (FHA: assumption and creditworthiness review). - [U.S. Department of Veterans Affairs: home loan eligibility and restoration of entitlement](https://www.benefits.va.gov/homeloans/eligibility.asp). - [Connecticut Bar Association: lawyer referral service](https://www.ctbar.org/public/lawyer-referral-service).