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mortgages Buying a Home - Connecticut Real Estate

Buying a Home - Connecticut mortgages, down payment assistance and first time home buyer grants for buying Connecticut real estate.

Research the available Connecticut mortgages and home loan programs for buying Connecticut real estate.

Bookmark this page for your home buying reference and email this page to the next person you know who will be buying Connecticut real estate.    


Government grants for buying a home

Here are some links for government grants for buying a home in Connecticut.

Statewide Home Buyer Programs

The Connecticut Housing Finance Authority offers several home buying assistance programs http://www.chfa.org/FirstHome/firsthome.asp

Rural Services Homeownership Program - a state/federal partnership to provide decent living quarters for rural Americans of very low to moderate income.
http://www.chif.org/owner_borrowers/index.shtml

Connecticut Affiliates of Habitat for Humanity - Habitat for Humanity has affiliates at several locations throughout the state, and brings families and communities in need together with volunteers and resources to build decent, affordable housing.
http://www2.habitat.org/local

The U.S. Department of Agriculture, Southern New England Rural Development Office offers a variety of homebuyer assistance programs
http://www.rurdev.usda.gov/ma/housing.htm

The Connection, Inc. Housing Programs
http://www.theconnectioninc.org/serv05.htm

Local home buying Programs - many cities and local organizations also offer homeownership assistance programs.

City of Hartford - offers several home improvement and home buying assistance programs
http://www.ci.hartford.ct.us

City of Meriden - offers both first-time homebuyer assistance and home improvement loan programs
http://www.cityofmeriden.com

City of Middletown - offers both homebuyer assistance and home improvement programs http://www.cityofmiddletown.com

City of Stamford - offers both homebuyer assistance and home improvement programs http://www.cityofstamford.org

Town of Fairfield - offers both homebuyer assistance and home improvement programs http://www.fairfieldct.org/ecdev.htm

Town of Manchester - offers homeownership program
http://www.ci.manchester.ct.us

Town of West Hartford - housing rehabilitation program featuring both grants and low-interest loans
http://www.west-hartford.com

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Down payment assistance 

Below are down payment assistance programs that may be used to buy a home in Connecticut.

Nehemiah - down payment assistance program for buying a home with no money down.

HART - down payment assistance program allows you to buy a home with no money down.

Neighborhood gold - this is another down payment assistance program that allows you to buy a home with no money down.

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Bad credit loans for buying a home or refinancing.

There are many mortgage lenders who specialized in bad credit loans for buying a home in Connecticut or refinancing. Use the link below to complete a form from our partner LendingTree and receive offers from lenders who maybe able assist you.

Bad Credit Mortgage Loans - these types of mortgages are for those individuals  with the following types of issues:

  • bankruptcy in the last 2 years

  • foreclosure in the last 3 years

  • low credit scores below 620

(not sure what your credit score is, get a Free Credit Score at TransUnion )

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Mortgages and Home Loans

These website can assist your with obtaining mortgages for buying a home in Connecticut.

FHA loans - government insured mortgages that allow you to buy a home with only 3% down payment.

VA loans - if you are a veteran, you may buy a home with no money down.

Conventional Loans - any mortgage loan that requires 5% down payment and is less than $417,000 for a single family home.

Jumbo Loans - any mortgages where the loan amount is higher than $417,000 for a single family home.

Mortgage calculators - this site has information regarding fannie mae and freddie mac conventional loans and loan calculators.

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Mortgage Calculator

Use this mortgage calculator to calculate the monthly mortgage payment based on the required loan amount, current mortgage rates, and loan term of various types of mortgages you research on this page.

Following are instructions to calculate a mortgage for buying a home:

  1. Subtract your estimated down payment from the price of the home you wish to buy and enter the value in "Loan Amount" (Remember that if the down payment is less than 20% of the sale price you will have the added expense of Mortgage Insurance which is not figured into this calculation.)
  2. Estimate Annual Property Tax and Homeowners Insurance and enter these values.
  3. Each time you change a value hit "Calculate Now" to see what the effect is. 
Put Inputs Here

Years: 

Interest: 

Loan Amount:

Annual Tax:

Annual Insurance:

Results

Monthly Principle + Interest

Monthly Tax

Monthly Insurance

Total Payment

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Connecticut Real Estate of Homes for Sale

Now that you understand the home buying process and have been pre-approved for a mortgage loan get started searching  Connecticut real estate of homes for sale.

Complete the form below for direct access to the following types of Connecticut real estate listings:

  • Connecticut Real Estate Listings and MLS
  • Connecticut HUD Homes
  • Connecticut For Sale By Owner Homes
  • Connecticut New Homes for Sale
  • Connecticut Foreclosure Homes for Sale
Access Connecticut Real Estate Listings

You will get free unlimited access to search Connecticut real estate listings and as an added benefit for signing up you will receive all of the free home buying guides via email. If you feel that this site is beneficial, please email this page to the next person you know that may be thinking of buying a home.

 

First & Last Name

Email Address

How soon will you be buying a home?


You will be sent an email with all of the home buying guides and checklists available for downloading shortly. You will automatically be redirected to the real estate homes for sale research page.

May we contact you via email

 

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