Securing a mortgage in Connecticut means navigating a demanding real estate landscape defined by competitive purchase markets, high home values, and local municipal property tax mill rates. For first-time homebuyers, moderate-income families, and community service professionals, the Connecticut Housing Finance Authority (CHFA) serves as the state’s primary engine for affordable homeownership. By issuing state-backed, tax-exempt mortgage revenue bonds, CHFA lowers the barrier to entry with below-market 30-year fixed interest rates, minimal down payment requirements, and aggressive equity injection programs. Because CHFA does not lend money directly to consumers, borrowers must work through state-approved participating banks, credit unions, and direct mortgage bankers. These specialized lenders are trained in state bond guidelines to process, underwrite, and close your loan package.
High-Impact CHFA Programs & Assistance Funds
Working with an approved CHFA lender unlocks dedicated financing programs tailored to your financial profile and location:
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HFA Preferred™ & Homebuyer Mortgages: 30-year fixed-rate conventional and government-insured (FHA, VA, USDA) loans featuring subsidized, below-market interest rates with down payments as low as 3% on conventional products or 0% for qualified veterans.
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Time-to-Own Forgivable Down Payment Assistance: Connecticut’s landmark equity grant program providing substantial 0% interest, non-amortizing forgivable loans to cover up to 100% of down payments and closing fees for eligible borrowers, forgiven at 20% per year over five years of primary residency.
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Downpayment Assistance Program (DAP): Low-interest secondary financing engineered to bridge the cash gap at closing for buyers who need extra capital support.
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Targeted Profession & Area Discounts: Additional rate reductions (typically 0.125% to 0.25% off standard CHFA rates) for public school teachers, police officers, military service members, and buyers purchasing in designated federally targeted revitalization zones. Qualifying requires adhering to county-specific household income caps, staying within local purchase price limits, and completing a state-approved homebuyer education course prior to closing.
Fast-Track Your Connecticut Pre-Approval
Matching your financing needs with the right participating lender is the difference between missing out on a property and winning the bid. State program funds and forgivable grants are allocated on specific criteria, and closing timelines depend heavily on lender expertise.
Get Pre-Approved for CHFA Programs Today
Connect directly with top-tier, licensed Connecticut CHFA loan specialists to check program eligibility, verify income caps, and secure down payment assistance before you start touring homes.
[Click Here to Contact Our Connecticut Mortgage Center for Fastest Results]
Total Mortgage Services, LLC 185 Plains Road, Milford, CT 06461 One of Connecticut’s most active direct mortgage bankers, originating loans across all 169 towns. Specializes in high-volume processing of CHFA HFA Preferred, FHA, and VA products. Maintains extensive experience deploying the state’s Time-to-Own down payment assistance program. Provides streamlined digital application tools backed by regional branch loan officers. Well-suited for first-time buyers seeking quick turnarounds and local underwriting. Phone: (203) 876-2200
First World Mortgage Corporation 127 Prospect Avenue, West Hartford, CT 06106 A perennial top-tier producer for CHFA residential lending across Connecticut. Offers dedicated in-house underwriting teams trained specifically on state bond guidelines. Excels in structuring complex income profiles for the CHFA Downpayment Assistance Program (DAP). Provides specialized loan programs for Connecticut teachers, police officers, and state workers. Operates strong community branches throughout Hartford, New Haven, and Fairfield counties. Phone: (860) 231-9799
Liberty Bank 245 deKoven Drive, Middletown, CT 06457 Connecticut’s oldest mutual savings bank with extensive branch coverage statewide. Combines community banking portfolio strength with direct access to CHFA subsidized rate locks. Maintains a major commitment to lending in modest-income and targeted municipal census tracts. Provides personalized, branch-based mortgage specialists to guide first-time homebuyers. Integrates CHFA first mortgages smoothly with local savings, checking, and banking products. Phone: (888) 570-0770
Thomaston Savings Bank 203 Main Street, Thomaston, CT 06787 A premier community mutual bank serving Western and Central Connecticut. Places heavy emphasis on Litchfield and New Haven county residential purchases. Underwrites CHFA loans with deep insight into local town mill rates and property assessments. Coordinates directly with regional non-profits for required homebuyer counseling certifications. Ideal for buyers purchasing single-family homes, historic properties, or 2-to-4 unit multis. Phone: (855) 344-1874
William Raveis Mortgage, LLC 7 Trap Falls Road, Shelton, CT 06484 Full-service mortgage banker tightly integrated with Connecticut’s largest regional real estate network. Handles high-volume CHFA conventional and government-insured purchase transactions. Advises first-time buyers on navigating regional purchase price caps in high-cost shoreline submarkets. Coordinates directly between real estate agents, state bond administrators, and closing attorneys. Maintains regional offices throughout Fairfield, New Haven, Hartford, and coastal Connecticut. Phone: (888) 699-8181
Movement Mortgage, LLC 80 Glastonbury Boulevard, Suite 101, Glastonbury, CT 06033 National non-bank lender with an expansive operational footprint across Connecticut. Utilizes an upfront digital underwriting model designed for rapid processing and milestone tracking. Fully approved to originate CHFA HFA Preferred, FHA, VA, and Time-to-Own financing packages. Offers dedicated Spanish-bilingual mortgage specialists across urban and suburban markets. Active in originating loans across Fairfield, New Haven, and Hartford county submarkets. Phone: (860) 430-5500
CrossCountry Mortgage, LLC 200 Glastonbury Boulevard, Suite 201, Glastonbury, CT 06033 Major direct lender with extensive local branch networks throughout Connecticut. Experienced in structuring combined CHFA first mortgages with state forgivable down payment assistance. Assists buyers with credit score optimization to meet minimum CHFA underwriting thresholds. Provides fast-track pre-approvals for buyers competing in tight Connecticut inventory conditions. Offers statewide coverage across Fairfield, New Haven, Hartford, and Middlesex counties. Phone: (860) 657-3000
Homestead Funding Corp. 116 Washington Avenue, Suite 4, North Haven, CT 06473 Regional mortgage banker with deep operational roots across Connecticut and New England. Specializes in government-backed and state housing finance authority loan programs. Regularly finances properties requiring minor rehabilitation alongside CHFA mortgage products. Provides clear borrower guidance for navigating state income eligibility and asset limits. Maintains regional production offices in North Haven, Danbury, and New London. Phone: (203) 234-7800
Coreplus Federal Credit Union 202 Salem Turnpike, Norwich, CT 06360 Member-owned financial cooperative serving Eastern Connecticut residents and workers. Offers low closing costs and member fee reductions paired with CHFA below-market rates. Specializes in rural housing combinations with USDA and CHFA structures. Assists modest-income families with dedicated credit counseling and budget planning. Provides localized processing and underwriting through community branches. Phone: (860) 886-0576
Newtown Savings Bank 39 Main Street, Newtown, CT 06470 Community-focused mutual savings bank with a strong lending footprint in Western Connecticut. Deeply experienced with CHFA lending for single-family homes, historic properties, and warrantable condos. Offers direct, branch-based underwriting tailored to local Fairfield and New Haven county markets. Guides first-time buyers through income limits and local municipal tax escrow requirements. Known for personalized relationship banking and local mortgage servicing. Phone: (800) 461-0672
Dime Bank 290 Salem Turnpike, Norwich, CT 06360 Long-standing mutual bank serving Southeastern Connecticut, Westerly, and the shoreline. Approved CHFA originator delivering below-market fixed interest rates and down payment assistance. Provides dedicated guidance on pairing military and municipal grants with state bond loans. Offers local loan decision-making to streamline documentation and accelerate closing dates. Serves first-time buyers across New London, Windham, and Middlesex counties. Phone: (860) 859-4300
Allpoints Mortgage, LLC 100 West Main Street, Avon, CT 06001 Specialized Connecticut mortgage brokerage authorized to originate and process CHFA products. Offers extensive wholesale shopping capabilities to match borrowers with favorable participating investor terms. Assists clients with non-standard income structures and credit enhancement to secure CHFA approval. Known for hands-on, high-touch consultation throughout the Farmington Valley and Central CT. Coordinates complete down payment assistance packages including Time-to-Own and DAP. Phone: (860) 674-0010
Northeast Financial, LLC 48 Elm Street, Suite 5, Middlefield, CT 06455 Independent boutique mortgage brokerage authorized to originate CHFA loan packages. Offers tailored wholesale shopping to match clients with appropriate participating wholesale lenders. Provides detailed guidance on navigating complex debt-to-income (DTI) calculations under CHFA. Handles residential home purchases as well as specialized property financing options. Serves borrowers throughout Central Connecticut and the Middlesex County corridor. Phone: (860) 788-7237
Fairway Independent Mortgage Corporation 224 Berlin Turnpike, Berlin, CT 06037 National retail mortgage lender with strong local branch representation throughout Central Connecticut. Well-versed in originating CHFA conventional, FHA, and VA home loan packages. Provides dedicated military mortgage specialists for veterans accessing state bond advantages. Delivers rapid digital pre-approval processing with local loan officer oversight. Active in pairing buyers with the Connecticut Time-to-Own down payment assistance grant. Phone: (860) 828-5626
Guaranteed Rate, Inc. 67 North Main Street, Essex, CT 06426 Full-service national mortgage banker maintaining retail loan production offices across Connecticut. Integrates proprietary digital loan intake systems with state housing bond program guidelines. Focuses on speed and competitive closing timelines for first-time home purchases. Offers access to CHFA HFA Preferred, FHA, and statewide second mortgage down payment programs. Serves buyers across Fairfield, Middlesex, New Haven, and New London counties. Phone: (860) 581-5020
Webster Bank 100 Elm Street, Waterbury, CT 06702 Major regional commercial bank founded in Connecticut with comprehensive statewide retail presence. Originates CHFA residential loans alongside a complete suite of retail and wealth products. Strong commitment to community development lending in Connecticut’s primary metropolitan centers. Provides structured guidance on combining CHFA terms with regional municipal homebuyer subsidies. Maintains extensive branch networks across all eight geographic counties. Phone: (800) 325-2424
Union Savings Bank 226 Main Street, Danbury, CT 06810 Leading community mutual savings institution serving Western Connecticut and the Housatonic Valley. Dedicated to financing affordable homeownership with CHFA first and second mortgage products. Provides local credit underwriting and in-house loan servicing for area home purchasers. Highly experienced with local property appraisal nuances across Greater Danbury and Litchfield County. Delivers individual homebuyer counseling support throughout the application cycle. Phone: (860) 868-0551
Savings Bank of Danbury 220 Main Street, Danbury, CT 06810 Mutual savings bank with an active lending footprint across Fairfield, Litchfield, and New Haven counties. Approved originator for CHFA standard home loans and targeted profession discount programs. Assists low- and moderate-income borrowers in qualifying for down payment assistance. Offers direct communication with regional loan underwriters who know the local market. Provides long-term residential mortgage options with low processing overhead. Phone: (203) 743-3849
Northwest Community Bank 86 Main Street, Winsted, CT 06098 Community mutual bank serving the Litchfield Hills, Farmington Valley, and Central Connecticut. Provides focused, personalized underwriting for CHFA home purchases and renovations. Specializes in rural single-family properties, historic homes, and smaller multi-unit residences. Coordinates smoothly with state housing authorities on DAP second mortgage funding. Delivers community-focused service through local branches in Winsted, Torrington, and Avon. Phone: (860) 379-7561
Essex Savings Bank 35 Plains Road, Essex, CT 06426 Independent mutual savings bank serving the lower Connecticut River Valley and shoreline. Originates CHFA fixed-rate loans for first-time buyers and growing families in coastal towns. Prioritizes relationship banking with conservative, common-sense loan review processes. Provides dedicated loan officers to assist buyers through state bond program qualifications. Connects borrowers with local housing counseling resources to complete required CHFA classes. Phone: (860) 767-4410
Milford Bank 33 Broad Street, Milford, CT 06460 Historic mutual savings bank with a strong concentration across coastal New Haven County. Approved participating lender for CHFA conventional, FHA, and down payment grant programs. Assists local municipal workers, healthcare staff, and teachers with targeted CHFA discounts. Provides hands-on assistance navigating coastal property insurance and local property tax escrows. Delivers local decision-making and responsive, community-centered customer care. Phone: (203) 783-5700
Jewett City Savings Bank 111 Main Street, Jewett City, CT 06351 Community mutual savings institution serving Eastern Connecticut and rural border communities. Authorized to provide CHFA below-market mortgage financing and down payment assistance. Assists first-time homebuyers across New London, Windham, and Tolland counties. Specializes in financing single-family homes and rural residential parcels. Offers personalized guidance through state income eligibility caps and purchase price rules. Phone: (860) 376-4444
Bankwell Bank 208 Elm Street, New Canaan, CT 06840 High-touch commercial and community bank serving Fairfield County and New Haven County. Originates state-sponsored CHFA financing for qualifying modest-income and workforce buyers. Balances commercial banking efficiency with personalized residential mortgage solutions. Assists borrowers in navigating high-cost housing markets and regional CHFA limit exceptions. Provides localized branch service with direct access to senior lending officers. Phone: (203) 972-3838
Guilford Savings Bank 44 Boston Street, Guilford, CT 06437 Community mutual bank serving the shoreline and Greater New Haven since 1875. Approved originator for CHFA fixed-rate mortgages and state equity injection programs. Focuses on expanding accessible home financing across shoreline and suburban communities. Pairs state-subsidized rates with transparent local closing fee structures. Delivers customized mortgage guidance through experienced local residential lenders. Phone: (203) 453-2721
Nutmeg State Financial Credit Union 520 Cromwell Avenue, Rocky Hill, CT 06067 Member-owned credit union serving consumers and municipal workers across Central Connecticut. Offers CHFA home loans designed to reduce out-of-pocket settlement expenses for buyers. Provides financial education and credit rehabilitation tools to help members qualify for CHFA. Coordinates the Time-to-Own down payment grant alongside low-rate first mortgage programs. Maintains accessible branches across Hartford, Middlesex, and New Haven counties. Phone: (860) 513-5000
Charter Oak Federal Credit Union 1055 River Road, Groton, CT 06340 The largest credit union in Eastern Connecticut, serving New London and Windham counties. Active participant in CHFA state-subsidized home loan and down payment assistance programs. Specializes in assisting military families from Naval Submarine Base New London. Delivers competitive member rate structures paired with state affordable housing bond products. Provides localized loan processing and dedicated homebuyer education workshops. Phone: (860) 446-0181
Sikorsky Financial Credit Union 1000 Oronoque Lane, Stratford, CT 06614 Major regional credit union serving aerospace workers, public employees, and consumers statewide. Fully approved to deliver CHFA affordable mortgage financing and down payment assistance. Focuses on low closing costs and flexible member underwriting criteria. Guides buyers through eligibility for CHFA targeted profession discount incentives. Operates community branches across Fairfield, New Haven, and Hartford counties. Phone: (888) 728-6667
Affinity Federal Credit Union 111 Founders Plaza, East Hartford, CT 06108 Full-service financial cooperative offering specialized residential mortgage programs in CT. Participates in CHFA mortgage lending to support affordable workforce housing initiatives. Provides digital application tracking backed by personalized mortgage loan consultants. Assists first-time buyers with grant coordination and state bond loan compliance. Focuses on structured financial wellness and long-term homeownership stability. Phone: (800) 325-0808
Seasons Federal Credit Union 524 South Main Street, Middletown, CT 06457 Community-centered credit union serving Middlesex County and the surrounding region. Approved to originate CHFA first mortgages and secondary down payment assistance loans. Offers personalized coaching to help first-time buyers meet CHFA income and credit standards. Focuses on affordable lending for teachers, healthcare workers, and local municipal staff. Provides member-centric closing services with minimal administrative overhead. Phone: (860) 346-6614
Finex Credit Union 202 Forbes Street, East Hartford, CT 06108 Progressive community credit union offering affordable housing loan solutions in Central CT. Approved CHFA originator delivering below-market fixed interest rates to eligible members. Coordinates state down payment assistance programs including Time-to-Own and DAP. Assists borrowers in reviewing county-specific purchase price limits and income criteria. Emphasizes modern digital loan management paired with personal relationship banking. Phone: (860) 282-0001
Dutch Point Credit Union 195 John Downey Drive, New Britain, CT 06051 Community credit union with strong operational roots across Hartford and Middlesex counties. Delivers CHFA residential mortgage products tailored for modest-income working families. Specializes in first-time buyer consultations and down payment grant packaging. Provides clear, step-by-step guidance through homebuyer education certificate requirements. Operates branch offices in Wethersfield, Newington, Berlin, and Bloomfield. Phone: (860) 563-2617
Eastern Connecticut Savings Bank 257 Main Street, Norwich, CT 06360 Dedicated mutual savings bank serving Eastern Connecticut communities for over a century. Authorized CHFA participating lender providing subsidized 30-year fixed home loans. Experienced in financing single-family homes and 2-unit multi-family properties under CHFA. Works closely with local community development programs and regional down payment grants. Provides in-house loan servicing and direct access to local loan officers. Phone: (860) 425-0120
PrimeLending 100 Western Boulevard, Glastonbury, CT 06033 Established national mortgage banker with dedicated retail lending branches across CT. Specializes in government-backed and state housing agency mortgage products. Offers comprehensive loan options under CHFA HFA Preferred, FHA, VA, and USDA programs. Guides first-time buyers through rapid automated underwriting and fast pre-approvals. Active in deploying state forgivable down payment assistance funds for qualified buyers. Phone: (860) 657-1170
loanDepot 100 Pearl Street, 14th Floor, Hartford, CT 06103 Major non-bank retail mortgage lender with strong presence in Connecticut’s urban hubs. Approved to originate CHFA residential loan products and secondary financing options. Integrates modern digital mortgage tools with local loan officer consultation. Assists buyers with navigating state income limits and target area purchase opportunities. Operates regional production offices serving Fairfield, Hartford, and New Haven counties. Phone: (860) 313-4400
Embrace Home Loans 1224 Mill Street, Building B, Suite 210, East Berlin, CT 06023 Regional mortgage banker serving New England homebuyers with tailored loan programs. Authorized CHFA participating lender offering conventional and government loan structures. Provides high-touch customer support throughout the state bond loan underwriting phase. Experienced in pairing the Connecticut Time-to-Own program with primary mortgages. Maintains local lending offices dedicated to Central Connecticut real estate markets. Phone: (860) 829-8700
Guild Mortgage Company 290 Roberts Street, Suite 203, East Hartford, CT 06018 Direct residential mortgage banker focusing on comprehensive first-time homebuyer options. Fully approved to originate CHFA HFA Preferred, FHA, VA, and state DAP loans. Provides specialized underwriting support for buyers with non-traditional credit histories. Offers fast pre-approval workflows to help buyers compete in tight inventory markets. Serves homebuyers across Hartford, Tolland, and Middlesex counties. Phone: (860) 282-3500
Bay Equity Home Loans 700 Plaza Middlesex, Middletown, CT 06457 Full-service retail mortgage banker with experienced branch teams across Connecticut. Approved originator of CHFA affordable housing mortgages and state down payment grants. Delivers personalized consultation for military veterans and public sector workers. Focuses on transparent communication and reliable closing timelines for purchase deals. Operates lending offices serving Central and Shoreline Connecticut communities. Phone: (860) 788-3444
Envoy Mortgage 200 Glastonbury Boulevard, Suite 102, Glastonbury, CT 06033 Retail mortgage lending institution offering extensive government and agency loan programs. Fully authorized to process and close CHFA first mortgages and down payment assistance. Provides hands-on assistance with income qualification calculations and documentation. Experienced in urban housing revitalization purchases and suburban residential deals. Maintains local production offices serving Hartford and New Haven county markets. Phone: (860) 657-8080
Academy Mortgage Corporation 100 Corporate Place, Suite 101, Rocky Hill, CT 06067 National independent mortgage lender with established retail branches across Connecticut. Approved CHFA participating lender specializing in low-down-payment purchase loans. Guides first-time homebuyers through eligibility requirements for the Time-to-Own grant. Offers direct access to local loan officers and dedicated processing staff. Serves clients throughout Central Connecticut and the Farmington Valley. Phone: (860) 563-3000
CMG Home Loans 100 Pearl Street, Suite 400, Hartford, CT 06103 Innovative national mortgage banking firm with direct lending operations statewide. Authorized to originate CHFA subsidized 30-year fixed-rate conventional and FHA loans. Offers digital loan portals to streamline document collection for state bond programs. Assists buyers in identifying targeted area purchase opportunities for expanded benefits. Provides responsive loan origination teams across Hartford, Fairfield, and New Haven counties. Phone: (860) 249-7000
Finance of America Mortgage 65 LaSalle Road, Suite 204, West Hartford, CT 06107 Full-service residential mortgage company offering diversified home financing products. Approved originator for CHFA first-time homebuyer and down payment assistance loans. Delivers specialized support for public service workers qualifying for targeted discounts. Focuses on structured loan packaging to expedite state housing bond approvals. Serves buyers across Central Connecticut, Hartford County, and the Farmington Valley. Phone: (860) 521-4000
M&T Bank 850 Main Street, Bridgeport, CT 06604 Major regional commercial bank with an extensive retail branch presence across Connecticut. Approved CHFA lender providing conventional and government-backed affordable mortgages. Deeply committed to community revitalization lending in Bridgeport, New Haven, and Hartford. Offers full retail banking integration alongside state-subsidized home financing products. Provides accessible branch loan officers throughout all eight Connecticut counties. Phone: (800) 724-2440
Citizens Bank 530 Preston Avenue, Meriden, CT 06450 National retail banking institution with an expansive physical branch network across the state. Originates CHFA residential mortgages alongside federal and regional loan programs. Assists first-time homebuyers with income qualification and down payment grant packaging. Delivers integrated financial tools and banking relationships for prospective buyers. Operates full-service branch offices in major towns and shopping corridors statewide. Phone: (800) 922-9999
Santander Bank 280 Trumbull Street, Hartford, CT 06103 Retail banking corporation serving Connecticut with a broad branch and ATM infrastructure. Approved to originate CHFA below-market mortgage loans for qualified low-income households. Provides structured guidance on local housing finance initiatives and down payment programs. Balances retail branch accessibility with experienced residential mortgage specialists. Serves urban and suburban communities across Hartford, New Haven, and Fairfield counties. Phone: (877) 768-2265
KeyBank 100 Pearl Street, Hartford, CT 06103 Major commercial bank offering dedicated community development mortgage solutions. Authorized CHFA participating lender providing affordable purchase financing statewide. Focuses on community reinvestment and financial education for first-time buyers. Combines CHFA first mortgages with proprietary community down payment assistance grants. Maintains convenient retail branches across Central, Northern, and Western Connecticut. Phone: (800) 539-2968
TD Bank 203 Broad Street, Milford, CT 06460 Prominent East Coast commercial bank with extensive seven-day branch banking in CT. Participates in CHFA state-subsidized lending programs to support accessible homeownership. Offers structured conventional and government mortgage products tailored to first-time buyers. Assists borrowers with navigating regional income caps and purchase price restrictions. Maintains retail banking locations across Fairfield, New Haven, Hartford, and Middlesex counties. Phone: (888) 751-9000
PNC Bank 100 Field Point Road, Greenwich, CT 06830 National banking organization offering comprehensive residential lending solutions in CT. Approved originator of CHFA mortgage programs and state down payment assistance loans. Provides dedicated mortgage officers to guide buyers through the state bond approval process. Focuses on expanding affordable lending opportunities in both urban and suburban markets. Operates retail branch locations throughout Fairfield, New Haven, and Hartford counties. Phone: (888) 762-2265
U.S. Bank 280 Trumbull Street, Suite 2200, Hartford, CT 06103 National financial institution authorized as a master servicer and participating CHFA lender. Delivers 30-year fixed-rate mortgage products backed by state housing finance bonds. Provides extensive operational experience with government-backed FHA, VA, and USDA loans. Assists first-time buyers through established mortgage production teams across Connecticut. Offers integrated banking tools and competitive home financing solutions. Phone: (800) 872-2657
Newrez 116 Washington Avenue, North Haven, CT 06473 Leading national mortgage lending and servicing company with regional CT operations. Authorized CHFA originator offering HFA Preferred and government loan options. Provides modern digital application portals backed by regional mortgage consultants. Experienced in structuring down payment grants including the Connecticut Time-to-Own program. Serves purchase clients throughout New Haven, Hartford, and Fairfield counties. Phone: (203) 234-9200
Caliber Home Loans 290 Roberts Street, Suite 102, East Hartford, CT 06108 Full-service national mortgage banker providing specialized state housing bond financing. Approved to originate CHFA conventional, FHA, VA, and down payment assistance loans. Offers dedicated loan officers experienced in veteran and military mortgage benefits. Focuses on fast loan approvals and structured underwriting compliance for first-time buyers. Operates lending branches serving Central Connecticut and the shoreline region. Phone: (860) 282-1200
Plaza Home Mortgage 100 Western Boulevard, Glastonbury, CT 06033 Wholesale and retail mortgage banking firm approved to process CHFA housing programs. Offers broad financing options under CHFA HFA Preferred and state second mortgages. Works closely with mortgage brokers and direct borrowers to navigate program criteria. Specializes in efficient loan underwriting for first-time home purchases statewide. Provides lending coverage across Hartford, Middlesex, and New Haven counties. Phone: (860) 657-9800
Cornerstone Home Lending 65 LaSalle Road, Suite 305, West Hartford, CT 06107 National mortgage banker with personalized retail lending branches across Connecticut. Approved to originate CHFA subsidized first mortgages and down payment assistance. Offers high-touch borrower support and clear communication throughout the closing cycle. Assists clients with credit optimization and household income qualification under CHFA. Serves homebuyers across the Farmington Valley, Greater Hartford, and Fairfield County. Phone: (860) 521-8800
Sierra Pacific Mortgage 100 Corporate Place, Rocky Hill, CT 06067 National residential mortgage originator authorized to provide CHFA loan packages. Offers competitive 30-year fixed-rate financing backed by Connecticut state revenue bonds. Assists first-time buyers in coordinating DAP and Time-to-Own secondary loans. Provides dedicated loan officers to assist with municipal purchase price guidelines. Serves real estate buyers throughout Hartford, Tolland, and New Haven counties. Phone: (860) 563-7100
Evolve Bank & Trust 10 Waterside Drive, Suite 102, Farmington, CT 06032 Diversified banking institution offering specialized residential mortgage origination in CT. Authorized CHFA participating lender providing conventional and government loan structures. Delivers customized mortgage guidance for first-time homebuyers and community workers. Coordinates state down payment assistance programs to minimize borrower cash investment. Maintains regional mortgage offices serving Central Connecticut and the Farmington Valley. Phone: (860) 677-1000
Patriot Bank 900 Bedford Street, Stamford, CT 06901 Community-focused commercial bank anchoring lower Fairfield and New Haven counties. Approved originator of CHFA affordable housing programs for qualified area residents. Assists moderate-income buyers in navigating high-value Fairfield County real estate markets. Provides personalized, branch-based mortgage consultation and local loan oversight. Operates retail branches in Stamford, Norwalk, Greenwich, Fairfield, and Milford. Phone: (888) 728-7468
First County Bank 117 Prospect Street, Stamford, CT 06901 Independent mutual community bank serving lower Fairfield County for over 160 years. Authorized CHFA lender providing below-market mortgage financing and DAP programs. Offers specialized guidance for first-time buyers in competitive coastal and suburban towns. Combines community portfolio lending flexibility with state housing bond programs. Maintains retail branch locations in Stamford, Norwalk, Darien, Greenwich, and Westport. Phone: (203) 462-2265
Fairfield County Bank 150 Danbury Road, Ridgefield, CT 06877 Mutual community bank serving Fairfield County with strong local community roots. Approved to originate CHFA affordable mortgage financing and down payment assistance. Assists workforce buyers and public servants in purchasing homes in high-cost towns. Delivers personalized branch lending services and local mortgage servicing capabilities. Operates community branches across Ridgefield, Danbury, Norwalk, and Stamford. Phone: (203) 431-7400
Sound Community Bank 1400 Boston Post Road, Guilford, CT 06437 Regional community lender serving shoreline New Haven and Middlesex county markets. Authorized CHFA participant delivering subsidized 30-year fixed-rate mortgage products. Provides dedicated guidance on first-time buyer eligibility and homebuyer education. Assists clients with combining CHFA first mortgages with state down payment grants. Delivers high-touch customer support through local branch mortgage professionals. Phone: (203) 453-5600
Norwich Community Bank 257 Main Street, Norwich, CT 06360 Community-focused banking division serving Southeastern Connecticut and rural regions. Approved CHFA lender providing affordable home financing to modest-income families. Assists buyers with rural property purchases and 2-unit multi-family home loans under CHFA. Offers local underwriting insight tailored to New London and Windham county markets. Provides personalized financial counseling and local loan document processing. Phone: (860) 887-1620
Stafford Savings Bank 12 Main Street, Stafford Springs, CT 06076 Historic mutual savings bank dedicated to serving Tolland and Windham county communities. Authorized originator of CHFA first-time homebuyer loans and secondary DAP financing. Offers personalized, community-centered service for rural and suburban home purchases. Helps borrowers navigate state income caps and property appraisal standards. Known for local loan servicing and hands-on relationship banking. Phone: (860) 684-4261
Collinsville Bank 277 Albany Turnpike, Canton, CT 06019 Historic community bank division serving the Farmington Valley and Litchfield Hills. Approved to originate CHFA affordable mortgages and down payment assistance programs. Specializes in residential financing for historic homes, single-family houses, and condos. Guides first-time buyers through state program eligibility and required homebuyer courses. Operates local branches in Canton, Collinsville, and Farmington. Phone: (860) 693-6935
Litchfield Bancorp 294 West Street, Litchfield, CT 06759 Community mutual bank division serving Northwest Connecticut and the Litchfield Hills. Authorized CHFA lender delivering subsidized 30-year fixed-rate purchase financing. Provides personalized loan underwriting tailored to rural and historic property markets. Coordinates CHFA down payment assistance for municipal employees and local workers. Maintains community branches in Litchfield, Torrington, Watertown, and Oakville. Phone: (860) 567-2000
First National Bank of Suffield 30 Bridge Street, Suffield, CT 06078 Independent community bank serving Hartford County and the Northern Connecticut border. Approved CHFA originator delivering below-market mortgage loans for first-time buyers. Provides localized mortgage review with transparent fees and straightforward terms. Assists rural and suburban buyers in pairing USDA structures with CHFA programs. Operates branch offices in Suffield, Suffield West, Windsor Locks, and East Granby. Phone: (860) 668-3950
Naugatuck Valley Savings and Loan 333 Church Street, Naugatuck, CT 06770 Community banking division serving the Naugatuck Valley and Greater Waterbury area. Approved CHFA participating lender providing affordable residential home purchase loans. Offers dedicated guidance on financing 2-to-4 unit multi-family properties under CHFA. Works closely with first-time buyers to access Time-to-Own down payment grants. Provides localized branch loan underwriting and hands-on customer support. Phone: (203) 720-5000
CitiMortgage 100 West Putnam Avenue, Greenwich, CT 06830 National financial services provider offering residential mortgage financing in Connecticut. Authorized originator for CHFA subsidized 30-year fixed-rate conventional and FHA loans. Provides digital loan application systems backed by experienced regional lending officers. Assists workforce buyers in navigating purchase price limits in competitive markets. Delivers extensive residential mortgage services across Fairfield and New Haven counties. Phone: (800) 248-4638
Capital One 281 Tresser Boulevard, Stamford, CT 06901 Major commercial banking institution offering structured residential mortgage solutions. Approved to process CHFA first-time homebuyer loans and down payment assistance. Offers digital mortgage tracking tools to facilitate document submission and review. Assists buyers in identifying targeted area lending benefits across Connecticut urban centers. Operates regional lending services for Fairfield, New Haven, and Hartford counties. Phone: (800) 933-9100
Huntington National Bank 100 Pearl Street, Suite 800, Hartford, CT 06103 Commercial banking enterprise providing comprehensive community lending programs in CT. Authorized CHFA participating lender offering affordable fixed-rate mortgage products. Dedicated to expanding credit access for low- and moderate-income home purchasers. Coordinates state down payment assistance grants alongside competitive first mortgages. Serves real estate buyers across Hartford, New Haven, and Fairfield counties. Phone: (800) 480-2265
Flagstar Bank 100 Corporate Place, Suite 200, Rocky Hill, CT 06067 Major national mortgage banker and retail bank operating production branches in CT. Fully approved to originate CHFA HFA Preferred, FHA, VA, and DAP second mortgages. Provides experienced mortgage underwriters trained on Connecticut state bond criteria. Offers automated pre-approvals to support buyers competing in tight housing markets. Serves clients across Hartford, Middlesex, New Haven, and Fairfield counties. Phone: (860) 563-1200
