I'm Laura Beth Collinson, REALTOR® and Top 1% Agent at Carl Guild & Associates in East Hampton, and I help first-time buyers put Connecticut's home buyer programs to work. Here's a quick look at the first-time home buyer programs CT buyers can use, most run by the Connecticut Housing Finance Authority (CHFA).
CHFA also offers rate discounts for certain buyers, such as veterans, police officers and qualifying teachers.
Looking for CT grants for home buyers? Most state help comes as loans, not grants, though Time To Own is forgivable with no monthly payment. Some towns may offer their own Connecticut down payment assistance, sometimes as low-interest loans or grants, and some employers offer homebuying grants or loans.
Funding and rules change, so it pays to have an agent who specializes in CT home buyer programs. I connect you with experienced lenders and write offers that compete even with assistance financing. I'm not a lender: a CHFA-participating lender confirms your eligibility and loan terms.
CHFA's help comes as loans, but Time To Own is a forgivable loan. Some towns and employers offer their own grants or loans, so ask them too.
Generally, someone who hasn't owned a home recently. Past owners may still qualify in certain Targeted Areas. Your lender confirms eligibility.
Your loan comes through a CHFA-participating lender. It still helps to have a buyer's agent who knows CHFA timelines and rules.
Let's map out the programs and next steps that fit you. Explore East Hampton, Portland, East Haddam, Middletown, Marlborough, Colchester, or browse all communities.
Laura Beth Collinson, REALTOR® · Top 1% Agent at Carl Guild & Associates · East Hampton, CT
