Other Options: Home Buyer Education
Why would I need home buyer education?
Buying a house isn't easy. There are contracts, mortgages, special terms (like "points"), lawyers to be hired, inspectors to be hired, real estate people to deal with, deadlines, and lots of other likely headaches. Your best weapon in this battle is to come armed with education so you'll know what the steps are and be able to make smart choices. Making the wrong choice on a mortgage can cost you a lot of money so spend some time on homebuyer education. Some of these FREE programs also offer special incentives plus you get to ask questions!
Hartford area home buyer education classes:
- Christian Activities Council
47 Vine Street - Hartford, CT 06112
860-527-9860
Services: Special land-lease training program; urban/suburban program provides down payment assistance for first time homebuyers in 22 towns in greater Hartford. Certain restrictions apply. Call 860-527-9860 for more information.
- Co-op Initiatives
20-28 Sargent St. #102 – Hartford, CT 06105
860-724-4940
Services: Pre-purchase and support services for people with disabilities
- Co-opportunity
20-28 Sargent St. #13 - Hartford, CT 06114
860-236-3617
Services: Pre-purchase and post-purchase counseling, IDAs
- Hartford Areas Rally Together (H.A.R.T.)
423 Washington Street, Hartford, CT 06106
(860) 525-3449
Classes in English and Spanish
Services: Pre-purchase/Home Buyer Education, Credit Counseling, and How to be a Landlord
- Housing Education Resource Center
901 Wethersfield Avenue, Hartford, CT 06114
(860) 296-4242
Classes in English and Spanish
Services: Pre-purchase/Home Buyer Education, Credit Counseling, Default/Delinquency Assistance, How to be a Landlord, and Rural Home Buyer Education/Assistance
- Urban League of Greater Hartford
140 Woodland Street, Hartford, CT 06105
(860) 527-0147
Classes in English and Spanish
Special programs for home buyers
There are several programs available to help low- and middle-income homebuyers. Some are available statewide and others are special programs designed for people interested in buying a home in Hartford.
HouseHartford - offers homebuyers help with down payment and closing costs for home purchase in Hartford. Income limits apply. Call (860) 757-9005.
Hartford Housing Authority - New Community Program. Duplexes for low income families who must purchase their home within five years. Contact 723-8463 for information.
Connecticut Housing Finance Authority (CHFA) – Low interest rate loans to assist first time homebuyers of low to moderate incomes. CHFA may have a special program available that fits your needs, including programs for homes that need rehabilitation. The Down Payment Assistance Program (DAP) is also available to certain borrowers. Call 860-721-9501 or www.chfa.org
FannieMae HouseConnecticut – Fannie Mae offers a range of loan programs including Flexible 97 and Flexible 100 programs, HomeStyle Renovations Program and the Community Solutions program for teachers, police officers, firefighters, and healthcare workers. Information on these programs is available on their website at www.fanniemae.com. Call 860-797-9015 for information about the Fannie Mae City of Hartford Down Payment and Closing Cost Assistance Program and 860-757-9014 for the Fannie Mae Hartford Multi-Family Home Program.
City of Hartford - Several programs are available for Hartford residents. For example, Hartford Remodeler, a partnership between the City of Hartford, Webster Bank, and Fannie Mae, offers lower cost second mortgage loans to city residents who need to rehab their home. Call Housing & Community Development at 860-757-9005 for more information.
Individual Development Accounts - Special "matched" savings accounts geared for homeownership are available through Co-Opportunity, 20-28 Sargent St. #13 - Hartford 860-236- 3617 or through the Community Renewal Team (CRT) office in East Hartford 860-568-0315
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How To Apply
Interested in being a
homeowner?
To learn more about Habitat for Humanity, plan to join us at our next Applicant Information Meeting!
Date: Saturday,
March 17, 2012
at 8:15 a.m.
Place: Community Renewal Team,
555 Windsor Street
Hartford, CT, 06120
Hartford Area Habitat for Humanity - a proud Equal Opportunity Employer.