FHA loans are available throughout Connecticut for primary residences that meet HUD property standards, from older single-family homes to approved condos and small multi-unit buildings. Because the program insures the lender rather than the borrower, it is often a practical option for Connecticut buyers whose credit or savings do not line up with conventional guidelines. Use the city pages below to learn more about FHA lending near you and to connect with a licensed lender who can review your file.
Call to talk with a licensed loan officer. Programs vary by borrower, property and investor.
Connecticut's state housing finance agency is Connecticut Housing Finance Authority (CHFA). Its homebuyer programs include HFA Advantage Loan Program, HFA Preferred Loan Program, Government Insured Mortgage Program. These programs work through participating lenders and have their own eligibility rules. See our Connecticut first-time buyer programs guide.
Where FHA loans activity is highest in Connecticut
| County | loans originated (2024 HMDA) |
|---|---|
| the Capitol Planning Region | 1,675 |
| the Naugatuck Valley Planning Region | 1,116 |
| the South Central Connecticut Planning Region | 1,009 |
| the Greater Bridgeport Planning Region | 503 |
| the Southeastern Connecticut Planning Region | 479 |
| the Western Connecticut Planning Region | 410 |
| the Lower Connecticut River Valley Planning Region | 247 |
| the Northwest Hills Planning Region | 247 |
Start your application in a few minutes. A licensed loan officer reviews it and follows up with your options.
- Takes a few minutes
- Reviewed by a licensed loan officer
- No obligation to proceed
Prefer to talk first? Call (888) 912-6746. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.
FHA Loans by city in Connecticut
- Ansonia
- Branford Center
- Bridgeport
- Bristol
- Cheshire Village
- Conning Towers Nautilus Park
- Cos Cob
- Danbury
- Derby
- Glastonbury Center
- Hartford
- Jewett City
- Kensington
- Meriden
- Middletown
- Milford
- Milford city
- Naugatuck
- New Britain
- New Haven
- New London
- Norwalk
- Norwich
- Oakville
- Old Greenwich
- Pawcatuck
- Riverside
- Rockville
- Shelton
- Sherwood Manor
- Simsbury Center
- Southwood Acres
- Stafford Springs
- Stamford
- Storrs
- Terryville
- Thompsonville
- Torrington
- Wallingford Center
- Waterbury
- West Haven
- Willimantic
- Winsted
Common questions
Do I need perfect credit to get an FHA loan?
No. FHA is known for flexible credit standards, and underwriters often weigh how you have managed payments since a setback rather than focusing only on one score. Minimum credit requirements vary by lender and can change, so ask a loan officer what applies to your file. Clear explanations of past problems and a recent record of on-time payments can make a real difference in how your application is reviewed.
Is an FHA loan a government loan?
FHA loans are made by private lenders and insured by the Federal Housing Administration, which is part of HUD. The government does not lend you the money or review your application itself. Instead, an FHA-approved lender takes your application, underwrites it to FHA guidelines and funds the loan. This website is an independent information resource and is not affiliated with FHA, HUD or any government agency.
How do I find an FHA-approved lender?
Not every lender offers FHA loans, and those that do must be approved by HUD to originate them. When you call, ask whether the lender originates FHA loans directly, whether it adds its own credit requirements on top of FHA rules, and whether it handles 203(k) renovation financing. Compare Loan Estimates from more than one source, and check the loan officer's license on NMLS Consumer Access.
Related guides
- Conventional vs. FHA Loans: Which May Fit You?
- FHA 203(k) Loans: Buy or Refinance and Renovate in One Loan
- How Mortgage Preapproval Works
- First-Time Home Buyer Programs in Connecticut
FHA Loans overview · Connecticut mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025