From first-time purchases to custom builds, Connecticut borrowers have a wide menu of home loans to consider. Government-backed loans serve veterans, rural buyers and those rebuilding credit, while conventional and jumbo loans cover a broad range of prices. Construction and renovation loans handle building and repair projects. Many buyers qualify for more than one path. Select your city below to start sorting through the options and see which loan types may fit your plans.
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 home loans activity is highest in Connecticut
| County | loans originated (2024 HMDA) |
|---|---|
| the Capitol Planning Region | 9,409 |
| the Western Connecticut Planning Region | 4,906 |
| the South Central Connecticut Planning Region | 4,596 |
| the Naugatuck Valley Planning Region | 4,430 |
| the Southeastern Connecticut Planning Region | 2,701 |
| the Greater Bridgeport Planning Region | 2,362 |
| the Lower Connecticut River Valley Planning Region | 1,723 |
| the Northwest Hills Planning Region | 1,203 |
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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.
Home 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
How do I know which home loan is right for me?
Start with the factors that open specific programs: military service for VA, a rural address for USDA, and a high purchase price for jumbo. Then consider your credit history, upfront cash and whether you plan to build or renovate. A licensed loan officer can review your situation and compare the loan types you may qualify for side by side.
What is the difference between a conventional loan and a government-backed loan?
A conventional loan is not insured or guaranteed by a federal agency and usually follows Fannie Mae or Freddie Mac guidelines. Government-backed loans include FHA loans insured by the Federal Housing Administration, VA loans guaranteed by the Department of Veterans Affairs and USDA loans backed by USDA Rural Development. Government backing can open doors for borrowers who might not fit conventional guidelines.
Does the property type affect which loan I can get?
It can. Condos may need to meet project approval rules for certain programs, manufactured homes have specific requirements, and multi-unit properties are treated differently from single-family homes. USDA loans require an eligible rural location. Share the property address or listing with your lender early so any property issues come up before you are under contract.
Related guides
- Conventional vs. FHA Loans: Which May Fit You?
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Connecticut
Home Loans overview · Connecticut mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025