VA loans work the same way in every part of Connecticut: a private lender makes the loan, and the Department of Veterans Affairs backs part of it for eligible borrowers. What changes from place to place is the housing stock, the price range and how familiar local agents and sellers are with VA offers. Pick your city below to read more about VA financing nearby and what to have ready before you call.
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 VA loans activity is highest in Connecticut
| County | loans originated (2024 HMDA) |
|---|---|
| the Capitol Planning Region | 596 |
| the Southeastern Connecticut Planning Region | 592 |
| the Naugatuck Valley Planning Region | 297 |
| the South Central Connecticut Planning Region | 260 |
| the Lower Connecticut River Valley Planning Region | 144 |
| the Western Connecticut Planning Region | 135 |
| the Northwest Hills Planning Region | 89 |
| the Greater Bridgeport Planning Region | 63 |
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.
VA 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
What if the VA appraisal comes in below the price?
If the appraised value is lower than the contract price, you have choices. You can request a reconsideration of value with supporting sales data, renegotiate with the seller, or cover the difference with your own funds. VA purchase contracts include an escape clause that lets you walk away without losing your earnest money in that situation. Ask your agent to explain how the clause works before you sign.
Does the VA lend me the money directly?
In most cases, no. Private lenders make VA loans, and the Department of Veterans Affairs backs a portion of each one. The lender takes your application, underwrites it, funds the loan and services it or transfers servicing. This website is an independent information resource and is not affiliated with the Department of Veterans Affairs or any government agency. It explains the program and connects you with a licensed lender.
Can I build a home with a VA loan?
VA construction loans exist, but fewer lenders offer them because building adds risk and paperwork. The builder usually needs a VA builder ID, and the finished home must meet VA requirements. Some borrowers use a separate construction loan and then refinance into a VA loan once the home is complete. Ask lenders directly whether they handle VA construction and what documents they require from you and the builder.
Related guides
- VA Construction Loans: Building a Home With a VA-Backed Loan
- How Mortgage Preapproval Works
- Documents Needed for a Mortgage
- First-Time Home Buyer Programs in Connecticut
VA Loans overview · Connecticut mortgage overview
- 2024 Home Mortgage Disclosure Act (HMDA) data; U.S. Census Bureau Building Permits Survey 2025