for Homeowners
Homeowner Resources
Overview
The Connecticut Housing Finance Authority (CHFA) believes
that information can empower Connecticut residents to make
smart decisions and to avoid costly mistakes when it comes
to homeownership.
CHFA encourages prospective homebuyers to do their
“home-work” before they buy a home, but we encourage all
homeowners to continue to do “home-work” by staying informed
on issues that may impact their financial or homeownership
status.
To help you achieve a more thorough understanding of your
options and resources, CHFA has compiled the following list
of agencies and organizations that provide useful
information and resources to homebuyers and homeowners.
(See,
state agencies or
federal agencies, for a complete,
alphabetical listing of all government agencies.)
Credit Bureaus
Knowing your credit score is crucial to maintaining a
healthy financial outlook and keeping your future financial
choices open. Find out how you are doing by visiting one or
all of the websites of the three nationally-recognized
credit bureaus.
- Annual Credit Report (Free)
- Equifax
- Experian
- TransUnion
Credit Counseling – State & National
Are you struggling with credit card debt and seeking
guidance to help you structure a repayment plan with your
creditors? Look into one of the services listed below.
- Connecticut Consumer Credit Counseling
- National Foundation for Credit Counseling
Credit Protection
If your identity has been stolen, contact
the agency that can help.
- Federal Trade Commission (FTC)
Disabled – State and Federal
There are many resources available for people with
disabilities. If you believe you might qualify for a
government benefit or support, contact one of the agencies
listed below.
- Connecticut Board of Education and Services
for the Blind
- Connecticut Department of Mental Health and
Addiction Services
- Connecticut Department of Mental Retardation
- U.S. Department of Health and Human Services
(HHS), National Clearinghouse for Long-term Care
Information
- Connecticut Office for the Protection and
Advocacy of Persons with Disabilities
- Connecticut Department of Social Services
- Social Security Administration
- Connecticut Workers Compensation Commission
- (See, also
Home of Your Own Mortgage Program or
Reverse Annuity Mortgage Program.)
Elders – State and Federal
Are you investigating resources and benefits that might be
available to you as you get older? Look into what these
agencies and organizations might offer you.
- U.S. Administration on Aging, Health and
Human Services
- American Association of Retired People
(AARP)
- Connecticut Commission on Aging
- U.S. Department of Health and Human
Services, Aging
- Social Security Administration
- Connecticut Department of Social Services
- Aging Services Division
- (See, also
Reverse Annuity Mortgage Program.)
Foreclosure Assistance
Are you facing foreclosure? Look into the judicial
mediation services and assistance programs that might help
you.
Home Appraiser and Inspector – State License Verification
Check to ensure that your appraiser and home inspector are
licensed through the state of Connecticut before you retain
their services.
- Connecticut Department of Consumer
Protection
Housing – Community
Are you wondering what actions the state of Connecticut takes
to support community development through affordable
housing? Find out by exploring the link below.
- Connecticut Department of Economic & Community Development
Housing Counseling Agencies - CHFA Partners
Over ten HUD-approved, housing counseling
agencies throughout Connecticut partner with CHFA and
provide a variety of services
free-of-charge to homebuyers and homeowners, from financial
counseling to foreclosure prevention workshops.
(See,
Homebuyer Education or
Foreclosure Prevention
Counseling for more information.)
Housing Emergency Relief – State and Federal
If a natural disaster puts you out of your home temporarily,
contact the state or federal agencies that can offer you
assistance.
- Federal Emergency Management Agency (FEMA)
- Emergency Management and Homeland Security
(Connecticut) Housing Finance Authority (CHFA)
Yes, you are already visiting the CHFA website! However, if
you are interested in contacting CHFA with a specific
question, call or email us.
Mailing Address:
CHFA
Attn: Single Family Underwriting
999 West Street
Rocky Hill, CT 06067-4005
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Housing Insurance - Federal
If you’d like to know more about federal home insurance
programs or if your home mortgage is insured or guaranteed
by a federal agency, you likely will find answers to your
questions at one of the following websites:
- Department of Housing and Urban Development
(HUD)
- Federal Housing Administration (FHA)
- United States Department of Rural
Development (RD)
- RD Eastern CT Office
- RD Western and Central CT Offices
- Veterans Administration (VA)
Housing – Legal
Are you buying a home and need an attorney to represent you
at the closing? Are you in foreclosure or facing it? The
following resources can help you find appropriate
assistance.
- Connecticut Bar Association
- Foreclosure Mediation, Connecticut Judicial
Branch
- Foreclosure Assistance Hotline
Housing Mortgages – State Bank Regulations
Shopping for a mortgage? Learn about the variety of
mortgage options available and the steps to finding the
right mortgage for you.
- Connecticut Department of Banking
Housing Mortgages – Police
Are you a police officer that wants to live and work in an
underserved community? Look into CHFA’s special mortgage
program for police officers.
(See,
Police Homeownership Mortgage Program.)
Housing Mortgages – Reverse Equity Mortgage Program
Learn about a way to use the equity in your home to finance
your long term care needs. Check out whether you qualify for
CHFA’s unique mortgage program by following the links below.
Housing Mortgages – Teachers
Are you a teacher that wants to live and work in an
underserved community? Look into CHFA’s special mortgage
program for teachers.
(See,
Teacher Mortgage Assistance Program.)
Long-Term Care
Do you or a loved one require long term care? Contact the
following agencies to find out what services and supports
might be available to you.
- Connecticut Department of Social Services
- Aging Services Division
- U.S. Department of Health and Human Services
(HHS), National Clearinghouse for Long-term Care
Information
- (See, also
Reverse Annuity Mortgage Program.)
Police – Special Mortgage Program
Are you a police officer that wants to live and work in an
underserved community? Look into mortgage
program for police officers.
(See,
Police Homeownership Mortgage Program.)
Taxes - State and Federal
Do you need copies of old tax returns or do you have a
question about your filing status? Contact the agencies
that can help.
- U.S Internal Revenue Service (IRS)
- CT Department of Revenue Services (DRS)
-
www.ct.gov/drs
- 860-297-5962 (Hartford calling area or outside
of Connecticut)
- 1-800-382-9463
Teachers – Special Mortgage Program
Are you a teacher that wants to live and work in an
underserved community? Look into CHFA’s special mortgage
program for teachers.
(See,
Teacher Mortgage Assistance Program.)
Veterans – State and Federal
Are you a United States veteran investigating the services
and benefits that may be available to you? Contact the
agencies that can point you in the right direction.