The Connecticut Housing Finance Authority offers home loans at below-market and competitive interest rates to eligible homebuyers through its various Homebuyer Mortgage Programs. Loans are 30 year, fixed rate with 1% Origination Fee payable to the lender. By applying for a CHFA loan with one of our participating lenders, eligible homebuyers are able to lock in an attractive rate for 90 days.
If your potential home is in a Federally Targeted Area, your interest rate will be 1/4% (0.25%) lower than the published interest rate. You can view all Targeted Area locations by visiting the CHFA Resource Map.
| Program | Government Insured | Non-Government Insured | Origination Fee | Annual Percentage Rate Range |
|---|
| N/A | 2.750 | 1.0 | 2.850% - 3.250% |
| | N/A | 2.875 | 0.0 | 2.975% - 3.375% |
| N/A | 2.750 | 1.0 | 2.850% - 3.250% |
| | N/A | 2.875 | 0.0 | 2.975% - 3.375% |
| N/A | 2.750 | 1.0 | 2.850% - 3.250% |
| | N/A | 2.875 | 0.0 | 2.975% - 3.375% |
| 2.500 | 2.750 | 1.0 | 2.600% - 3.250% |
| | 2.625 | 2.875 | 0.0 | 2.725% - 3.375% |
| N/A | 1.000 | 0.0 | 1.100% - 1.500% |
| | Note: New interest rate in effect for loan Reservations dated April 30, 2021 thru December 31, 2021. Up to a $250.00 Application Fee payable to the Lender. Additional fees may apply. |
| 2.375 | 2.625 | 1.0 | 2.475% - 3.125% |
| | 2.500 | 2.750 | 0.0 | 2.600% - 3.250% |
| 2.375 | 2.625 | 1.0 | 2.475% - 3.125% |
| | 2.500 | 2.750 | 0.0 | 2.600% - 3.250% |
| 2.375 | 2.625 | 1.0 | 2.475% - 3.125% |
| | 2.500 | 2.750 | 0.0 | 2.600% - 3.250% |
| 2.500 | N/A | 2.5 | 2.600% - 3.000% |
| 2.500 | N/A | 1.5 | 2.600% - 3.000% |
| | Note: Additional fees may apply to the FHA 203(k) Rehabilitation Programs. |
| 2.375 | 2.625 | 1.0 | 2.475% - 3.125% |
| | 2.500 | 2.750 | 0.0 | 2.600% - 3.250% |
| 2.375 | 2.625 | 1.0 | 2.475% - 3.125% |
| | 2.500 | 2.750 | 0.0 | 2.600% - 3.250% |
| N/A | 2.750 | 1.0 | 2.850% - 3.250% |
| | N/A | 2.875 | 0.0 | 2.975% - 3.375% |
| N/A | 1.000 | 1.0 | 1.100% - 1.500% |
Please scroll down on the right for additional Mortgage Program Interest Rates.