Home > Borrow > First-Time Homebuyers

First Time Homebuyers

#HDFHomeowners Tell their Stories

Watch Video

Thinking about buying a home? First time homebuyer education and downpayment assistance loans from HDF can help you buy your first home affordably. We are there every step of the way to ensure your homebuying process is successful and that you purchase a home you can afford.

If you are interested in any or all of HDF’s services, including Homebuyer Counseling, Education, or Lending, HDF is here to help.

FOLLOW THE 2 STEPS BELOW:

STEP 1: Download and fill out the Initial Evaluation Packet (IEP). Read the first page very carefully. Collect all the documentation you need for a proper assessment, including paying for a credit report. Para verlo en español, haga clic aquí.

STEP 2: Click the “Start Your Journey Now” logo below to register and create a customer profile. You will be able to securely upload the necessary documents to your profile.
Please follow the instructions on the first page of the Initial Evaluation Packet so we can put you on the right path to homeownership.

Please call 203-969-1830 ext. 1003 or email us at FTHB@hdfconnects.org if you have any questions about this process.

CLASSES ONLY: If you only need to take a class for a CHFA loan application but otherwise do not require HDF’s Services, please register by emailing fthb@hdfconnects.org.

Scroll down to learn more about HDF’s Services, including HDF’s Homebuyer Counseling, in-person and online Homebuyer Education Classes, and Lending Products.
For a quick overview of our programs and services, watch our video below.

HDF’s HOMEOWNERSHIP ADVISERS will answer questions and work with you to chart a path to homeownership from start to finish. You’ll work one-on-one with an adviser to develop an action plan to increase savings, reduce debt, and to identify and apply for down payment assistance opportunities.

HDF’s first time homebuyer adviser services are provided completely free of charge, and are designed specifically to help regular people buy their first homes. For HDF’s purposes, a ‘first time homebuyer’ is someone who has not owned a home at any time over the last 3 years. Certain other restrictions may apply.

 

Downpayment Assistance Programs

In addition to HDF’s free counseling, education, and guidance, first time homebuyers can also take advantage of a number of down payment and closing cost assistance programs designed to make homeownership achievable and sustainable, such as HDF’s SmartMove down payment assistance loan.

Whatever your circumstances, HDF has a second mortgage or loan to help cover your closing costs or down payment. Many of our loan products will stack, giving eligible purchasers a ‘jump-start’ toward homeownership!

Available Loan Products

Homebuyer Education

Homebuyer Education (HBE) classes are open to anyone in the community interested in learning more about homeownership. Whether you have already applied for a mortgage or are just beginning to consider your options, 8-hour homebuyer classes provides in-depth instruction on the steps towards homeownership.

All HDF borrowers in the First Time Homebuyer Program must complete an 8-hr Homebuyer Education Class prior to closing. These classes are mandatory for CHFA loan applicants under the Section 8 Housing Choice Voucher Homeownership Program and may be required for other loan programs as well.

HDF also offers online options through eHome America and Framework. If
your first mortgage lender has an education requirement, check to see if they
accept these online courses.

In-Person Homebuyer’s Education
Online Homebuyer Education