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First Time Homebuyers

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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.

START YOUR JOURNEY WITH HDF

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

 

CONTINUE YOUR JOURNEY WITH HDF

Click the “Continue Your Journey Now” logo below to log in to your account and update your customer profile. You will be able to securely upload the necessary documents to your profile.

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

HDF offers 8-hour courses at each of our three office locations in Stamford, Bridgeport, and Danbury. To register for one of these courses, please sign up on HDFCompass and follow the instructions!

Online Homebuyer Education

HDF offers two different options for online Homebuyer Education, which you can complete at your own pace, whether on-the-go or from your own home. If your first mortgage lender has an education requirement, check to see if they accept these online courses.

EHome America

eHomeAmerica’s Official Homebuyer Education Certified Course is used by more than 300 homeownership counseling agencies in more than 48 states and US territories to provide education, counseling and certification. eHome America is an 8-hour online based on the NeighborWorks America’s Realizing the American Dream curriculum and meets the National Industry Standards for homebuyer education. The certificate you receive after completing the 8-hour eHomeAmerica course is accepted by CHFA as proof of Homebuyer Education.

There is a $99 fee to use eHomeAmerica – for a $24 discount, please use coupon code “HDF24.”

To get started, visit HDF’s eHomeAmerica site.

Framework

Framework is the only online homebuyer course designed by experts in online learning. It’s comprehensive, so you’ll have all the facts you need to navigate every step of the buying process. Learn more with this online preview!

While Framework is accepted by a number of lenders, including HDF, Framework certificates are NOT accepted by CHFA as homebuyer education credits. Ask your bank loan officer if a CHFA first mortgage is included in your financing. If so, please attend one of HDF’s in-person classes or the online eHomeAmerica course.

To get started, visit HDF’s Framework site.