Frequently Asked Questions

Do you have questions about HDF’s programs and services? You’re in the right place.

First-Time Homebuyers

Who's eligible for the First Time Homebuyer program (FTHB)?

Our counseling and lending program is available to income-qualified first-time homebuyers who are purchasing a home within HDF’s service area.

A first-time homebuyer is someone who is buying a home for the first time or who has not owned a home at any time in the last three years.

For our current income limits and service area, please click here for Connecticut and here for New York.

How do I apply for the FTHB program?

Click here to go to our FTHB page. Here you will find our Orientation Video as well as instructions on how to apply to our FTHB program.

I can't come to your offices for counseling or education. Can I still apply to the FTHB program?

Yes! HDF has partnerships with a number of local housing counseling agencies to provide homebuyer counseling and education services in your community.

You can complete counseling and homebuyer education classes without ever setting foot in one of our offices. You can work remotely and one-on-one with your counselor. Just register on HDFCompass and choose the remote counseling option.

If you prefer, you can complete counseling and education with an HDF partner and still use HDF’s lending services.

Contact your preferred agency and explain that you are interested in using HDF’s lending products. To view a map with all of our partners, please click here for Connecticut and here for New York.

Where can I buy a home through the FTHB program?

Using HDF’s SmartMove product, you can purchase a home anywhere in Connecticut or in selected counties of New York State. To view a map of our current service area, please click here for Connecticut and here for New York.

Other lending programs have different geographic scopes – visit our FTHB page for more details, or contact us today!

I've already put in an offer on a house. Can I still use HDF?

Yes. HDF will make every effort to work with you, even with a more aggressive timeline.

Please create a profile on our online customer portal, HDF Compass AND email as soon as possible with details on your situation.

Can I apply for more than one program?

Yes. Most HDF borrowers use our SmartMove loan product, which can be combined with many of our other products, depending on your situation and eligibility.

Once you’ve created a profile on our online customer portal, HDF Compass, you’ll schedule your first one on one session, where your homeownership counselor will let you know for which programs you might qualify and whether would benefit from layering loan products in your package.

Other questions? Please email us directly at

How do I pay for a credit report?

As part of our FTHB application, you’ll be asked to pay for a credit report. You can pay online by using our convenient payment portal. Please click here to access it.

Frequently Asked Questions





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