We aim to help more Hartford residents from diverse backgrounds in their journey to become homeowners. We'll review current policies, host educational talks, and create better programs to support this goal.
Did you know your living conditions can affect your health? Though Connecticut thrives, Hartford faces challenges, particularly among its residents of color. Here's the concern: people in Hartford often have shorter lifespans and more health issues than elsewhere in the state.
What's the solution? Homeownership! Owning a home provides stability and well-being, leading to better health. "The Welcome Home Project" aims to boost homeownership in Hartford!
Home Ownership Supports Improved Health Outcomes
- Security & safety
- Wealth building
- Community
- Sense of responsibility and control
Resources, Guides, and Useful Links
Below is a list of organizations that provide various forms of assistance for the purpose of homeownership.
Down Payment Assistance Programs
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City of Hartord - Divison of Housing Contacts: Celina Caez and Whyon Robinson |
Program: SmartMove CT & NY Phone: 203‐969‐1830 |
Connecticut Housing Finance Authority (CHFA) Program: Down Payment Assistance Program (DAP) Description: Supplementary loans at below‐market interest rates for eligible borrowers of home loans who are unable to raise sufficient funds to pay the upfront expenses associated with purchasing a home. Program: Time To Own ‐ Forgivable Down Payment Assistance Program: Time To Own ‐ Forgivable Down Payment Assistance Description: For a limited time, CHFA will offer the Time To Own ‐ Forgivable Down Payment Assistance loan to help alleviate potential homebuyers' inability to cover the down payment and closing costs required to purchase their first home. Administered by CHFA on behalf of the CT Department of Housing, the Time To Own loan is available to eligible homebuyers in conjunction with a CHFA first mortgage loan. Eligible homebuyers may also take advantage of the CHFA Down Payment Assistance (DAP) loan, in addition to the Time To Own ‐ Forgivable Down Payment Assistance loan Program. Contact: Customer Service Phone: 860‐571‐3502 Email: sfaminquiry@chfa.org Website: https://ww>w.chfa.org/ |
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Neighborhood Assistance Corporation of America (NACA) Program: NACA Mortgqage Description: Provides affordable homeownership with a focus on low‐ to moderate‐income people and communities. There is no eligibility limitation based on one's income, credit score or other criteria as long as the Member meets the eligibility criteria. These criteria allow NACA to meet its mission without limiting participation based on income. NACA mortgage benefits: No down payment No closing costs No hidden fees No mortgage insurance Contacts: Member Services Phone: 425‐602‐6222 Website: http://www>.nacalynx.com/naca/Purchase/purchase.aspx |
U.S. Department of Veterans Affairs
Program: Home Loan Guaranty Program
Description: Assists Veterans in obtaining mortgage loans from private lenders by
guaranteeing a portion of the loan against loss. In administering VA Home Loan Guaranty benefits, VA is the direct contact for the lending, appraising, and building communities and for Veterans with questions or concerns about their home loan benefit.
Phone: 1-877-827-3702
Website: www.benefits.va.gov/homeloans/
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Northside Institutions Neighborhood Alliane, Inc. (NINA) Program: Homebuyer Initiative Program Description: Provides financial incentives to employees of Aetna, The Hartford, The MetroHartford Alliance, and Saint Francis Hospital and Medical Center to purchase a home. Contact: HIP Manager Phone: 860‐244‐9390 |
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Southside Institutions Neighborhood Alliance (SINA) Program: Homebuyer Initiative Program Description: Provides financial incentives to employees of Hartford Hospital, Trinity College and Connecticut Children’s Medical Center to purchase a home. Contact: Linda Valentin Phone: 860‐493‐1618 ext. 101 Website: http://www>.sinainc.org/hip/ |
Homebuyer Education and Counseling Providers
Community Renewal Team, Inc.
Address: 330 Market St, Hartford, Connecticut, 06120-2901
Contact: Eileen Feliciano
Phone: 860-560-4210
Email: felicianoe@crtct.org
Contact: Herman Gibson
Phone: 860-761-2381
Email: gibson@crt.org
Website: http://crtct>.org
Counseling Group Counseling, Internet Counseling, Other Counseling, Phone
Method: Couseling, Video Conference, Face to Face Counseling
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Counseling Services: Languages: |
Mortgage Delinquency and Default Resolution Counseling, PrePurchase Counseling, Pre-Purchase Homebuyer Education Workshops, Financial, Budgeting, and Credit Workshops, Services for Homeless Counseling, Home Improvement and Rehabilitation Counseling English and Spanish |
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Mutual Housing Association of Greater Hartford, Inc. Address: 95 Niles St, Hartford, Connecticut, 06105-2305 Contact: Anita Rojas Phone: 860-206-5266 Email: arojas@mutualhousing.org Website: https://ww>w.mutualhousing.org/ Counseling Mortgage Delinquency and Default Resolution Counseling, Pre- Services: Purchase Counseling, Pre-Purchase Homebuyer Education Workshops, Financial Management/Budget Counseling, Rental Housing Counseling |
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Urban League of Greater Hartford, Inc. Address: 140 Woodland St, Hartford, Connecticut, 06105-1210 Contact: Hazel Jones Phone: 860‐527‐0147 ext. 283 Email: hjoseph@ulgh.org Contact: Dawn Davis Phone: 860-728-4295 Email: ddavis@ulgh.org Website: http://ulgh>.org/ Counseling Mortgage Delinquency and Default Resolution Counseling, Pre- Services: Purchase Counseling, Pre-Purchase Homebuyer Education Workshops, Financial Management/Budget Counseling, Rental Housing |
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Neighborhood Housing Services of New Britain Address: 223 Broad Street, New Britain, Connecticut, 06053 Contact: Lucretia Jones Phone: 860‐224‐2433 Email: Ljones@nhsnb.org Website: https://ww>w.nhsnb.org/ Counseling Group Counseling, Phone Counseling, Video Conference, Face to Face Counseling Financial Coaching, Rental Coaching, Foreclosure Prevention |
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NACA (Neighborhood Assistance Corportation of America) Hartford CT
Address: 241 Main St Fl 1, Hartford, Connecticut, 06106-1897
Email: philippe.gibeault@naca.com
Website: www.naca.com
Agency ID: 84366
Counseling
Phone Counseling, Video Conference, Face to face Counseling Method:
Counseling Mortgage Delinquency and Default Resolution Counseling, PreServices: Purchase Counseling, Pre-Purchase Homebuyer Education Workshops,
Languages: English and Spanish
Foreclosure Prevention Programs
Connecticut Housing Finance Authority (CHFA)
Program: Emergency Mortgage Assistance Program
Description: A loan from EMAP can help cover past due as well as a portion of
Contact: Customer Service
Phone: 860-571-3500
Website:
https://ww>w.chfa.org/homeowners/foreclosure‐prevention‐counseling/
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Neighborhood Assistance Corporation of America Program: Home Save Program Description: For homeowners with an unaffordable mortgage, provides affordable solutions. Whether you cannot afford your monthly payments or your ARM has skyrocketed, NACA will help you achieve economic stability while keeping your home. Contact: Home Save Department Phone: 425‐ 602‐6222 ext 3 Website: homesave@naca.com |
U.S. Department of Veterans Affairs
Program: Foreclosure Assistance
Description: Works with loan servicers to help Veterans avoid foreclosure.
Website: https://ww>w.va.gov/housing‐assistance/home‐loans/trouble‐making‐pa yments/
Home Improvement and Repair Programs
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The City of Hartford - Division of Housing Program: The Housing Preservation Loan Fund Description: Provides low interest loans to homeowners for improvements and repairs. Contacts: Celina Caez, Senior Project Manager / Beayanka Pinckney Naraine, Senior Phone: 860-757-9035 / 860-757-9022 Email: pincb001@hartford.gov/lorie.mclean@hartford.gov Allowable Roof, gutters, chimney, furnace, hot water heater, sidewalk, driveway, Improvements: siding, windows, doors, exterior painting, front/rear porches, etc. |
The City of Hartford – Health and Human Services Department
Program: Lead Hazard Remediation Program
Description: Provides grant funds to homeowners interested in managing lead paint hazards to make homes lead-safe.
Contacts: Arlene Robertson, Project Manager/Olga Castellanos, Administrative Analyst
Phone: 860-757-4768 / 860-757-4721
Email: robea002@hartford.gov/Olga.Castellanos@hartford.gov
Allowable Windows, front/rear porches, interior/exterior painting, doors, trim, siding Improvements: (any painted and leaded surfaces).
Connecticut Children’s Healthy Homes Program
Program: Connecticut Children’s Healthy Homes Program
Description: The CCHHP Project will provide education for families and property owners, assess homes for lead paint hazards, and provide funding to make homes lead-safe.
Contacts: Natalie Knight, Administrative assistant / Rosa Alvarado, Referral Coordinator
Phone: 860-837-6241 / 860-837-6234
Email: RAlvarado@connecticutchildrens.org
Allowable Windows, interior/exterior painting, front/rear porches, doors, trim, siding
Improvements: (any painted and leaded surfaces)
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Capital For Change (C4C) Program: Connecticut Housing Investment Fund, Inc Description: Financing to assist individuals, organizations, and developers purchase, rehabilitate, or construct homes for low- and moderate-income families Contact: Customer Service Phone: 1-800-992-3665 / 860-233-5165 Email: info@capitalforchange.org Allowable Home improvements and repairs, energy efficiency upgrades, moderate to Improvements: extensive rehabilitation, and new construction activities are permitted. |
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Rebuilding Together Hartford, Inc Program: Emergency Repair Fund Description: Providing free critical home repairs to homeowners in the city of Hartford. Priority is placed on older Adults, People with disability, veterans, and family with children. Contacts: Nadia Ayad, Operations Manager / Raymond Da Rosa, Program Manager Phone: 860-757-9425 / 860-757-9427 Email: nadia.ayad@hartford.gov/raymond.darosa@hartford.gov Allowable Leaky pipes, smoke detectors, handyman repairs, boilers, hot water heaters, Improvements: railings, wheelchair ramps, gutters, doors, lighting, bathroom fixtures, etc. |
Community Renewal Team (CRT)
Program: Weatherization
Description: Helps low-income customers (renters or owners) with conservation services that safely lower electrical use, reduces home heat loss in winter and heat gain in summer, conserve hot water, and provide for energy efficient lighting.
Contact: Weatherization
Phone: 860-560-5354
Website: http://www>.crtct.org/en/need-help/energy-a-weatherization/homeweatherization
Allowable Weather-stripping, caulking, insulation, energy efficient lighting, window
Improvements: repair or replacements, etc
The Hartford Community Loan Fund
Program: Construction Rehab Loan Program
Description: Provides loans starting at $50,000 for the purchase and/or rehabilitation of residential properties within Connecticut. Mixed use properties are also eligible.
Contacts: Norma Cruz-Mathis 860-471-0291 / Calvin Richardson
Phone: 860—296-7005-EXT: 3012 860-296-7005 EXT: 3004
Email: n.cruz-mathis@hartfordloans.org/C.Richardson@HartfordLoans.org
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Website: |
https://ww>w.hartfordloans.org/what-we-do/construction-rehab-loanprogram |
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The Hartford Area Habitat for Humanity Program: A Brush with Kindness Description: A Brush with Kindness (ABWK) is a program that assists low-income families in repairing and renovating their homes so they can continue to live in safe, decent homes. We focus on assisting elderly, veteran families and those with limited mobility. Contacts: Guirlene Morales, Tracy Thomas, Director of Family Services Phone: 860-541-2213 / 860-541-2215 Email: Morales@HFHNCC.org/Tracy@HFHNCC.org Allowable A Brush with Kindness projects include painting, landscaping, weatherization Improvements: and minor repair services. |
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Connecticut Green Bank
Description: Connecticut Green Bank offers green energy solutions to home, building and multifamily property owners, residential and commercial contractors, towns and cities, and even capital providers. Learn more about programs and select the one that’s right for you.
Contact: Staff
Phone: 860-563-0015
Website: http://www>.ctgreenbank.com/
The Metropolitan District (MDC)
Program: Water and Sewer Service Installation Program
Program: Backwater Valve Program
Contacts: MDC’s Utility Services Department
Email: utilityservices@themdc.com
Website: https://the>mdc.org/utility-services/
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Connecticut Efficient Healthy Homes Initiative Program: Connecticut Energy Efficiency Fund Description: Provides energy, health and safety upgrades for homeowners and renters. Contact: Staff Phone: 1-877-947-3873 |
Historic Tax Credits, State Historic Preservation Office
Contact: Mary Dunne, Certified Local Government & Grants Coordinator
Email/Website: Mary.Dunne@ct.gov/ http://cultureandtourism.org
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State Historic Structures Rehabilitation Tax Credit Program Description: A tax credit for the conversion of historic commercial, industrial, institutional, former government buildings, cultural building, or residential property of more than four (4) units to residential use, including rental or condominium units. Partial tax credits are available for buildings converted to mixed residential and nonresidential uses. Accepts Rolling Applications. Program Specifics: • 25% tax credit of the total qualified rehabilitation expenditures. • Qualified rehabilitation expenditures are hard costs associated with rehabilitation of the certified historic structure; site improvements and non-construction costs are excluded. • State tax credits may be combined with the 20% federal historic preservation tax credits provided the project qualifies under federal law as a substantial rehabilitation of depreciable property as defined by the Internal Revenue Service. Contact: Julie Carmelich Phone: 860-500-2362 Email/Website: Julie.Carmelich@ct.gov/http://www.ct.gov/cct/cwp/view.asp?a=3933&q=3 31966 |
CT Trust for Historic Preservation
Description: Pre-development grants, rehabilitation grants and technical advice, depending on funding availability.
Contact: Brad Schide
Phone: 860-463-0193
Email: circuitrider@cttrust.org
This document consists of programs throughout the State. Most of these programs are run by an entity not affiliated with the City of Hartford and their appearance on this list does not
constitute an endorsement by the City of their program. This is not an exhaustive list of funding sources. As the City is made aware of other residential funding opportunities, they will be listed here.
