Mortgage Services, Inc

Specializing In CHFA "CHAFA" Home Loans Since 1986

Log In  |  Contact Us  |  Help
The Teacher Mortgage Program offered by CHFA is designed to help school teachers overcome one of the main obstacles when it comes to homeownership - the down payment. The teachers mortgage program offers a low fixed rate 30 year mortgage, and down payment assistance up to 100% of the purchase price of the home. With no money down required the CHFA Teacher Mortgage Program makes it possible to afford a home right now!

Eligibility for the Teacher Mortgage Program:


  • Connecticut certified full-time and part-time public school teachers employed by priority or transitional school districts, certified teachers who are employed by regional vocational-technical schools located in priority or transitional school districts are eligible.
  • If you are certified to teach and are teaching in a state-identified subject matter shortage area, you may also be eligible for the Teachers Mortgage Assistance Program.
  • CHFA requires that you be a first-time homebuyer or have not had an ownership interest in a principal residence for the past three years.
  • If you are a prior homeowner, you may still be eligible to utilize the program if purchasing a home in a targeted area of the State. Targeted areas are listed separately in the back of this brochure on the inside of the back cover.
  • When applying for a loan, you must submit a Statement of Eligibility letter from the school district Superintendent where you teach, verifying that you are a certified teacher in either a priority or transitional school district, employed by regional vocational-technical schools located in priority or transitional school districts, or teach in a state-identified subject matter shortage area.

 The Teachers Mortgage Program Offers Many Benefits:

  • Teacher Mortgages are 30-Year fixed rate loans, carrying an interest rate below comparable market rates.
  • Down Payment Assistance (DAP) provides homeownership opportunities to eligible teachers who are unable to provide their own down payment.
  • Teacher Mortgage Programs may be used to purchase an existing one- to four family home, a newly constructed single family home, or a newly constructed two family home in a targeted area.
  • 24 Hour Preapprovals

If you are interested in learning more about the teacher mortgage program call us today at (800) 922-3210, or fill out our Free online pre-qualification form.



CHFA "CHAFA" Loan - Mortgage Services, Inc. - NMLS # 2594
193 Grand Street 2nd Floor, Waterbury, CT  06702
Direct:  (800) 922-3210
Copyright © 2023 CHFA Mortgage Loan by Mortgage Services, Inc
Privacy Policy  | Security Statement  |  Site Map