Purchase A Home

40 Years of Homebuying!

Whether you are a first-time homebuyer or someone purchasing an investment property or vacation home, Hartford takes the stress out of the home buying process. We will be with you every step of the way from pre-approval to closing, and will work hand-in-hand with the realtors and attorneys. We’ve been helping homeowners since 1983 and have simplified this process to be as seamless as possible.

Let’s find the loan program that’s right for you

Conventional Loan

The Conventional Loan is generally for people who have good credit scores, a steady income source and have saved up a nice chunk of change for a down payment.

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FHA Loan

A Federal Housing and Administration (FHA) Loan may be good for folks earning a low-to-moderate income and first-time homebuyers. By getting this loan, you can pay as little as 3.5% down.

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Non-QM Loan

We offer asset only programs, no income or tax returns needed, qualify investment properties just using potential rental income, and can even accept non-US funds.

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VA Loan

If you are a veteran or an active member of the military, National Guard, or a surviving spouse then the VA Loan may be an excellent option.

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Five steps of our homebuying process:

Pre-approval

We’ll help you determine what you can afford to buy after calculating your income, running your credit, and analyzing your assets.

Commitment

Once we have your contract and full credit package, your documents will be underwritten by one of our underwriters and you will be issued a conditional commitment. This will outline any additional documentation or information we may require.

Lock Your Interest Rate

We offer 15 to 75-day locks to all our borrowers. Based on the given market, your Loan Officer will guide you through which rate option will be the best for you.

Clear to Close

Ahh, the best three words of the mortgage process. Once we reach the finish line together, we will alert all parties that your loan is cleared to close and ready to schedule a closing.

Ready for your housewarming party? We bet you are! It's now time to enjoy the home of your dreams! We cannot wait to get you to this point!

When it comes to bidding for a house, if you’re not first, you’re last.

With the Hartford Head Start, submit your offers confidently with a conditional approval and set yourself apart from the rest. Home Buyers with the Hartford Head Start can shop with certainty as their current credit and financial condition qualifies them for a loan. This advantage helps a consumer remain competitive in today’s market with increased home prices, attractive cash offers, contingency waivers and accepted offers within a few days of listing.

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