Chelsea Groton Community Heroes Homeownership Program
Chelsea Groton Bank
1% down; up to $500 off closing costs
A Chelsea Groton mortgage with 1% down and up to $500 off closing costs for an eligible EMT, firefighter, paramedic, police officer, nurse, or K–12 teacher.
Rate reduction
Locations listed in HomeBase: Connecticut
This may not be the program's complete service area. Check the provider's location rules for the home you want to buy.
How and when you repayThis is a mortgage that must be repaid; the program offers a 1% down-payment option and up to $500 off closing costs.
Who can apply
About you
- At least one borrower employed part time or full time as an EMT, firefighter, paramedic, police officer, nurse, or K–12 teacher.
- No requirement to buy in the same town where the qualifying worker is employed.
How to apply
- Credit and underwriting approval apply.
The program makes the final eligibility decision.
Full requirements, documents, and history
Income tables, education requirements, contacts, complete rules, stacking guidance, sources, and change history
Conditions
At least one borrower must be employed part time or full time in an eligible occupation, and the loan remains subject to credit and underwriting approval.
Reader request
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What can I combine this with?
Most buyers can use more than one program on the same purchase — a state program under a county one, an employer benefit under both. Taking one when three were available is the most expensive mistake on this site, and it is usually made in silence.
Show what stacks with Chelsea Groton Community Heroes Homeownership Program(12 to check)
Worth asking about(12)
No published rule either way. One phone call settles it — and the answer can be worth thousands.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Achieve First-Time Homebuyer Mortgage. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- AFC Mortgage Cash OfferAFC Mortgage Group
AFC finances up to the full new purchase secured by the current and new homes, allowing a non-contingent offer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at AFC Mortgage Cash Offer. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Affinity HomeAdvantage Cash RewardsAffinity Federal Credit Union; provided by CU Realty Services/HomeAdvantage
Affinity members who buy or sell through an assigned HomeAdvantage network agent may receive a commission-funded cash reward.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Affinity HomeAdvantage Cash Rewards. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Affordable Loan Solution®Bank of America
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Affordable Loan Solution®. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- AgFed ARM Closing Cost SpecialAgriculture Federal Credit Union (AgFed)
AgFed pays $1,500 to $3,500 toward closing costs on eligible adjustable-rate purchase mortgages while the temporary offer remains available.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at AgFed ARM Closing Cost Special. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Alliant Advantage MortgageAlliant Credit Union
Qualified first-time buyers may receive an Alliant Advantage adjustable-rate mortgage with no down payment and no PMI on loans up to $650,000.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Alliant Advantage Mortgage. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Beeline Price Pact and Free-Refi BenefitsBeeline Loans, Inc.
A conditional $250 lender credit when Beeline matches a qualifying competing conventional offer, plus waiver of Beeline-retained fees on a later same-property refinance under the current offer.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Beeline Price Pact and Free-Refi Benefits. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Better Real Estate Purchase Loan Lender CreditBetter Mortgage Corporation and Better Real Estate
A lender credit equal to 0.50% of the final Better Mortgage purchase-loan amount, up to $10,000, for borrowers using a Better Real Estate Partner Agent and closing with Better Mortgage.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Better Real Estate Purchase Loan Lender Credit. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at CBC Mortgage Chenoa Fund - Conventional 97 HomeReady Program. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at CBC Mortgage Chenoa Fund - Conventional Standard 97 Program. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
- Charter Oak Accelerator MortgageCharter Oak Federal Credit Union
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Charter Oak Accelerator Mortgage. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
Unverified research entry — details not yet confirmed.
No published rule either way. Many programs at different levels do combine — this is a short phone call, and the answer can be worth thousands.
Here’s the question to ask
Hello — I'm a homebuyer looking at Charter Oak CHFA Mortgage Access. Can it be used on the same purchase as Chelsea Groton Community Heroes Homeownership Program (Chelsea Groton Bank)? If it can: 1. Is there a cap on total assistance from all sources combined? 2. Do I need to disclose the other program before I apply, or does it matter which I apply to first? 3. Does using both change the repayment or forgiveness terms of yours? Thank you.
Ask both program offices, not just one. When their answers differ, the stricter answer is the one that applies at closing.
We only mark a pair confirmed when a published program rule says so and we can cite it. Everything else is honestly unsettled — which is not the same as “no”. Confirm with a housing counselor or your lender before you count on any combination.
Check everything you’re bringing to closing — gifts, seller credits, employer help →