How to Apply

To apply for CHIF's low interest, Energy Conservation Loan (ECL), Multifamily Energy Conservation Loan (MEL), Homeowners Emergency Loan Program (HELP), Rural Services Homeownership Loan, People's Bank/CHIF Home Improvement Loan Programs, or First-Time Homebuyer Loan Program, there are four easy methods of reaching our knowledgeable and friendly staff.

  1. You can apply online by clicking here
  2. You can reach us by phone:
    (860) 233-5165, ext. 2019;
    Toll-free: (855) 671-3946
  3. Write to us for more information:
    Connecticut Housing Investment Fund
    121 Tremont Street
    Hartford, CT 06105
    Attn: Loan Origination
  4. We are also available via E-mail:

    loans@chif.org: ECL, MEL, People’s Bank/CHIF Home Improvement Loan Programs
    usda@chif.org: Rural Services Homeownership Loan
    homebuyers@chif.org: First-Time Homebuyer Program
    help@chif.org: Homeowners Emergency Loan Program (HELP)

  5. Finally, you can print, sign and fax your application to:
    Fax: (860) 233-3920

    Before submitting your ECL application or HELP application, please review the Income Limits Guidelines for the Energy Conservation Loan Program and Homeowners Emergency Loan Program.

    Your signature is required on the application. Click on the application of choice below. They are available in Microsoft Word (.doc) or Adobe Acrobat (.pdf) for your convenience:

Back to top

CHIF staff regularly confer with staff from the Connecticut Department of Economic and Community Development in administering the Energy Conservation Loan Program.

Staff from the City of New Britain discuss the transfer of their portfolio to CHIF for servicing. CHIF services three loan programs for New Britain.

CHIF Program Administrators are available to assist applicants with Energy Conservation and Home Improvement Loans.

CHIF offers a variety of loan programs for Connecticut homeowners. CHIF offers programs for first-time homebuyers, as well as programs for existing homeowners to make their homes more energy-efficient.