Affordable Housing

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February 28, 2023

Due to weather conditions, NY banking centers in Orange, Rockland, Ulster, and Sullivan county will open at 10am today. Online Banking, Mobile Banking, ATM’s, and the Contact Center remain available.

From Dream to Reality

Affordable Housing

At Webster Bank, we believe that everyone deserves a place to call home. That’s why we’re proud to offer special programs that make it easier to own a home.

Available mortgage programs

You're Home

Giving more families the chance to say “we’re home”.

Low down payment
Owner-occupied 1-4 family, condos and NY Co-ops eligible
Up to $25,000 in down payment and closing cost assistance
Eligible borrowers can earn up to 80% of Area Median Income
Reduced interest rate solutions in eligible geographic areas¹ for purchase and refinance
Discounted Mortgage Insurance available
Non-traditional credit history acceptable
Homebuyer education required
Available in CT, MA, RI and NY

Down Payment and Closing Cost Assistance

Program is intended to assist first-time homebuyers who might otherwise not be able to afford a home by offering assistance with down payments and closing costs.

A gift equal to lesser of 10% of purchase price or appraised value, up to a maximum of $25,000 and based on need only²
A Bona fide gift with no repayment required
This gift is available with our HOPE and You’re Home programs²
Borrower(s) must be a first-time buyer(s)³ and meet Area Median Income program requirements⁴
Available in CT, MA, RI and NY

Home Ownership Possibilities for Everyone (HOPE)

Sometimes, all it takes is a little HOPE to make your dream of homeownership a reality.

Low down payment
Owner-occupied 1-4 family and condos eligible
Up to $25,000 in down payment and closing cost assistance
Eligible borrowers can earn up to 120% of Area Median Income
Reduced interest rate solutions in eligible geographic areas¹ for purchase and refinance
Discounted Mortgage Insurance available
Non-traditional credit history acceptable
Homebuyer education required
Available in CT, MA, RI and NY

The Moment

Fuller Family

Angela dreamed of owning a home. While other banks would not approve a mortgage for another two years, Webster made it possible now. Through special mortgage options and downpayment assistance, Angela was able to purchase a house and make it her own. Today, Angela’s family proudly enjoys the independence of living in their own home.

couple reviewing financial paperwork with mortgage banker

Meet our Community Liaison Officers

Webster’s network of Community Liaison Officers (CLOs) support communities within our expanded footprint. The CLOs work in partnership with Webster’s Office of Corporate Responsibility (OCR) to provide support and financial education to low-to-moderate income (LMI) and minority borrowers. They also work to increase lending options to meet local credit needs, especially for first-time homebuyers.

Find a CLO

father and kids hanging picture in new home

Educational resources

Access resources that will help you learn, save and prepare for the home-buying process.

Learn More

Let’s make homeownership possible for you today

Speak to a Community Liaison Officer or a Mortgage Banking Officer today to learn how to get started.

Find a Banking Center

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Please do not enter any confidential or personally-identifiable information, such as your social security number, account number(s), or any username(s) and/or password(s) in this form.

Disclosures

All of our mortgage originators are registered with the Nationwide Mortgage Licensing System and Registry (NMLS System). To obtain the NMLS identification number of a Webster Bank Loan Officer, please call our Contact Center at 800.325.2424. The NMLS identification number can be used to search the NMLS National Database to view their background information.
All loans are subject to the credit approval process. These offers are subject to change without notice and may be withdrawn at any time.
¹ Speak with a Mortgage banker for details on specific eligible geographic areas.
² Required borrower contributions and down payments vary based on loan type, Loan to Value (LTV), and underwriting criteria. Speak with a Mortgage banker for details.
³ First-time homebuyers only. The borrower(s) cannot have held ownership interest in a primary residence in the three (3) years prior to the closing date of the loan. Property must be owner-occupied only. Subject to 1^st lien guidelines.
⁴ All census tracts must not exceed 100% for HOPE program and 80% for You’re Home Program of the Housing and Urban Development Median Income Limit. Ineligible properties include Condotels, Manufactured Homes and Mixed-Use Properties.