Home Buying Guide

Buying a home in western Connecticut involves unique considerations, from high property taxes to radon testing and attorney‑review closings. Follow these steps to navigate the process smoothly.

Step 1: Get your finances in order

Assess your savings and credit. In Connecticut, buyers typically pay closing costs of 2–6 % of the purchase price and property taxes averaging about 1.92 % of market value. Begin with mortgage pre‑approval; check whether you qualify for CHFA programs (such as Time to Own) which offer 0 %‑interest down‑payment assistance loans.

Step 2: Choose a local agent and start the search

A local REALTOR® will understand neighborhoods, mill rates and market trends. Determine your priorities (schools, commute, lifestyle) and research towns across Fairfield, Litchfield and New Haven counties.

Step 3: Understand taxes and mill rates

Connecticut towns tax property at 70 % of fair market value and apply a mill rate (one mill equals $1 per $1,000 of assessed value). Mill rates vary widely, affecting your monthly payment. Ask your agent for local mill rates and consider them when comparing homes.

Step 4: Make an offer and review disclosures

When you find a home, your agent will help you craft a competitive offer. Sellers must provide the Residential Property Condition Disclosure Report detailing structural components, systems, environmental hazards, legal issues and more. Review it carefully and discuss any concerns with your agent.

Step 5: Schedule inspections

Connecticut doesn’t legally require home inspections, but they are strongly recommended. A licensed home inspection reveals which systems are working and which are not and can save buyers tens of thousands of dollars. Specialized inspections for radon, water quality, septic systems and underground oil tanks are common. High radon levels are frequent in Connecticut and should always be tested.

Step 6: Attorney review and financing

Connecticut is an attorney state; your real‑estate attorney will review the contract, ensure title is clear and attend closing. Loan underwriting, appraisal and title work typically take 30–45 days. Stay responsive to your lender to avoid delays.

Step 7: Finalize details and close

Before closing, conduct a final walk‑through, secure homeowners and flood insurance if required and review the closing disclosure (3 days prior). On closing day you’ll sign documents, pay closing costs (2–6 % of purchase price) and receive keys. Property tax payments are due semi‑annually.

Call to action

Let CENTURY 21 Bette Real Estate guide you through every step of the buying process. Our agents know western Connecticut and will help you find the right home, negotiate effectively and connect you with lenders, inspectors and attorneys. Call (203) 264‑2500 or email info@betterealtors.com to start your home‑buying journey.