I would need to know more about the program, within CHFA, that this banker is offering to you. There are communitties, throughout Ct, that have what they title as, Pilot Programs. In this situation, the CHFA terms are a bit different. Some of the towns have offered to pay some of the expenses for the buyer, with additional stipulations on the homeownership. The rates are the lowest that they have ever been in the last thirty years. If you are able to buy a home now, you would be very fortunate to grab these low rates.