Congratulations!  You have decided to buy a new home!  The attached pamphlet, Buying Your Home, Settlement Costs and Helpful Information," was prepared by the U.S. Department of Housing and Urban Development to describe the home buying, financing, and settlement process.  Although no two transactions are alike, it is intended to eliminate, as much as possible, the mysteries behind the settlement process.

There are a series of functions in a real estate transaction that may require an attorney's professional expertise.  Please refer to the attached pamphlet, "Why Use An Attorney"  prepared by CATIC to learn more about the details  that may be involved in your real estate transaction and how an attorney might be able to assist you.

Mortgage lenders sometimes require different forms of insurance to protect their investment.  You should know what Title Insurance is and how it is difference from Homeowner's insurance.  Please read "Title Insurance versus Other Insurance" to learn more.

The Federal Trade Commission website provides useful information for consumers on a variety of real estate topics, such a tips on shopping for a mortgage, including the use of mortgage comparison calculators,  to help consumers make informed decisions when shopping for home loans.

The Department of Consumer Protection is responsible for the registration of all home improvement contractors doing business in Connecticut, as well as for the administration of the Home Improvement Guaranty Fund for consumers.  The Guaranty Fund can be very helpful if you have problems with your home improvement contractor.  The Department's website provides general information on home improvement and the laws regulating contractors.  The site also allows you to verify the license of a contractor.

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