Foreclosure Resources

Resources from the Center

Final Report – Reverse Mortgage Servicing

Represent Yourself in Foreclosure: A Guide for Connecticut Homeowners

Foreclosure Prevention Clinics

Short Sale Fact Sheet (English)
Short Sale Fact Sheet (Spanish)

Additional Resources

Mediation
Homeowners facing foreclosure who have been served a “Summons & Complaint” from their mortgage company can participate in Connecticut’s Foreclosure Mediation Program. Mediation offers a homeowner the chance to meet with a court-employed mediator and an attorney from the mortgage company to discuss possibilities for “workouts” that will help them avoid foreclosure — such as a loan modification. More information about mediation can be found in our foreclosure guide “Represent Yourself in Foreclosure: A Guide for Connecticut Homeowners” and at our foreclosure clinics (where court-employed mediators speak) as well as at www.jud.ct.gov/foreclosure.

Housing Counselors
Homeowners with mortgage problems, regardless of whether their court cases have started or not, should consider working with a housing counselor. Housing counselors are experienced professionals with special access to the resources most helpful to homeowners. They are available at no cost throughout the state. The Connecticut Fair Housing Center provides expert assistance to housing counselors when complex issues arise in the course of their work. Contact information for housing counselors is available in our foreclosure guide “Represent Yourself in Foreclosure: A Guide for Connecticut Homeowners“and at The Connecticut Housing Finance Authority.

Judicial Branch Volunteer Attorney Program
Volunteer attorneys are available to give advice and answer foreclosure questions at the Superior Court locations, dates and times listed below. Please visit the Judicial Branch’s website to confirm this information, including whether the Program is being held during a particular week.

  • Bridgeport: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at 1061 Main Street., Room 208
  • Hartford: Every Tuesday morning from 9:00 a.m.-11:00 a.m. at 95 Washington Street, Room 103
  • New Britain: Every Wednesday morning from 9:00 a.m.-11:00 a.m. 20 Franklin Square, Room 406, 4th Floor.
  • New London: Every Wednesday afternoon from 2:00 p.m.-4:00 p.m. at 70 Huntington Street, Room E-309.
  • New Haven: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at 235 Church Street, start at the 1st Floor Court Service Center
  • Stamford: Every Wednesday morning from 9:30 a.m.-11:30 a.m. at 123 Hoyt Street, Rooms 704 & 705
  • Waterbury: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at 300 Grand Street, start at the 1st Floor Court Service Center

Homeowners facing foreclosure in any judicial district are welcome to attend. The Connecticut Fair Housing Center supports this program by recruiting and training volunteer attorneys and by providing the services of its own attorneys.

Connecticut Department of Banking’s Foreclosure Assistance Hotline
The Department of Banking runs a hotline for homeowners with questions about foreclosure. It is available Monday-Friday from 8 a.m. – 5:00 p.m. at (877) 472-8313. For more information and a comprehensive compilation of resources available to homeowners, go to www.ct.gov/dob. Department of Banking representatives participate in the Center’s foreclosure prevention clinics.

Stabilizing Urban Neighborhoods (SUN) Initiative
BlueHub Capital SUN Initiative helps Connecticut homeowners facing foreclosure or eviction to repurchase their homes with a new mortgage they can afford.  The program has helped participating homeowners to reduce their mortgage principal balances and monthly payments by an average of 35%.  To qualify, a homeowner needs to be (1) late on their mortgage, (2) live in the property as the primary resident, and (3) have stable income (SSI qualifies). To apply, homeowners can call SUN toll-free at (855) 604-4663 or visit www.SUNhomehelp.org.  There is no fee to apply.

Mortgage Crisis Job Training Program
Mortgage Crisis Job Training Program - LogoThe state-funded Mortgage Crisis Job Training Program is a project of The WorkPlace, Inc., in partnership with the Connecticut Housing Finance Authority (CHFA) and Capital Workforce Partners. The Program helps homeowners increase their job skills and earning potential and helps support the Center’s foreclosure prevention clinics. It offers customized employment services, job training scholarships, financial literacy, and credit counseling. For information, call (866) 683-1682 or visit the WorkPlace’s website.

Beware of Foreclosure Rescue Scams! 
People in foreclosure are frequently targeted by “foreclosure rescue scams.” Be cautious of non-lawyers who ask you to pay a fee for counseling, loan modification, foreclosure prevention, or a “forensic audit” of your loan documents, whatever their promises or claims. Many out-of-state attorneys target Connecticut residents; you should never pay attorneys whom you do not meet. Contact the Department of Banking for more information at (877) 472-8313 or go to www.preventloanscams.org.

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