Are you falling behind on your monthly mortgage payments? Have you found yourself overdue on your loan? You are not alone. Millions of people have trouble with their mortgage every year but foreclosure can often be prevented. Don't be scared or ashamed to request assistance. The following suggestions may assist you avoid foreclosure.
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Contact the Foreclosure Assistance Hotline Contact Your Mortgage Lender or Servicer Contact a HUD-Approved Housing Counselor Explore Refinancing, Loan Modification, and Mortgage Assistance Programs Consider a Reverse Mortgage Contact Legal Services Attend a Foreclosure Prevention Clinic Make an application for the Foreclosure Mediation Program Contact the CT Association for Community Action (CAFCA). Contact the Department of Social Service and Housing Programs. Contact the Mortgage Crisis Job Training Program. Contact Veterans Affairs. Avoid Foreclosure "Rescue" Scams. Protect Your Pet. Rights and Responsibilities of Landlords and Tenants in Foreclosed Properties

Helpful Resources

Foreclosure Hotline Bulletin. Boletín de la Línea Directa para Ejecución Hipotecaria

Contact the Foreclosure Hotline: 1-877-472-8313

The toll-free hotline, 1-877-472-8313, is open Monday-Friday 8:00 a.m. to 5:00 p.m. You can leave a message after hours and your call will be returned within 2 organization days.

Contact Your Mortgage Lender or Servicer

Act early. Contact your loan provider as quickly as you find yourself not able to make your monthly payment and make your lender familiar with your monetary problems. A workout may include affordable alternatives and payment plans. More than one-third of those who take effort and seek help succeed in discovering foreclosure alternatives.

Banks and banks will typically deal with delinquent customers and discover affordable plans rather than foreclosing on the loans right away.

Don't neglect letters from your loan provider if you miss out on payments. It is essential to understand that if you miss several mortgage payments and your loan is in default, your lender might start foreclosure procedures. You can make missed payments, plus any late costs, or get examined for mortgage help with your loan provider. It is essential that you contact your loan provider since lending institutions who think you are acting in excellent faith will want to deal with you.

Take actions to prevent a foreclosure as quickly as you recognize you are having problem paying. Be proactive. You can:

1. Take control and make or take the call. Review the terms and conditions of your mortgage. Call your lender about your options to avoid foreclosure.

1. Discover regional, state, and national resources to assist with your finances and to deal with your lending institution.
2. Avoid rip-offs. Scam artists try to make the most of house owners in default or foreclosure by charging thousands of dollars for false promises of help.
3. Submit a complete application for mortgage help early. Your lending institution is needed under new Consumer Financial Protection Bureau (CFPB) rules to provide an evaluation of foreclosure options. Submit a questions or complaint to the Department of Banking.
   
   Contact a HUD-Approved Housing Counselor
   
   - Assist in recognizing solutions to your financial issues.
4. Review your spending plan.
5. Negotiate with your mortgage business to resolve issues, consisting of federal and CHFA programs.
6. Assist in getting ready for the Judicial Foreclosure Mediation Program.
   
   Phone: 1-800-569-4287. Website: HUD Approved Housing Counseling Agencies in Connecticut
   
   Contact Homeowner's HOPE
   
   Homeowner's HOPE, a service of the nonprofit Homeownership Preservation Foundation and NeighborWorks America, is a toll-free hotline to help house owners avoid foreclosure by offering totally free assistance consisting of an action strategy, and is available 24 hours a day, 7 days a week.
   
   Phone: 1-888-995-HOPE (4673 )
   
   Contact the Department of Housing and (HUD): 860-240-4800
   
   The U.S. Department of Housing and Urban Development (HUD) Hartford Field Office can address your issues relating to HUD loans.
   
   Contact: Suzanne Piacentini, Field Office Director. Phone: (860) 240-4800
   
   Take a look at the HUD website, which offers guidance to house owners on Avoiding Foreclosure
   
   Check into Refinancing, Loan Modification, and Mortgage Assistance Programs
   
   Fannie Mae:
   
   Find out if your loan is owned by Fannie Mae. Options and resources offered from Fannie Mae.
   
   Freddie Mac:
   
   Discover if your loan is owned by Freddie Mac. Explore choices for assistance with your mortgage available from Freddie Mac.
   
   Guaranteed by FHA:
   
   - Learn if your loan is guaranteed by FHA by calling your lender. Information on avoiding foreclosure is found on the HUD site.
   
   Contact Connecticut Housing Finance Authority (CHFA)
   
   CHFA supplies mortgage funding at rates listed below the conventional market to use economical alternatives to low and moderate earnings newbie property buyers in Connecticut.
   
   Phone: (860) 721-9501/ (877) 571-CHFA (2432 ). E-mail: customer.service@chfa.org!.?.! Emergency Mortgage Assistance Program( EMAP) EMAP is administered by CHFA to
   
   provide emergency situation mortgage assistance payments to qualified house owners suffering a monetary hardship. Assistance is in the type of a 30-year, set rate completely amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service
   has loan programs that may be offered to re-finance your mortgage if you are in hazard of foreclosure, have a fixed rate mortgage, and depending upon your home earnings and the location of your house. Contact USDA for offered programs, qualifications, income standards and loan limits. Windham & New London Counties:. Norwich Service Center. 238 West Town Street. Norwich, CT 06360.
   
   Phone:( 860) 859-5218, X 200 or X 201 Tolland, Middlesex, Hartford, Litchfield, New Haven & Fairfield Counties: Windsor Service Center.
   
   100 Northfield Drive, fourth flooring. Windsor, CT 06095-4729. Phone:
   
   ( 860) 688-7725, X 130 Review FHA Streamlined Refinancing FHA Streamlined Refinance enables you to minimize the rates of interest on the
   
   current mortgage quickly and without an appraisal. -If you have an existing FHA loan, contact the FHA National Servicing Center at 877-622-8525.- If you have questions concerning the refinancing programs, get in touch with the FHA Resource Center at 1-800-225-5342, 8 am- 8 pm EST, Monday- Friday. Consider a Reverse Mortgage If one or both of the property owners on the title is over age 62, you may wish to consider a reverse
   mortgage. The Consumer Financial
   Protection Bureau and the Federal Trade Commission offer info on reverse mortgages. CHFA offers a Reverse Annuity Mortgage that allows a low-income house owner who is at least 70 years of age, with a need
   
   for long-term care or supportive services, to use the equity in his/her single-family home, condominium or planned system development to provide a month-to-month tax-free cash payment or lump sum at the closing. Contact CHFA, at( 860 )517-3502 or 1-877-571-2432. Contact Legal Services There are multiple options for complimentary and low-priced legal support in Connecticut if you have mortgage and/or foreclosure problems. Attend the Volunteer Attorney Program (VAP )Volunteer attorneys are offered through a State of Connecticut Judicial Branch program for recommendations and to address concerns about foreclosure and mortgage problems. Homeowners
   facing foreclosure throughout Connecticut are welcome to participate in at any courthouse. The Foreclosure Volunteer Attorney Program will be held every 1st and 3rd Wednesday of the month from 2:00 PM to 4:00 PM. See the schedule for particular dates. Please note: The schedules undergo alter due to the accessibility of volunteers, vacations, and harsh weather. To verify the volunteer attorney program schedule, please call 860-263-2734. Contact the County Bar Associations' Lawyer Referral Service County Bar Associations in Connecticut have a Lawyer Referral Service, with a lawyer who can answer legal questions. Appointments are$ 25 -$ 40 depending upon the county. Services beyond the
   
   initial half hour are at the lawyer's market rate. Hartford County *- 860-525-6052-$ 35 cost for 1/2 hour consultation. New Haven County- 203-562-5750-$ 35 fee for 1/2 hour consultation. New London County- 860-889-9384- $25.75 cost for 1/2 hour assessment * The Hartford County Bar also covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services provides totally free legal suggestions and assistance to low-income individuals with noncriminal legal matters, consisting of landlord/tenant issues and foreclosure cases
   resulting in Housing Court expulsions. Note: Does not presently provide foreclosure assistance.
   
   Phone:( 860) 344-0380( Central Connecticut & Middletown ), or 1-800-453-3320( for other areas ). Reference: Foreclosure: Your Rights and Options Visit a Court Service Center Court Service Centers readily available at some Superior Court areas offer the following to Connecticut homeowners: complimentary printers, facsimile machine, copiers, scanners, phones
   
   , electronic filing, work area, personnel assistance, Notary Public Services, calendar and docket information, court types, judicial publications, and work
   space. Superior Court places:
   Ansonia-Milford, Danbury, Fairfield, Hartford, Litchfield, Meriden, Middlesex, New Britain, New Haven, Norwich, Stamford, Tolland, Waterbury, and Windham.
   
   Contact the Consumer Law Project for Elders (CLPE): 1-800-296-1467
   
   Consumer Law Project for Elders (CLPE), a service of Statewide Legal Services, supplies complimentary legal support to Connecticut elders 60 and over who have customer concerns or problems, consisting of debt collection, predatory loaning and identity theft. Note: Does not use foreclosure services.
   
   Attend a Foreclosure Advice Virtual Meeting
   
   The Connecticut Fair Housing Center offers house owners at danger of foreclosure the chance to schedule a free Foreclosure Advice Virtual Meeting to talk with an attorney and receive suggestions about foreclosure. Eligible participants will be able to arrange 15-minute consultations on set dates with a lawyer.
   
   Phone: 1-888-247-4401 or toll free: 888-247-4401 Reference: Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners
   
   The Connecticut Fair Housing Center, a non-profit agency in Hartford, works as a resource for customers, housing counselors, consumer lawyers, and policy makers on foreclosure prevention, accountable financing, and mortgage loaning discrimination.
   
   Apply for the Foreclosure Mediation Program
   
   Foreclosure is a court procedure and you need to follow the process thoroughly to protect your rights. If you have actually been served with a summons and grievance and can not employ an attorney to represent you or you do not receive free legal assistance, you may represent yourself. The Judicial Department uses FAQs for persons who want to represent themselves in court, which consists of details about filing a Look form. Filing a Look entitles you to receive all court notifications and calendars concerning your foreclosure at the address you supply in the Appearance.
   
   Foreclosure Mediation Program is a voluntary program that was established in 2008, by the Chief Court Administrator in each judicial district to assist homeowners whose one-to-four family, owner-occupied house in Connecticut is the subject of a foreclosure action. The homeowner/borrower needs to file a Foreclosure Mediation Certificate kind (JD-CV-108), and a Look form (JD-CL-12). These kinds must be filed not more than fifteen (15) days from the return date on the Summons.
   
   If you have questions about the Foreclosure Mediation Program, please contact Julia Xia at 860-263-2734, ext. 3041, or email her at Yujia.Xai@jud.ct.gov.
   
   Contact the CT Association for Community Action (CAFCA)
   
   Connecticut's 12 Community Action Agencies (CAAs) assist individuals fulfill immediate requirements through services such as eviction and foreclosure prevention, energy/heating help, food pantries, and Weatherization. CAAs also empower individuals to enhance their monetary future through work services, financial literacy training, and other programs.
   
   To find your local CAA go to the Connecticut Association for Community Action, or call (860) 832-9438.
   
   Contact the Department of Social Services and Review Housing Programs
   
   2-1-1 is a partnership in between the State of Connecticut and United Way of Connecticut to supply a single source of info to Connecticut homeowners to help them in finding social work, human services and crisis intervention services in your area. Professional call experts help callers evaluate their situation and find appropriate services utilizing a comprehensive database of human service resources.
   
   Connecticut Department of Social Services (DSS), the Connecticut Housing Finance Authority, United Way's 2-1-1 Infoline, the U.S. Department of Housing and Urban Development and the U.S. Department of Agriculture - Rural Development are founding sponsors of a totally free housing windows registry to assist people find available and affordable rental housing in Connecticut. For info, call 1-877-428-8844 (en español, 1-877-428-8844, ext. 204).
   
   Contact the Mortgage Crisis Job Training Program
   
   The state-funded Mortgage Crisis Job Training Program is a project of The WorkPlace, Inc. and Capital Workforce Partners that assists homeowners increase their job abilities and making potential through tailored employment services and job training scholarships.
   
   Phone: 1-866-683-1682
   
   Contact Veterans Affairs
   
   The State of Connecticut Department of Veterans' Affairs, Office of Advocacy and Assistance provides support to veterans, qualified spouses and dependents in obtaining veterans benefits under federal, state and local laws.
   
   Phone: 1-866-9CT-VETS (1-866-928-8387) for the Veterans Info Line
   
   The Soldiers', Sailors' and Marines' Fund is a company of the State of Connecticut developed to help needy wartime veterans and their families and is administered by The American Legion. Connecticut veterans needing help might call a full-time Veterans Aid Investigator to discuss their scenario, the assistance that might be offered and how to use. Assistance, which may consist of assist with mortgage interest payments, is offered short-lived durations only.
   
   Phone: 1-800-491-4941
   
   The U.S. Department of Veterans Affairs Mortgage Guaranty Program helps qualified veterans, active service workers, Reserve members and National Guard workers with purchasing and retaining a home. If you have a VA loan and are having a problem paying, the program might be able to arrange a payment strategy or other alternative to foreclosure. For mortgage therapy, contact the Regional Loan Center for Connecticut at:
   
   Phone: 1-800-827-6311 or 1-800-827-0336
   
   Avoid Foreclosure "Rescue" Scams
   
   People in foreclosure are frequently targeted for foreclosure rescue rip-offs. Be really cautious of non-lawyers who ask you to pay a charge for a therapy service, modification of an existing loan, or foreclosure avoidance, or claim to be able to perform a "forensic audit" of your loan documents, regardless of their guarantees or claims. Many out-of-state attorneys target Connecticut homeowners: you must never pay attorneys that you do not satisfy. For additional information, see Mortgage Relief Scams from the FTC and the CFPB's How to Spot and Avoid Foreclosure Relief Scams.
   
   In a few of these "rescue" scams, a con artist promises to assist you save your home, but is actually bent on stealing your home or the majority of the equity you have actually accumulated in your house. According to the FTC, the following are warning indications of a mortgage relief fraud:
   
   Scammers will require payment upfront, before you get any services. That's prohibited - and an indication to avoid them. Scammers may want you to pay only by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay by doing this since it's difficult to get your cash back. Scammers may try to persuade you to transfer the deed to your home to them. The deed is the legal document that proves who owns the home. If you move the deed, you're not likely to get it back.
7. Scammers may pose as a foreclosure avoidance specialist, however truly is a counterfeit counselor who charges large charges in exchange for making a couple of telephone call or completing some documents that a property owner might quickly do for himself. None of the actions result in saving the home. Turning to a HUD-approved counselor for support is one way to avoid this type of scams.
   
   Protect Your Pet
   
   Pets are not just buddies, however part of the family. If you are faced with foreclosure and need to move where pets are not permitted, or if you can no longer manage to keep your family pet, please do not abandon your family pet. Try to find a buddy, colleague or relative ready to accept your animal.