Stopping Foreclosure in Connecticut (CT)

How to Avoid Foreclosure in Connecticut: Steps Every Homeowner Should Know

Facing foreclosure can feel overwhelming, but if you act quickly and know your rights, you may be able to save your home — or at least protect your financial future. Connecticut has specific programs and timelines that can give homeowners valuable time to find solutions. Here’s what you need to know.

1. Don’t Ignore the Problem

In Connecticut, missing even a few mortgage payments can trigger a Notice of Default. If you fall behind, don’t wait for the lender to start the foreclosure process. The earlier you reach out, the more options you have. Open every letter from your lender — ignoring them can close doors that could otherwise help you.

2. Contact Your Lender Right Away

Call your lender or loan servicer as soon as you know you’re struggling. Explain your situation honestly and ask about:

• Forbearance: A short-term pause or reduction in payments.

• Loan modification: Adjusting your interest rate or extending your loan term.

• Repayment plan: Spreading missed payments over several months.

Most lenders would rather work out a plan than go through a lengthy Connecticut foreclosure — which can take several months or even years.

3. Explore Connecticut’s Foreclosure Mediation Program

Connecticut offers a Foreclosure Mediation Program through the state’s Judicial Branch — one of the most homeowner-friendly systems in the country.

• You’ll be notified about mediation when you receive your foreclosure summons.

• If you participate, the court will pause foreclosure proceedings while you and the lender work with a neutral mediator to find an alternative (like modification or short sale).

• Tip: You must opt into mediation within 15 days of receiving the foreclosure papers — don’t miss that window.

Learn more here: https://jud.ct.gov/foreclosure