Free foreclosure help in Connecticut

Who to call first, by situation

• You are not behind yet but expect trouble

  Before you miss a payment

  Call your servicer and ask about hardship options. Connecticut Housing Finance Authority (CHFA): Emergency Mortgage Assistance Program at (860) 571-3500 lists HUD-approved counselors and can tell you whether EMAP funds are available.

• You are behind or got the 60-day notice

  Within days of the notice; you have 60 days

  Call the Connecticut Department of Banking: Foreclosure Assistance Hotline at 1-877-472-8313, open weekdays 8 a.m. to 5 p.m., for guidance. Contact Connecticut Housing Finance Authority (CHFA): Emergency Mortgage Assistance Program as the notice says. MyHomeCT is closed and HAF money ended September 30, 2026.

  Conn. Gen. Stat. § 8-265ee

• A marshal served you with a foreclosure lawsuit

  Immediately; 15 days after the return date to ask for mediation

  Use the forms on the Connecticut Judicial Branch: Foreclosure Mediation Program page to file your Appearance and Foreclosure Mediation Certificate. For free legal help, call Statewide Legal Services of Connecticut at 1-800-453-3320 or Connecticut Fair Housing Center: Foreclosure Advice at 860-247-4400. CTLawHelp: Foreclosure, Your Rights and Options explains each step.

  Conn. Gen. Stat. § 49-31l(c)

• A law day or sale date has been set

  The same day you learn of it

  Call Statewide Legal Services of Connecticut or a lawyer about a motion to open the judgment or extend the date. For a private lawyer, Connecticut Bar Association: Ways to Get Legal Help lists county lawyer referral services.

  Conn. Gen. Stat. § 49-15

• Your servicer is not following the rules

  As soon as the problem happens

  Keep notes of dates, names and calls. If your case is in mediation, tell the mediator. You can file a complaint with Connecticut Department of Banking: Consumer Assistance, which regulates mortgage lenders and servicers.

• A rescue company contacted you

  Before you sign or pay anything

  In Connecticut, anyone charging a fee to negotiate with your lender must hold a Department of Banking license. They must give you a written contract you can cancel within 3 business days, and they cannot collect a fee before the work is done. Never sign over your deed. Report problems to Connecticut Department of Banking: Consumer Assistance or Connecticut Office of the Attorney General: File a Complaint.

  Conn. Gen. Stat. §§ 36a-671, 36a-671b

Official and nonprofit help in Connecticut

None of these charge homeowners for foreclosure help.

• Connecticut Housing Finance Authority (CHFA): Emergency Mortgage Assistance Program

  Runs the state Emergency Mortgage Assistance Program and lists CHFA-participating, HUD-approved housing counselors.

  (860) 571-3500

• Connecticut Department of Banking: Foreclosure Assistance Hotline

  State hotline, open weekdays 8 a.m. to 5 p.m., that gives advice and guidance on mortgage problems and your foreclosure case.

  1-877-472-8313

• Connecticut Department of Banking: Consumer Assistance

  Takes complaints and questions about mortgage lenders, servicers and other companies the department regulates.

• Connecticut Office of the Attorney General: File a Complaint

  Takes consumer complaints and may offer informal mediation. For mortgage problems it sends you to the Department of Banking hotline.

• Connecticut Judicial Branch: Foreclosure Mediation Program

  Official court page with the mediation forms, the Appearance form and homeowner questions and answers.

• CTLawHelp: Foreclosure, Your Rights and Options

  Plain-language guide from Connecticut's legal aid programs on court forms, mediation, law days and what happens after foreclosure.

• Statewide Legal Services of Connecticut

  Legal aid hotline and online application for free legal help for Connecticut residents with low income.

  1-800-453-3320

• Connecticut Fair Housing Center: Foreclosure Advice

  Free virtual meetings with an attorney for homeowners at risk of foreclosure, plus a free guide to representing yourself.

  860-247-4400

• Connecticut Bar Association: Ways to Get Legal Help

  Lists free advice programs and the county bar lawyer referral services: Hartford County (860) 525-6052, New Haven County (203) 562-5750 and New London County (860) 889-9384.

MyHomeCT (Homeowner Assistance Fund)

MyHomeCT, Connecticut's Homeowner Assistance Fund program, is closed. CHFA's page says it stopped taking new applications on September 1, 2023, and the U.S. Treasury says HAF programs can no longer pay assistance after September 30, 2026. A separate state program still appears on CHFA's site with an application package: the Emergency Mortgage Assistance Program (EMAP). CHFA says EMAP may help homeowners who fell behind, or expect to, because of a hardship beyond their control. It can pay to bring the loan current and, for some, make monthly payments for a time. It is a loan that you repay later, for example when you sell or stop living in the home. Call EMAP Customer Service at (860) 571-3500 to ask whether funds are available.

Check the program’s current status

Common questions in Connecticut