- Who sends it
- Your lender (the mortgagee), by registered or certified mail to the home's address
- What it starts
- 60 days from the date of the notice to meet the lender or a counselor and contact CHFA (Conn. Gen. Stat. § 8-265ee(a))
- Do this first
- Call your servicer to set a meeting and call CHFA EMAP Customer Service at (860) 571-3500
What this notice is in Connecticut
Conn. Gen. Stat. § 8-265ee(a) says a lender may not start a foreclosure of a covered mortgage before mailing this notice. The law calls it a notice of intent to foreclose (§ 8-265ff(a)), and courts and lawyers often call it the EMAP notice because it points you to CHFA's Emergency Mortgage Assistance Program.
It must tell you that you are behind or in default, and that you have 60 days to (1) have a face-to-face meeting, phone call or other conference with the lender, or a face-to-face meeting with a consumer credit counseling agency, to try to fix the default, and (2) contact CHFA, at an address and phone number printed in the notice, about emergency mortgage assistance.
It covers your principal residence, if the loan was not taken for business purposes, you have not had EMAP help before (with some exceptions), and your only default is missed money (§§ 8-265ee(a), 8-265ff(e)). If the lender's notice to accelerate comes with it, the lender must also include the court's Notice of Community-Based Resources (JD-CV-126) (§ 49-31r).
What it does and does not mean
- It is not a lawsuit. No court case, law day or sale date exists yet.
- It is a warning that a writ, summons and complaint can follow after the 60 days.
- Applying to EMAP gives you a 30-day window: CHFA must decide within 30 calendar days of getting your application, and no foreclosure judgment can enter during that time (§ 8-265ff(e)).
- EMAP is a loan, not a grant. Repayment is deferred until you sell, refinance or stop living in the home, according to CHFA.
- It does not promise help. EMAP runs within available funds, and CHFA decides who qualifies.
The deadline and how to count it
- You have 60 days from the date of the notice, not from the day you open it. Count calendar days starting the day after the date printed on the notice.
- If you skip the meeting or miss the time limits in the notice, the lender can go ahead after filing an affidavit with the court saying so (§ 8-265ee(b)). If the lender refuses to meet you, that rule does not apply.
- If you reach an agreement with the lender and then fall behind on it because of a hardship beyond your control, you can apply to EMAP within 30 days after the missed agreement payment (§ 8-265ee(c)).
- No judgment of strict foreclosure or foreclosure by sale can enter unless this notice was given and its time ran out, and any EMAP application was decided or its time ran out (§ 8-265dd(b)).
What to do this week
- Write the 60th day on your calendar.
- Call your servicer and ask for a meeting or phone conference about the default. Write down the date, the person's name and what was said.
- Call the Department of Banking Foreclosure Assistance Hotline at 1-877-472-8313 and a CHFA-participating HUD-approved housing counselor.
- Call CHFA EMAP Customer Service at (860) 571-3500. CHFA's application says that if you are 60 days or more behind, you must first work with your servicer and get its decision before you apply.
- Start gathering what the EMAP application asks for: ID, a hardship letter with proof, your note and mortgage deed, a recent mortgage statement, tax returns, and one month of pay stubs.
- Read how to stop foreclosure in Connecticut.
Help in Connecticut and scam warnings
- Free help: CHFA EMAP (860) 571-3500, the Department of Banking hotline 1-877-472-8313, Statewide Legal Services 1-800-453-3320, and the Connecticut Fair Housing Center 860-247-4400. The Connecticut foreclosure help page explains each.
- Anyone who charges a fee to negotiate with your lender or offer foreclosure rescue must hold a Department of Banking debt negotiation license, give you a written contract, and let you cancel within 3 business days (Conn. Gen. Stat. §§ 36a-671, 36a-671b).
- Never sign over your deed or pay upfront to someone who promises to stop the foreclosure.
The rest of the Connecticut process
See how foreclosure works in Connecticut, the timeline, ways to stop it and free help in Connecticut, or read the national guide to this letter.
Common questions
Can a Connecticut lender sue without sending the 60-day EMAP notice?
Not for a covered mortgage. Section 8-265ee(a) says no foreclosure may begin before the notice is mailed. The case notes printed with the official statute say a lender whose earlier case was dismissed must mail a new notice before starting again. If you never got one, tell a lawyer or legal aid.
Does applying to EMAP stop my Connecticut foreclosure?
It pauses judgment, not the whole case. While CHFA makes its decision, which must come within 30 calendar days of receiving your application, no judgment of strict foreclosure or foreclosure by sale can enter (Conn. Gen. Stat. § 8-265ff(e)).
Is Connecticut's EMAP still open?
CHFA's EMAP page and application package (revised May 2026) are posted and list a phone number, and the page does not say it is closed. The law says it runs within available funds, so call (860) 571-3500 to ask. MyHomeCT, the federal Homeowner Assistance Fund program, is closed.
Can I use mediation and EMAP at the same time in Connecticut?
Yes. The law lets you use the court mediation program at the same time, and mediation can refer you to EMAP to apply or reapply (Conn. Gen. Stat. § 8-265ee(d)).
Other Connecticut letters
- Writ, Summons and Complaint, with the notice "You Are Being Sued and You Are in Danger of Losing Your Property" (JD-CV-103)A Connecticut foreclosure is a Superior Court lawsuit, and a state marshal serves you the writ, summons and complaint. On top must be the court's notice "You Are Being Sued and You Are in Danger of Losing Your Property." Your deadlines count from the return date on the summons, so find it first.
- Notice to Homeowner or Religious Organization: Availability of Foreclosure Mediation (JD-CV-127)If you own and live in a 1 to 4 family home, this court notice explains the free Ezequiel Santiago Foreclosure Mediation Program. You must file the Foreclosure Mediation Certificate and an Appearance within 15 days after the return date. While mediation is open, no foreclosure judgment can enter.
- Judgment of strict foreclosure and law day letterA judgment of strict foreclosure sets law days. If you do not pay the full debt, with costs, by your law day, title passes to the lender with no auction and no surplus. If you did not file an Appearance, the lender must mail you a letter about the judgment within 10 days.
- Judgment of foreclosure by sale and sale date letterWhen a judge orders a foreclosure by sale, the court appoints a committee to auction the home at noon on the property on a set date. If you did not file an Appearance, the lender must mail you a letter within 10 days. The sale is not final until the court approves it, and leftover money can go to you.
- Application and Execution for Ejectment, Mortgage Foreclosure (JD-CV-30)After title passes in a Connecticut foreclosure, the new owner can get an execution for ejectment from the court. A state marshal serves it, and removal cannot happen until at least 5 business days after service. Belongings left behind go to town storage and can be sold if not claimed within 15 days.