Are you falling behind on your monthly mortgage payments? Have you found yourself overdue on your loan? You are not alone. Countless individuals have problem with their mortgage every year but foreclosure can typically be avoided. Don't hesitate or embarrassed to request aid. The following suggestions may assist you prevent foreclosure.

Contact the Foreclosure Assistance Hotline Contact Your Mortgage Lender or Servicer Contact a HUD-Approved Housing Counselor Look into Refinancing, Loan Modification, and Mortgage Assistance Programs Consider a Reverse Mortgage Contact Legal Services Attend a Foreclosure Prevention Clinic Request 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 service 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 knowledgeable about your financial difficulties. A workout might consist of affordable options and payment plans. More than one-third of those who take initiative and look for assistance achieve success in discovering foreclosure alternatives.

Banks and monetary organizations will often deal with delinquent borrowers and find reasonable plans rather than foreclosing on the loans right away.

Don't neglect letters from your loan provider if you miss payments. It is essential to understand that if you miss numerous mortgage payments and your loan remains in default, your lender might begin foreclosure procedures. You can make missed payments, plus any late charges, or get evaluated for mortgage help with your loan provider. It is essential that you contact your lending institution since lenders who believe you are acting in good faith will be prepared to deal with you.

Take steps to avoid a foreclosure as quickly as you understand you are having trouble making payments. Be proactive. You can:

1. Take control and make or take the call. Review the terms of your mortgage. Call your loan provider about your alternatives to prevent foreclosure.

1. Learn about local, state, and nationwide resources to help with your financial resources and to work with your lending institution.
2. Avoid frauds. Scam artists attempt to make the most of property owners in default or foreclosure by charging thousands of dollars for false promises of assistance.
3. Submit a complete application for mortgage support early. Your lender is required under brand-new Consumer Financial Protection Bureau (CFPB) guidelines to provide a review of foreclosure alternatives. Submit an inquiry or grievance to the Department of Banking.
   
   Contact a HUD-Approved Housing Counselor
   
   - Assist in recognizing services to your monetary issues.
4. Review your budget.
5. Negotiate with your mortgage company to address concerns, consisting of federal and CHFA programs.
6. Assist in preparing 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 homeowners avoid foreclosure by providing free assistance including an action plan, and is available 24 hr a day, 7 days a week.
   
   Phone: 1-888-995-HOPE (4673 )
   
   Contact the Department of Housing and Urban Development (HUD): 860-240-4800
   
   The U.S. Department of Housing and Urban Development (HUD) Hartford Field Office can resolve your concerns regarding HUD loans.
   
   Contact: Suzanne Piacentini, Field Office Director. Phone: (860) 240-4800
   
   Take a look at the HUD website, which uses assistance to homeowners on Avoiding Foreclosure
   
   Check into Refinancing, Loan Modification, and Mortgage Assistance Programs
   
   Fannie Mae:
   
   Learn if your loan is owned by Fannie Mae. Options and resources readily available from Fannie Mae.
   
   Freddie Mac:
   
   Learn if your loan is owned by Freddie Mac. Explore choices for help with your mortgage readily available from Freddie Mac.
   
   Guaranteed by FHA:
   
   - Learn if your loan is guaranteed by FHA by calling your lender. Information on avoiding foreclosure is discovered on the HUD site.
   
   Contact Connecticut Housing Finance Authority (CHFA)
   
   CHFA supplies mortgage financing at rates below the conventional market to provide economical options to low and moderate earnings novice 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 by CHFA to
   
   offer emergency situation mortgage support payments to eligible house owners suffering a financial hardship. Assistance is in the kind of a 30-year, set rate completely amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service
   has loan programs that may be readily available to refinance your mortgage if you remain in risk of foreclosure, have a fixed rate mortgage, and depending upon your family earnings and the location of your residence. Contact USDA for available programs, qualifications, income guidelines 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 allows you to minimize the rate of interest on the
   
   existing mortgage rapidly and without an appraisal. -If you have an existing FHA loan, call the FHA National Servicing Center at 877-622-8525.- If you have concerns concerning the refinancing programs, call 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 homeowners on the title is over age 62, you may wish to think about a reverse
   mortgage. The Consumer Financial
   Protection Bureau and the Federal Trade Commission use info on reverse mortgages. CHFA uses a Reverse Annuity Mortgage that permits a low-income homeowner who is at least 70 years of age, with a need
   
   for long-lasting care or supportive services, to utilize the equity in his/her single-family home, condominium or planned unit advancement to offer a regular monthly 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 choices free of charge and affordable legal support in Connecticut if you have mortgage and/or foreclosure issues. Attend the Volunteer Attorney Program (VAP )Volunteer attorneys are offered through a State of Connecticut Judicial Branch program for guidance and to answer questions about foreclosure and mortgage concerns. Homeowners
   dealing with 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 are subject to change due to the schedule of volunteers, vacations, and inclement weather condition. 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 respond to legal questions. Appointments are$ 25 -$ 40 depending on the county. Services beyond the
   
   initial half hour are at the attorney's market rate. Hartford County *- 860-525-6052-$ 35 fee for 1/2 hour consultation. New Haven County- 203-562-5750-$ 35 cost for 1/2 hour assessment. New London County- 860-889-9384- $25.75 charge for 1/2 hour consultation * The Hartford County Bar also covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services provides complimentary legal guidance and assistance to low-income people with noncriminal legal matters, including landlord/tenant issues and foreclosure cases
   resulting in Housing Court expulsions. Note: Does not currently provide foreclosure support.
   
   Phone:( 860) 344-0380( Central Connecticut & Middletown ), or 1-800-453-3320( for other regions ). Reference: Foreclosure: Your Rights and Options Visit a Court Service Center Court Service Centers available at some Superior Court areas offer the following to Connecticut homeowners: complimentary printers, fax machines, copiers, scanners, phones
   
   , electronic filing, work space, staff assistance, Notary Public Services, calendar and docket information, court types, judicial publications, and work
   space. Superior Court areas:
   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 totally free legal help to Connecticut elders 60 and over who have customer concerns or problems, consisting of debt collection, predatory financing and identity theft. Note: Does not offer foreclosure services.
   
   Attend a Foreclosure Advice Virtual Meeting
   
   The Connecticut Fair Housing Center provides property owners at danger of foreclosure the opportunity to schedule a totally free Foreclosure Advice Virtual Meeting to speak with an attorney and get guidance about foreclosure. Eligible participants will be able to arrange 15-minute appointments on set dates with an attorney.
   
   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 firm in Hartford, functions as a resource for borrowers, housing therapists, consumer lawyers, and policy makers on foreclosure prevention, accountable financing, and mortgage lending discrimination.
   
   Get the Foreclosure Mediation Program
   
   Foreclosure is a court process and you need to follow the procedure thoroughly to protect your rights. If you have actually been served with a summons and grievance and can not hire an attorney to represent you or you do not qualify for complimentary legal support, you might represent yourself. The Judicial Department uses FAQs for individuals who want to represent themselves in court, which consists of information about filing an Appearance kind. Filing a Look entitles you to get all court notices and calendars worrying your foreclosure at the address you offer in the Appearance.
   
   Foreclosure Mediation Program is a voluntary program that was developed in 2008, by the Chief Court Administrator in each judicial district to help property owners whose one-to-four household, owner-occupied domestic property in Connecticut is the subject of a foreclosure action. The homeowner/borrower needs to file a Foreclosure Mediation Certificate form (JD-CV-108), and a Look kind (JD-CL-12). These kinds should 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 people meet immediate needs through services such as expulsion and foreclosure avoidance, energy/heating help, food kitchens, and Weatherization. CAAs also empower individuals to enhance their financial future through employment services, monetary literacy training, and other programs.
   
   To locate your regional CAA check out 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 provide a single source of info to Connecticut locals to help them in locating social work, human services and crisis intervention services in your area. Professional call specialists assist callers assess their situation and find proper services using a detailed 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 free housing registry to help individuals find accessible and budget friendly 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 task of The WorkPlace, Inc. and Capital Workforce Partners that assists homeowners increase their task abilities and earning potential through customized employment services and task training scholarships.
   
   Phone: 1-866-683-1682
   
   Contact Veterans Affairs
   
   The State of Connecticut Department of Veterans' Affairs, Office of Advocacy and Assistance supplies help to veterans, eligible spouses and dependents in getting veterans benefits under federal, state and regional 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 established to assist clingy wartime veterans and their households and is administered by The American Legion. Connecticut veterans needing assistance might call a full-time Veterans Aid Investigator to discuss their scenario, the support that may be available and how to use. Assistance, which may consist of aid with mortgage interest payments, is offered short-lived periods just.
   
   Phone: 1-800-491-4941
   
   The U.S. Department of Veterans Affairs Mortgage Guaranty Program assists eligible veterans, active service personnel, Reserve members and National Guard personnel with getting and retaining a home. If you have a VA loan and are having a problem making payments, the program may have the ability to organize a repayment plan or other alternative to foreclosure. For mortgage therapy, call 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 regularly targeted for foreclosure rescue frauds. Be really mindful of non-lawyers who ask you to pay a fee for a therapy service, modification of an existing loan, or foreclosure avoidance, or claim to be able to carry out a "forensic audit" of your loan files, despite their promises or claims. Many out-of-state attorneys target Connecticut homeowners: you need to never pay lawyers that you do not meet. For more details, 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" frauds, a scam artist guarantees to assist you save your home, however is in fact bent on stealing your home or the majority of the equity you have actually accumulated in your home. According to the FTC, the following are cautioning indications of a mortgage relief scam:
   
   Scammers will demand payment in advance, before you get any services. That's unlawful - and an indication to prevent them. Scammers may want you to pay just by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay in this manner due to the fact that it's tough to get your refund. Scammers may attempt 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 transfer the deed, you're not likely to get it back.
7. Scammers might position as a foreclosure prevention expert, but really is a counterfeit counselor who charges hefty charges in exchange for making a couple of telephone call or finishing some paperwork that a property owner could 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 prevent this kind of scams.
   
   Protect Your Pet
   
   Pets are not just buddies, but part of the family. If you are faced with foreclosure and require to move where family pets are not allowed, or if you can no longer pay for to maintain your family pet, please do not desert your family pet. Search for a buddy, colleague or family member ready to accept your animal.