Are you falling behind on your monthly mortgage payments? Have you discovered yourself overdue on your loan? You are not alone. Millions of people have trouble with their mortgage every year but foreclosure can typically be prevented. Don't be afraid or ashamed to request for assistance. The following ideas might assist you avoid 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
Apply 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 lending institution as quickly as you find yourself unable to make your regular monthly payment and make your lender mindful of your financial troubles. An exercise might include sensible alternatives and payment plans. More than one-third of those who take initiative and look for support succeed in finding foreclosure alternatives.

Banks and banks will often work with delinquent borrowers and discover sensible arrangements rather than foreclosing on the loans right away.

Don't disregard letters from your lender if you miss out on payments. It is essential to know that if you miss a number of mortgage payments and your loan remains in default, your lending institution might begin foreclosure proceedings. You can make missed out on payments, plus any late charges, or get evaluated for mortgage assistance with your lending institution. It is important that you call your lending institution given that loan providers who think you are acting in good faith will want to deal with you.

Take actions to prevent a foreclosure as quickly as you understand 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 loan provider about your alternatives to avoid foreclosure.
2. Find out about regional, state, and nationwide resources to help with your finances and to deal with your lending institution.
3. Avoid rip-offs. Scammer try to benefit from homeowners in default or foreclosure by charging thousands of dollars for incorrect promises of aid.
4. Submit a complete application for mortgage support early. Your lender is needed under new Consumer Financial Protection Bureau (CFPB) rules to supply a review of foreclosure options.
Submit a query or problem to the Department of Banking.

Contact a HUD-Approved Housing Counselor

- Assist in recognizing options to your financial concerns.
- Review your budget plan.
- Negotiate with your mortgage company to address issues, including federal and CHFA programs.
- 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 not-for-profit Homeownership Preservation Foundation and NeighborWorks America, is a toll-free hotline to help homeowners prevent foreclosure by supplying complimentary assistance including an action strategy, and is offered 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 concerning HUD loans.

Contact: Suzanne Piacentini, Field Office Director.
Phone: (860) 240-4800

Check out the HUD site, which offers assistance to property owners on Avoiding Foreclosure

Explore Refinancing, Loan Modification, and Mortgage Assistance Programs

Fannie Mae:

Find out if your loan is owned by Fannie Mae.
Options and resources available from Fannie Mae.

Freddie Mac:

Discover if your loan is owned by Freddie Mac.
Explore options for assist with your mortgage available from Freddie Mac.

Guaranteed by FHA:

- Learn if your loan is guaranteed by FHA by calling your lending institution.
Information on preventing foreclosure is found on the HUD website.

Contact Connecticut Housing Finance Authority (CHFA)

CHFA offers mortgage funding at rates listed below the standard market to provide affordable alternatives to low and moderate income first-time homebuyers 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

supply emergency situation mortgage support payments to qualified homeowners suffering a financial hardship. Assistance remains 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 are in threat of foreclosure, have a set rate mortgage, and depending upon your family income and the area of your residence. Contact USDA for offered programs, certifications, income guidelines and loan limitations. 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 decrease the rates of interest on the

present 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 questions regarding the refinancing programs, contact 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 might wish to consider a reverse

mortgage. The Consumer Financial

Protection Bureau and the Federal Trade Commission offer information on reverse mortgages. CHFA provides a Reverse Annuity Mortgage that allows a low-income house owner who is at least 70 years of age, with a need

for long-lasting care or encouraging services, to utilize the equity in his/her single-family home, condominium or prepared unit advancement to provide a month-to-month tax-free money payment or lump amount at the closing. Contact CHFA, at( 860 )517-3502 or 1-877-571-2432. Contact Legal Services There are multiple choices for complimentary and low-cost 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 suggestions and to answer concerns about foreclosure and mortgage issues. Homeowners

facing foreclosure throughout Connecticut are welcome to attend 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 change due to the availability of volunteers, holidays, and severe weather. To validate the volunteer lawyer 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 address legal questions. Appointments are$ 25 -$ 40 depending on the county. Services beyond the

preliminary half hour are at the attorney'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 assessment. New London County- 860-889-9384- $25.75 charge for 1/2 hour consultation * The Hartford County Bar likewise covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services offers free legal suggestions and support to low-income individuals with noncriminal legal matters, including landlord/tenant issues and foreclosure cases

leading to Housing Court expulsions. Note: Does not presently provide foreclosure support.

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 offered at some Superior Court places provide the following to Connecticut residents: totally free printers, facsimile machine, photo copiers, scanners, phones

, electronic filing, work space, staff help, Notary Public Services, calendar and docket
information, court forms, 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 complimentary legal help to Connecticut senior citizens 60 and over who have consumer questions or problems, consisting of financial obligation collection, predatory financing and identity theft. Note: Does not provide foreclosure services.

Attend a Foreclosure Advice Virtual Meeting

The Connecticut Fair Housing Center uses house owners at risk of foreclosure the chance to schedule a free Foreclosure Advice Virtual Meeting to talk to an attorney and get advice about foreclosure. Eligible participants will have the ability to arrange 15-minute visits on set dates with a lawyer.

Phone: 1-888-247-4401 or toll complimentary: 888-247-4401
Reference: Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners

The Connecticut Fair Housing Center, a non-profit firm in Hartford, acts as a resource for debtors, housing therapists, consumer attorneys, and policy makers on foreclosure prevention, responsible loaning, and mortgage lending discrimination.

Request the Foreclosure Mediation Program

Foreclosure is a court process and you must follow the process thoroughly to protect your rights. If you have actually been served with a summons and grievance and can not work with an attorney to represent you or you do not get approved for complimentary legal assistance, you might represent yourself. The Judicial Department uses FAQs for persons who wish to represent themselves in court, which consists of info about filing a Look form. Filing a Look entitles you to get all court notices and calendars concerning your foreclosure at the address you provide 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 help house owners whose one-to-four family, owner-occupied domestic home in Connecticut is the subject of a foreclosure action. The homeowner/borrower needs to submit a Foreclosure Mediation Certificate type (JD-CV-108), and an Appearance type (JD-CL-12). These kinds must be filed not more than fifteen (15) days from the return date on the Summons.

If you have concerns 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 satisfy immediate requirements through services such as eviction and foreclosure avoidance, energy/heating assistance, food kitchens, and Weatherization. CAAs likewise empower people to improve their financial future through work services, financial literacy training, and other programs.

To locate your local 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 collaboration between the State of Connecticut and United Way of Connecticut to offer a single source of details to Connecticut citizens to assist them in finding community services, human services and crisis intervention services in your area. Professional call experts assist callers examine their scenario and discover proper services using an extensive 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 computer registry to assist people find available and cost effective rental housing in Connecticut. For information, 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 job of The WorkPlace, Inc. and Capital Workforce Partners that helps homeowners increase their task skills and earning capacity through customized work 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 support to veterans, qualified spouses and dependents in acquiring 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 an agency of the State of Connecticut established to help needy wartime veterans and their families and is administered by The American Legion. Connecticut veterans needing assistance might get in touch with a full-time Veterans Aid Investigator to discuss their situation, the support that might be offered and how to use. Assistance, which might consist of assistance with mortgage interest payments, is offered short-lived periods 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 buying and keeping a home. If you have a VA loan and are having an issue paying, the program may be able to arrange a payment plan or other alternative to foreclosure. For mortgage counseling, 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 frequently targeted for foreclosure rescue frauds. Be extremely mindful of non-lawyers who ask you to pay a cost for a therapy service, adjustment of an existing loan, or foreclosure prevention, or claim to be able to carry out a "forensic audit" of your loan files, regardless of their promises or claims. Many out-of-state attorneys target Connecticut citizens: you ought to never ever pay attorneys that you do not satisfy. For more details, see Mortgage Relief Scams from the FTC and the CFPB's How to Spot and Avoid Foreclosure Relief Scams.

In some of these "rescue" rip-offs, a con artist guarantees to help you conserve your home, but is really bent on stealing your home or the majority of the equity you have accumulated in your house. According to the FTC, the following are alerting signs of a mortgage relief rip-off:

Scammers will demand 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 in this manner since it's difficult to get your money back.
Scammers may attempt to persuade you to transfer the deed to your home to them. The deed is the legal document that shows who owns the home. If you transfer the deed, you're not likely to get it back.
- Scammers may impersonate a foreclosure avoidance expert, however actually is a counterfeit counselor who charges hefty fees in exchange for making a couple of call or completing some documentation that a homeowner might quickly provide for himself. None of the actions result in conserving the home. Turning to a HUD-approved counselor for assistance is one way to prevent this type of scams.

Protect Your Pet

Pets are not just companions, however part of the family. If you are confronted with foreclosure and require to move where pets are not enabled, or if you can no longer afford to preserve your family pet, please do not abandon your animal. Search for a good friend, colleague or household member happy to accept your pet.