Are you falling back on your monthly mortgage payments? Have you discovered yourself delinquent on your loan? You are not alone. Millions of individuals have trouble with their mortgage every year but foreclosure can typically be avoided. Don't be afraid or embarrassed to ask for help. The following ideas might help you avoid foreclosure.

Contact the Foreclosure Assistance Hotline Contact Your Mortgage Lender or Servicer Contact a HUD-Approved Housing Counselor Check out Refinancing, Loan Modification, and Mortgage Assistance Programs Consider a Reverse Mortgage Contact Legal Services Attend a Foreclosure Prevention Clinic Obtain 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 business days.

Contact Your Mortgage Lender or Servicer

Act early. Contact your lender as quickly as you discover yourself not able to make your regular monthly payment and make your lending institution aware of your monetary difficulties. An exercise might consist of sensible options and payment plans. More than one-third of those who take initiative and look for support succeed in finding foreclosure options.

Banks and financial organizations will typically deal with overdue customers and discover sensible plans instead of foreclosing on the loans right away.

Don't neglect letters from your lender if you miss out on payments. It is essential to understand that if you miss several mortgage payments and your loan is in default, your lending institution might start foreclosure proceedings. You can make missed payments, plus any late fees, or get evaluated for mortgage help with your loan provider. It is crucial that you contact your loan provider considering that lenders who think you are acting in good faith will want to deal with you.

Take steps to avoid 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 lender about your options to avoid foreclosure.

1. Learn about regional, state, and nationwide resources to help with your finances and to work with your lender.
2. Avoid rip-offs. Scam artists try to take benefit of house owners in default or foreclosure by charging thousands of dollars for false guarantees of aid.
3. Submit a complete application for mortgage help early. Your lending institution is required under new Consumer Financial Protection Bureau (CFPB) rules to offer an evaluation of foreclosure alternatives. Submit an inquiry or complaint to the Department of Banking.
   
   Contact a HUD-Approved Housing Counselor
   
   - Assist in identifying solutions to your monetary problems.
4. Review your budget.
5. Negotiate with your mortgage company to deal with issues, consisting of federal and CHFA programs.
6. 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 nonprofit Homeownership Preservation Foundation and NeighborWorks America, is a toll-free hotline to help house owners avoid foreclosure by supplying complimentary guidance including an action plan, and is available 24 hours 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 address your concerns regarding HUD loans.
   
   Contact: Suzanne Piacentini, Field Office Director. Phone: (860) 240-4800
   
   Have a look at the HUD website, which provides guidance to homeowners on Avoiding Foreclosure
   
   Look 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:
   
   Find out if your loan is owned by Freddie Mac. Explore options for aid with your mortgage available from Freddie Mac.
   
   Guaranteed by FHA:
   
   - Discover if your loan is ensured by FHA by calling your loan provider. Information on preventing foreclosure is found on the HUD website.
   
   Contact Connecticut Housing Finance Authority (CHFA)
   
   CHFA provides mortgage financing at rates below the conventional market to provide economical options to low and moderate income newbie 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 administered by CHFA to
   
   offer emergency situation mortgage assistance payments to qualified property owners suffering a monetary challenge. Assistance remains in the kind of a 30-year, fixed rate fully 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 danger of foreclosure, have a fixed rate mortgage, and depending on your family income and the place of your home. Contact USDA for readily available programs, certifications, income standards 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, 4th flooring. Windsor, CT 06095-4729. Phone:
   
   ( 860) 688-7725, X 130 Review FHA Streamlined Refinancing FHA Streamlined Refinance allows you to lower the interest rate on the
   
   existing mortgage rapidly and without an appraisal. -If you have an existing FHA loan, get in touch with the FHA National Servicing Center at 877-622-8525.- If you have concerns 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 homeowners 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 provide info on reverse mortgages. CHFA uses a Reverse Annuity Mortgage that enables a low-income property owner who is at least 70 years of age, with a requirement
   
   for long-lasting care or encouraging services, to utilize the equity in his or her single-family home, condominium or prepared system development to supply a regular monthly tax-free money payment or lump sum at the closing. Contact CHFA, at( 860 )517-3502 or 1-877-571-2432. Contact Legal Services There are numerous choices totally free and low-priced legal support in Connecticut if you have mortgage and/or foreclosure problems. Attend the Volunteer Attorney Program (VAP )Volunteer attorneys are readily available through a State of Connecticut Judicial Branch program for advice and to respond to concerns about foreclosure and mortgage issues. Homeowners
   dealing with foreclosure throughout Connecticut are welcome to go to 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 specific dates. Please note: The schedules go through change due to the schedule of volunteers, holidays, and inclement weather condition. To confirm the volunteer attorney program schedule, please call 860-263-2734. Contact the County Bar Associations' Lawyer Referral Service County Bar Associations in Connecticut have an Attorney Referral Service, with a lawyer who can respond to legal concerns. Appointments are$ 25 -$ 40 depending on the county. Services beyond the
   
   initial half hour are at the lawyer's market rate. Hartford County *- 860-525-6052-$ 35 fee for 1/2 hour assessment. New Haven County- 203-562-5750-$ 35 fee for 1/2 hour assessment. New London County- 860-889-9384- $25.75 cost for 1/2 hour assessment * The Hartford County Bar also covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services supplies free legal recommendations and assistance to low-income individuals with noncriminal legal matters, consisting of landlord/tenant problems and foreclosure cases
   leading to Housing Court expulsions. Note: Does not currently offer foreclosure assistance.
   
   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 readily available at some Superior Court areas provide the following to Connecticut homeowners: free printers, fax machines, photo copiers, scanners, phones
   
   , electronic filing, work area, personnel assistance, Notary Public Services, calendar and docket details, 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, provides complimentary legal support to Connecticut seniors 60 and over who have customer questions or issues, consisting of financial obligation collection, predatory financing and identity theft. Note: Does not use foreclosure services.
   
   Attend a Foreclosure Advice Virtual Meeting
   
   The Connecticut Fair Housing Center offers property owners at threat of foreclosure the chance to arrange a totally free Foreclosure Advice Virtual Meeting to talk with an attorney and get advice about foreclosure. Eligible individuals will be able to schedule 15-minute appointments on set dates with a lawyer.
   
   Phone: 1-888-247-4401 or toll totally free: 888-247-4401 Reference: Representing Yourself in Foreclosure: A Guide for Connecticut Homeowners
   
   The Connecticut Fair Housing Center, a non-profit agency in Hartford, works as a resource for debtors, housing therapists, consumer lawyers, and policy makers on foreclosure avoidance, accountable financing, and mortgage financing discrimination.
   
   Obtain the Foreclosure Mediation Program
   
   Foreclosure is a court procedure and you should follow the process carefully to protect your rights. If you have been served with a summons and complaint and can not hire an attorney to represent you or you do not certify for complimentary legal assistance, you may represent yourself. The Judicial Department offers FAQs for individuals who wish to represent themselves in court, that includes information about filing an Appearance form. Filing a Look entitles you to receive 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 family, owner-occupied home in Connecticut is the topic of a foreclosure action. The homeowner/borrower needs to submit a Foreclosure Mediation Certificate form (JD-CV-108), and a Look kind (JD-CL-12). These types must be submitted 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) help individuals satisfy immediate requirements through services such as expulsion and foreclosure avoidance, energy/heating support, food kitchens, and Weatherization. CAAs also empower people to improve their financial future through work services, monetary 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 partnership between the State of Connecticut and United Way of Connecticut to offer a single source of details to Connecticut homeowners to assist them in locating social work, human services and crisis intervention services in your area. Professional call experts assist callers evaluate their scenario and find suitable services using a comprehensive 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 computer registry to help individuals find available and inexpensive rental housing in Connecticut. For details, 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 project of The WorkPlace, Inc. and Capital Workforce Partners that assists homeowners increase their job abilities and making potential through customized employment services and job 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, qualified partners and dependents in getting veterans advantages 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 an agency of the State of Connecticut established to help clingy wartime veterans and their families and is administered by The American Legion. Connecticut veterans needing support might contact a full-time Veterans Aid Investigator to discuss their scenario, the support that might be readily available and how to apply. Assistance, which may include assist with mortgage interest payments, is attended to temporary periods just.
   
   Phone: 1-800-491-4941
   
   The U.S. Department of Veterans Affairs Mortgage Guaranty Program helps qualified veterans, active service personnel, Reserve members and National Guard workers with getting and keeping a home. If you have a VA loan and are having an issue paying, the program may have the ability to set up a repayment plan or other alternative to foreclosure. For mortgage counseling, contact 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 rip-offs. Be extremely mindful of who ask you to pay a fee for a counseling service, modification of an existing loan, or foreclosure prevention, or claim to be able to perform a "forensic audit" of your loan files, despite their guarantees or claims. Many out-of-state lawyers target Connecticut homeowners: you ought to never pay attorneys that you do not satisfy. For additional information, 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" rip-offs, a con artist guarantees to help you conserve your home, however is actually bent on taking your home or the majority of the equity you have actually built up in your house. According to the FTC, the following are warning signs of a mortgage relief fraud:
   
   Scammers will require payment upfront, before you get any services. That's prohibited - and an indication to avoid them. Scammers might desire you to pay just by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay in this manner since it's tough to get your money back. Scammers may attempt to convince you to move the deed to your home to them. The deed is the legal file 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 avoidance professional, but actually is a bogus therapist who charges hefty costs in exchange for making a few call or completing some documents that a property owner might quickly provide for himself. None of the actions lead to conserving the home. Turning to a HUD-approved counselor for help is one method to avoid this kind of fraud.
   
   Protect Your Pet
   
   Pets are not just companions, but part of the household. If you are confronted with foreclosure and require to move where family pets are not enabled, or if you can no longer afford to preserve your family pet, please do not desert your animal. Look for a pal, colleague or relative ready to accept your pet.