Are you falling behind on your monthly mortgage payments? Have you found yourself delinquent on your loan? You are not alone. Countless people have problem with their mortgage every year however foreclosure can often be avoided. Don't hesitate or embarrassed to request assistance. The following ideas may help 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
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 company days.

Contact Your Mortgage Lender or Servicer

Act early. Contact your lending institution as quickly as you discover yourself unable to make your regular monthly payment and make your loan provider mindful of your monetary troubles. An exercise might include affordable options and payment strategies. More than one-third of those who take initiative and seek assistance achieve success in finding foreclosure alternatives.

Banks and banks will frequently work with delinquent borrowers and find affordable arrangements rather than foreclosing on the loans instantly.

Don't neglect letters from your lender if you miss payments. It is essential to understand that if you miss a number of mortgage payments and your loan is in default, your lender might begin foreclosure procedures. You can make missed payments, plus any late fees, or get evaluated for mortgage support with your loan provider. It is essential that you call your lender because lending institutions who believe you are acting in excellent faith will be prepared to deal with you.

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

1. Take control and make or take the call. Review the conditions of your mortgage. Call your lending institution about your options to prevent foreclosure.
2. Learn about local, state, and nationwide resources to help with your finances and to work with your lender.
3. Avoid frauds. Scammer try to make the most of house owners in default or foreclosure by charging countless dollars for incorrect pledges of help.
4. Submit a total application for mortgage assistance early. Your lending institution is required under brand-new Consumer Financial Protection Bureau (CFPB) rules to offer an evaluation of foreclosure choices.
Submit an inquiry or grievance to the Department of Banking.

Contact a HUD-Approved Housing Counselor

- Assist in recognizing services to your monetary issues.
- Review your spending plan.
- Negotiate with your mortgage company to resolve concerns, including federal and CHFA programs.
- 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 not-for-profit Homeownership Preservation Foundation and NeighborWorks America, is a toll-free hotline to assist property owners avoid foreclosure by offering free assistance 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

Take a look at the HUD site, which offers assistance to property owners on Avoiding Foreclosure

Check out 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:

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

Guaranteed by FHA:

- Find out if your loan is ensured by FHA by calling your lender.
Information on avoiding foreclosure is discovered on the HUD site.

Contact Connecticut Housing Finance Authority (CHFA)

CHFA provides mortgage financing at rates listed below the traditional market to use budget-friendly options 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 Program( EMAP) EMAP is administered by CHFA to

provide emergency mortgage help payments to eligible homeowners suffering a monetary challenge. Assistance is in the type of a 30-year, fixed rate totally amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service

has loan programs that might be available to re-finance your mortgage if you are in hazard of foreclosure, have a set rate mortgage, and depending on your household income and the location of your house. Contact USDA for readily available programs, credentials, 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 decrease the rate of interest on the

existing mortgage rapidly and without an appraisal. -If you have an existing FHA loan, contact the FHA National Servicing Center at 877-622-8525.- If you have concerns regarding the refinancing programs, get in touch with 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 house 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 use info on reverse mortgages. CHFA provides a Reverse Annuity Mortgage that permits a low-income house owner who is at least 70 years of age, with a requirement

for long-term care or supportive services, to utilize the equity in his/her single-family home, condominium or planned unit development to offer a 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 several options totally free and low-cost legal help in Connecticut if you have mortgage and/or foreclosure issues. Attend the Volunteer Attorney Program (VAP )Volunteer attorneys are available through a State of Connecticut Judicial Branch program for guidance and to respond to concerns about foreclosure and mortgage concerns. 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 schedule of volunteers, holidays, 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 an attorney who can answer legal questions. Appointments are$ 25 -$ 40 depending upon the county. Services beyond the

initial half hour are at the lawyer's market rate. Hartford County *- 860-525-6052-$ 35 cost 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 cost for 1/2 hour assessment * The Hartford County Bar likewise covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services offers free legal advice and help to low-income people with noncriminal legal matters, consisting of landlord/tenant concerns 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 areas offer the following to Connecticut locals: totally free printers, fax machines, copiers, scanners, phones

, electronic filing, work area, personnel support, Notary Public Services, calendar and docket
information, court forms, judicial publications, and work

area. 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, offers free legal support to Connecticut elders 60 and over who have consumer questions or issues, including financial obligation collection, predatory loaning and identity theft. Note: Does not use foreclosure services.

Attend a Foreclosure Advice Virtual Meeting

The Connecticut Fair Housing Center uses homeowners at danger of foreclosure the chance to arrange a complimentary Foreclosure Advice Virtual Meeting to talk with an attorney and receive advice about foreclosure. Eligible individuals will have the ability to schedule 15-minute appointments on set dates with a lawyer.

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 company in Hartford, works as a resource for debtors, housing therapists, consumer lawyers, and policy makers on foreclosure prevention, accountable financing, and mortgage loaning discrimination.

Look for the Foreclosure Mediation Program

Foreclosure is a court procedure and you need to follow the procedure carefully to secure your rights. If you have actually been served with a summons and complaint and can not employ an attorney to represent you or you do not certify for free legal help, you may represent yourself. The Judicial Department offers FAQs for individuals who wish to represent themselves in court, that includes details about filing an Appearance form. 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 established in 2008, by the Chief Court Administrator in each judicial district to help house owners whose one-to-four household, owner-occupied house in Connecticut is the subject of a foreclosure action. The homeowner/borrower needs to file a Foreclosure Mediation Certificate type (JD-CV-108), and an Appearance type (JD-CL-12). These forms need to be submitted 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 satisfy immediate needs through services such as eviction and foreclosure prevention, energy/heating support, food kitchens, and Weatherization. CAAs also empower people to improve their financial future through employment services, monetary literacy training, and other programs.

To find your regional CAA go to 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 in between the State of Connecticut and United Way of Connecticut to provide a single source of information to Connecticut homeowners to assist them in finding neighborhood services, human services and crisis intervention services in your area. Professional call professionals assist callers examine their situation and discover proper services using a thorough 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 complimentary housing pc registry to assist people discover available and economical 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 task of The WorkPlace, Inc. and Capital Workforce Partners that assists house owners increase their job abilities and making potential through tailored 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 provides help to veterans, eligible partners and dependents in obtaining 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 a firm of the State of Connecticut established to help clingy wartime veterans and their households and is administered by The American Legion. Connecticut veterans requiring help may contact a full-time Veterans Aid Investigator to discuss their situation, the help that might be readily available and how to use. Assistance, which might consist of aid with mortgage interest payments, is attended to short-lived durations only.

Phone: 1-800-491-4941

The U.S. Department of Veterans Affairs Mortgage Guaranty Program assists qualified veterans, active service personnel, Reserve members and National Guard personnel with buying and keeping a home. If you have a VA loan and are having a problem making payments, the program might be able to organize a repayment strategy 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 often targeted for foreclosure rescue rip-offs. Be really mindful of non-lawyers who ask you to pay a fee for a therapy service, adjustment of an existing loan, or foreclosure avoidance, or claim to be able to carry out a "forensic audit" of your loan files, no matter their pledges or claims. Many out-of-state lawyers target Connecticut residents: you need to never ever pay attorneys that you do not fulfill. 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 scam artist assures to help you save your home, however is in fact intention on taking your home or most of the equity you have built up in your home. According to the FTC, the following are alerting signs of a mortgage relief rip-off:

Scammers will require payment upfront, before you get any services. That's illegal - and an indication to avoid them.
Scammers may want you to pay just by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay this way because it's tough to get your cash back.
Scammers may try to encourage 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 might present as a foreclosure prevention specialist, however truly is a counterfeit counselor who charges substantial charges in exchange for making a couple of call or finishing some documentation that a property owner might quickly provide for himself. None of the actions lead to saving the home. Turning to a HUD-approved therapist for assistance is one way to prevent this type of fraud.

Protect Your Pet

Pets are not only companions, but part of the household. If you are faced with foreclosure and require to move where pets are not permitted, or if you can no longer afford to maintain your pet, please do not desert your family pet. Search for a buddy, colleague or relative going to accept your animal.