Help for Connecticut homeowners
Behind on Your Mortgage
Counseling is free, it is confidential, and it works better the earlier you call.
Start with a housing counselor
A CHFA participating, HUD-approved housing counselor will work with you free of charge to look at your finances and negotiate a plan with your lender on your behalf. Any Connecticut homeowner facing default or foreclosure is eligible.
CHFA’s main line. Ask about the Emergency Mortgage Assistance Program, or call an agency below directly.
Call one of these
Foreclosure counseling agencies
Each of these agencies runs foreclosure prevention workshops and one-on-one counseling. Reach out to whichever is nearest you; you do not need a referral.
| Agency | Phone |
|---|---|
| Building Neighborhoods Together, Inc. | (203) 290-4255 |
| Capital for Change, Inc. | (203) 624-7406 |
| Community Renewal Team, Inc.(CRT) | (860) 761-7937 |
| Mutual Housing of Greater Hartford, Inc. | (860) 206-5270 |
| Mutual Housing of South Central Connecticut | (203) 562-6514 |
| Neighborhood Housing Services of New Britain | (860) 224-2433 |
| Neighborhood Housing Services of Waterbury | (203) 753-1896 |
| New Haven HomeOwnership Center, Inc. | (203) 777-6925 |
| New London Homeless Hospitality Center | (860) 501-9900 |
| Urban League of Greater Hartford | (860) 527-0147 |
| Urban League of Southern Connecticut, Inc., Stamford | (203) 327-5810 |
The Emergency Mortgage Assistance Program
EMAP may help a Connecticut homeowner in danger of losing their home to foreclosure. It can provide emergency mortgage assistance or emergency lien assistance to eligible homeowners who have fallen behind, or expect to fall behind, on a mortgage payment or on non-mortgage costs such as non-escrowed property taxes, condominium or association fees, and water and sewer liens.
EMAP starts with a disbursement that brings the delinquency current. Some homeowners also qualify for continuing monthly or periodic payment assistance.
The hardship has to be outside your control
CHFA lists these among the eligible hardships:
- Unemployment or underemployment of one or more of the homeowners
- A loss, reduction, or delay in Social Security, public assistance, pension, disability, annuity, or retirement benefits
- Divorce, or an unanticipated loss of support payments
- Disability, illness, or death of a homeowner
- An unanticipated significant rise in housing expenses: mold remediation, an out-of-pocket furnace or roof, a flood
- Expenses related to the disability, illness, or death of a family member
That list is not exhaustive. A counselor can tell you whether your situation fits.