Are you falling back on your month-to-month mortgage payments? Have you found yourself overdue on your loan? You are not alone. Countless people have trouble with their mortgage every year however foreclosure can often be prevented. Don't be afraid or embarrassed to request for aid. The following ideas may help you prevent 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 two 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 troubles. An exercise might include affordable alternatives and payment strategies. More than one-third of those who take initiative and look for support are successful in finding foreclosure options.

Banks and banks will frequently work with overdue borrowers and find reasonable arrangements rather than foreclosing on the loans immediately.

Don't ignore letters from your lending institution if you miss out on payments. It is essential to know that if you miss several mortgage payments and your loan remains in default, your lender may begin foreclosure procedures. You can make missed out on payments, plus any late costs, or get reviewed for mortgage assistance with your lending institution. It is essential that you contact your loan provider considering that loan providers who believe you are acting in good faith will be prepared to deal with you.

Take actions to avoid a foreclosure as soon 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 choices to prevent foreclosure. 2. Find out about regional, state, and national resources to assist with your financial resources and to work with your lender. 3. Avoid frauds. Scammer attempt to make the most of house owners in default or foreclosure by charging thousands of dollars for false guarantees of aid. 4. Submit a complete application for mortgage support early. Your lending institution is required under new Consumer Financial Protection Bureau (CFPB) guidelines to supply an evaluation of foreclosure alternatives. Submit an inquiry or grievance to the Department of Banking.

Contact a HUD-Approved Housing Counselor

- Assist in identifying solutions to your financial issues.

• Review your spending plan.
• Negotiate with your mortgage business to address problems, 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 offering complimentary assistance including an action plan, and is offered 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 concerning HUD loans.
  
  Contact: Suzanne Piacentini, Field Office Director. Phone: (860) 240-4800
  
  Have a look at the HUD website, which uses assistance to homeowners on Avoiding Foreclosure
  
  Check out Refinancing, Loan Modification, and Mortgage Assistance Programs
  
  Fannie Mae:
  
  Learn if your loan is owned by Fannie Mae. Options and resources offered from Fannie Mae.
  
  Freddie Mac:
  
  Find out if your loan is owned by Freddie Mac. Explore alternatives for assist with your mortgage offered from Freddie Mac.
  
  Guaranteed by FHA:
  
  - Discover if your loan is guaranteed by FHA by calling your loan provider. Information on preventing foreclosure is found on the HUD site.
  
  Contact Connecticut Housing (CHFA)
  
  CHFA provides mortgage financing at rates below the conventional market to offer inexpensive alternatives 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 support payments to qualified house owners suffering a financial difficulty. Assistance is in the kind of a 30-year, set rate fully amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service
  has loan programs that might be available to refinance your mortgage if you remain in risk of foreclosure, have a fixed rate mortgage, and depending on your family earnings and the place of your home. Contact USDA for 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 lower the rates of interest on the
  
  existing mortgage quickly and without an appraisal. -If you have an existing FHA loan, contact the FHA National Servicing Center at 877-622-8525.- If you have questions relating to 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 may desire to consider a reverse
  mortgage. The Consumer Financial
  Protection Bureau and the Federal Trade Commission offer details on reverse mortgages. CHFA uses 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 encouraging services, to utilize the equity in his/her single-family home, condominium or prepared unit advancement to offer a monthly 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 numerous options free of charge and affordable legal help 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 advice and to address concerns about foreclosure and mortgage issues. Homeowners
  dealing with foreclosure throughout Connecticut are welcome to participate in at any court house. 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, holidays, and inclement weather. To validate 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 Legal Representative Referral Service, with an attorney who can answer legal concerns. Appointments are$ 25 -$ 40 depending upon 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 charge for 1/2 hour assessment. New London County- 860-889-9384- $25.75 charge 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 complimentary legal advice and help to low-income individuals with noncriminal legal matters, consisting of landlord/tenant issues and foreclosure cases
  leading to Housing Court expulsions. Note: Does not presently supply 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 offered at some Superior Court places provide the following to Connecticut locals: totally free printers, fax machines, photo copiers, scanners, phones
  
  , electronic filing, work area, staff assistance, Notary Public Services, calendar and docket info, court types, 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, provides free legal help to Connecticut senior citizens 60 and over who have customer questions or problems, including debt collection, predatory loaning 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 schedule a free Foreclosure Advice Virtual Meeting to speak with a lawyer and receive recommendations about foreclosure. Eligible participants will be able 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 company in Hartford, works as a resource for customers, housing counselors, consumer lawyers, and policy makers on foreclosure avoidance, accountable loaning, and mortgage loaning discrimination.
  
  Request the Foreclosure Mediation Program
  
  Foreclosure is a court process and you must follow the procedure carefully to safeguard your rights. If you have been served with a summons and problem and can not hire an attorney to represent you or you do not get approved for totally free legal help, you may represent yourself. The Judicial Department uses FAQs for persons who wish to represent themselves in court, which consists of info about submitting an Appearance kind. Filing an Appearance entitles you to get all court notifications and calendars worrying your foreclosure at the address you supply 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 homeowners whose one-to-four household, owner-occupied residential home 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 types should 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) assist individuals satisfy instant needs through services such as eviction and foreclosure prevention, energy/heating assistance, food pantries, and Weatherization. CAAs also empower people to improve their financial future through employment services, financial literacy training, and other programs.
  
  To find your local CAA visit 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 offer a single source of details to Connecticut locals to help them in finding social work, human services and crisis intervention services in your location. Professional call professionals help callers evaluate their situation 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 pc registry to assist people discover available and budget-friendly 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 task of The WorkPlace, Inc. and Capital Workforce Partners that assists house owners increase their job abilities and earning potential through personalized work 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 offers support to veterans, eligible partners 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 an agency of the State of Connecticut established to assist needy wartime veterans and their families and is administered by The American Legion. Connecticut veterans requiring support may get in touch with a full-time Veterans Aid Investigator to discuss their scenario, the help that may be readily available and how to apply. Assistance, which might include aid with mortgage interest payments, is offered for momentary durations only.
  
  Phone: 1-800-491-4941
  
  The U.S. Department of Veterans Affairs Mortgage Guaranty Program helps eligible veterans, active responsibility personnel, Reserve members and National Guard personnel with getting and retaining a home. If you have a VA loan and are having an issue paying, the program may be able to organize a repayment strategy or other alternative to foreclosure. For mortgage therapy, 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 frequently targeted for foreclosure rescue frauds. Be really cautious of non-lawyers who ask you to pay a fee for a therapy service, adjustment of an existing loan, or foreclosure prevention, or claim to be able to perform a "forensic audit" of your loan documents, despite their promises or claims. Many out-of-state lawyers target Connecticut residents: you need to never pay lawyers 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 guarantees to assist you save your home, but is actually bent on stealing your home or the majority of the equity you have actually collected in your house. According to the FTC, the following are alerting signs of a mortgage relief scam:
  
  Scammers will demand payment upfront, before you get any services. That's illegal - and a warning sign to prevent them. Scammers may desire you to pay only by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay in this manner because it's hard to get your cash back. Scammers might attempt to convince 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 most likely to get it back.
• Scammers may position as a foreclosure avoidance specialist, but actually is a fake therapist who charges significant fees in exchange for making a few telephone call or finishing some documents that a house owner could easily provide for himself. None of the actions lead to conserving the home. Turning to a HUD-approved therapist for support is one way to prevent this type of scams.
  
  Protect Your Pet
  
  Pets are not just buddies, but part of the household. If you are faced with foreclosure and need to move where family pets are not enabled, or if you can no longer pay for to maintain your animal, please do not abandon your family pet. Search for a pal, co-worker or household member ready to accept your pet.