Are you falling behind on your monthly mortgage payments? Have you found yourself delinquent on your loan? You are not alone. Countless people have trouble with their mortgage every year but foreclosure can often be prevented. Don't be afraid or ashamed to request help. The following tips might help you prevent 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 service days.

Contact Your Mortgage Lender or Servicer

Act early. Contact your lending institution as quickly as you find yourself not able to make your month-to-month payment and make your loan provider knowledgeable about your financial problems. An exercise might consist of reasonable options and payment plans. More than one-third of those who take initiative and look for help are successful in finding foreclosure options.

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

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

Take steps to prevent a foreclosure as quickly as you recognize you are having trouble making payments. Be proactive. You can:

1. Take control and make or take the call. Review the terms of your mortgage. Call your lender about your choices to avoid foreclosure.

1. Learn about regional, state, and nationwide resources to assist with your finances and to work with your lending institution.
2. Avoid rip-offs. Scammer attempt to take benefit of homeowners in default or foreclosure by charging countless dollars for incorrect promises of aid.
3. Submit a total application for mortgage assistance early. Your lending institution is required under new Consumer Financial Protection Bureau (CFPB) guidelines to offer a review of foreclosure choices. Submit a questions or complaint to the Department of Banking.
   
   Contact a HUD-Approved Housing Counselor
   
   - Assist in determining solutions to your financial issues.
4. Review your budget plan.
5. Negotiate with your mortgage company to deal with concerns, consisting of federal and CHFA programs.
6. 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 prevent foreclosure by providing free guidance consisting of an action strategy, 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 and Urban Development (HUD) Hartford Field Office can resolve your problems regarding HUD loans.
   
   Contact: Suzanne Piacentini, Field Office Director. Phone: (860) 240-4800
   
   Check out the HUD website, which uses guidance to house owners on Avoiding Foreclosure
   
   Explore Refinancing, Loan Modification, and Mortgage Assistance Programs
   
   Fannie Mae:
   
   Learn 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 choices for aid 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 discovered on the HUD site.
   
   Contact Connecticut Housing Finance Authority (CHFA)
   
   CHFA offers mortgage funding at rates below the standard market to use budget-friendly 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 mortgage assistance payments to eligible property owners suffering a monetary challenge. Assistance remains in the form of a 30-year, fixed 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 danger of foreclosure, have a fixed rate mortgage, and depending upon your family earnings and the location of your residence. Contact USDA for offered programs, qualifications, income guidelines and loan limits. 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 floor. Windsor, CT 06095-4729. Phone:
   
   ( 860) 688-7725, X 130 Review FHA Streamlined Refinancing FHA Streamlined Refinance allows you to minimize the interest rate 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 concerning the refinancing programs, call 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 may wish to consider a reverse
   mortgage. The Consumer Financial
   Protection Bureau and the Federal Trade Commission offer info 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 need
   
   for long-term care or supportive services, to use the equity in his or her single-family home, condo or prepared system advancement to provide 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 several options for complimentary and inexpensive legal help in Connecticut if you have mortgage and/or foreclosure concerns. Attend the Volunteer Attorney Program (VAP )Volunteer attorneys are readily available through a State of Connecticut Judicial Branch program for recommendations and to respond to concerns about foreclosure and mortgage problems. Homeowners
   facing foreclosure throughout Connecticut are welcome to participate in 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 go through change due to the schedule of volunteers, vacations, and inclement weather. 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 a Legal Representative 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 fee for 1/2 hour assessment. New Haven County- 203-562-5750-$ 35 cost for 1/2 hour consultation. New London County- 860-889-9384- $25.75 cost for 1/2 hour consultation * The Hartford County Bar likewise covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services provides totally free legal advice and assistance to low-income people with noncriminal legal matters, consisting of landlord/tenant problems and foreclosure cases
   resulting in Housing Court expulsions. Note: Does not currently provide foreclosure help.
   
   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 available at some Superior Court areas provide the following to Connecticut homeowners: totally free printers, facsimile machine, copiers, scanners, phones
   
   , electronic filing, work area, personnel support, Notary Public Services, calendar and docket details, court forms, judicial publications, and work
   space. Superior Court places:
   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 totally free legal help to Connecticut seniors 60 and over who have consumer questions or problems, including debt collection, predatory lending and identity theft. Note: Does not offer foreclosure services.
   
   Attend a Foreclosure Advice Virtual Meeting
   
   The Connecticut Fair Housing Center offers house owners at threat of foreclosure the chance to arrange a complimentary Foreclosure Advice Virtual Meeting to consult with a lawyer and get guidance about foreclosure. Eligible participants will be able to arrange 15-minute appointments 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 agency in Hartford, works as a resource for customers, housing counselors, consumer lawyers, and policy makers on foreclosure prevention, accountable financing, and mortgage lending discrimination.
   
   Get the Foreclosure Mediation Program
   
   Foreclosure is a court procedure and you need to follow the process carefully to secure your rights. If you have actually been served with a summons and problem and can not work with a lawyer to represent you or you do not certify for free legal support, you might represent yourself. The Judicial Department offers FAQs for individuals who want to represent themselves in court, that includes info about submitting a Look kind. Filing a Look entitles you to receive all court notifications and calendars worrying your foreclosure at the address you provide 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 house owners whose one-to-four family, owner-occupied residential home in Connecticut is the subject of a foreclosure action. The homeowner/borrower should file a Foreclosure Mediation Certificate type (JD-CV-108), and an Appearance form (JD-CL-12). These types should 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 individuals meet immediate needs through services such as eviction and foreclosure prevention, energy/heating help, food kitchens, and Weatherization. CAAs also empower people to enhance their financial future through employment services, financial literacy training, and other programs.
   
   To find your regional 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 provide a single source of information to Connecticut homeowners to assist them in finding neighborhood services, human services and crisis intervention services in your location. Professional call experts assist callers examine their scenario and discover appropriate 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 free housing registry to assist people find available and economical 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 project of The WorkPlace, Inc. and Capital Workforce Partners that assists homeowners increase their task skills 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 supplies help to veterans, qualified partners and dependents in obtaining 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 a company 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 may get in touch with a full-time Veterans Aid Investigator to discuss their circumstance, the help that might be offered and how to use. Assistance, which might include aid with mortgage interest payments, is attended to short-term durations only.
   
   Phone: 1-800-491-4941
   
   The U.S. Department of Veterans Affairs Mortgage Guaranty Program assists qualified veterans, active duty workers, Reserve members and National Guard personnel with acquiring and keeping a home. If you have a VA loan and are having an issue paying, the program might be able to arrange a payment 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 often targeted for foreclosure rescue rip-offs. Be extremely mindful of non-lawyers who ask you to pay a charge for a counseling service, adjustment of an existing loan, or foreclosure avoidance, or claim to be able to perform a "forensic audit" of your loan documents, regardless of their pledges or claims. Many out-of-state lawyers target Connecticut locals: you need to never ever pay attorneys that you do not satisfy. To find out more, see Mortgage Relief Scams from the FTC and the CFPB's How to Spot and Avoid Foreclosure Relief Scams.
   
   In some of these "rescue" scams, a scam artist promises to help you save your home, but is in fact bent on stealing your home or many of the equity you have collected in your house. According to the FTC, the following are warning indications of a mortgage relief rip-off:
   
   Scammers will require payment in advance, before you get any services. That's illegal - and an indication to avoid them. Scammers might want you to pay just by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay in this manner due to the fact that it's difficult to get your cash back. Scammers may attempt to persuade you to move 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 most likely to get it back.
7. Scammers may impersonate a foreclosure prevention professional, however truly is a counterfeit counselor who charges substantial fees in exchange for making a couple of phone calls or completing some documents that a house owner might easily provide for himself. None of the actions lead to conserving the home. Turning to a HUD-approved counselor for assistance is one method to prevent this type of scams.
   
   Protect Your Pet
   
   Pets are not only buddies, but part of the family. If you are faced with foreclosure and require to move where pets are not allowed, or if you can no longer afford to preserve your pet, please do not desert your family pet. Try to discover a buddy, colleague or member of the family ready to accept your pet.