A Connecticut Homeowner's Guide
Facing Foreclosure in Connecticut
What actually happens, the one deadline most homeowners miss and every real option you still have, including the ones that have nothing to do with us.
- ✓14 pages, written for Connecticut homeowners
- ✓State and federal programs and who to call
- ✓Free to download and yours to keep
What's inside
Most of this guide has nothing to do with selling your house. It covers the Connecticut foreclosure timeline step by step, the mediation deadline that runs from the return date on your summons, the state and federal programs still open to you and the free housing counselors who can help. If selling turns out to be the right move, that section is near the end.
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The facts, with sources
Everything below is in the guide. Each line names where it comes from so you can check it yourself.
- 1
Your mortgage servicer cannot make the first foreclosure filing until you are more than 120 days behind on your payments.
Source: 12 CFR 1024.41(f)(1), Consumer Financial Protection Bureau
- 2
To enter Connecticut's Foreclosure Mediation Program, you file an Appearance (JD-CL-12) and a Foreclosure Mediation Certificate (JD-CV-108) within 15 days of the return date printed on the summons. The return date is a court date, not the day you were served.
Source: CGS 49-31l; Connecticut Judicial Branch, Foreclosure Mediation homeowner FAQ
- 3
Mediation covers loan modifications and repayment plans, and also sales, short sales and deeds in lieu of foreclosure. It does not stop the foreclosure unless you reach a settlement.
Source: Connecticut Judicial Branch homeowner FAQ, questions 25 and 26
- 4
The Judicial Branch reports that of 14,918 completed mediations, 91% settled and 74% ended with the homeowner keeping the home.
Source: Connecticut Judicial Branch, Foreclosure Mediation Program evaluation report
- 5
You are eligible for mediation if you are the borrower, you live in the home and it is a one to four family Connecticut residence. The program covers return dates through June 30, 2029.
Source: CGS 49-31k through 49-31r
- 6
MyHomeCT closed to new applications on September 1, 2023. No replacement grant program has opened.
- 7
EMAP, Connecticut's Emergency Mortgage Assistance Program, is open and state funded. It covers mortgage arrears plus non-escrowed property taxes and condo and HOA fees. It also covers water and sewer liens. It is assistance you repay, secured by a second mortgage on your home, when title transfers. The EMAP line is (860) 571-3500.
Source: CGS 8-265cc and 8-265hh; Connecticut Housing Finance Authority, Emergency Mortgage Assistance Program
- 8
Connecticut courts order foreclosure by sale, rather than strict foreclosure, when the owner has meaningful equity in the home.
Source: CGS 49-24 and 49-25
- 9
Free help exists. HUD-approved housing counselors: (800) 569-4287. Connecticut Fair Housing Center: (860) 247-4400. Community Renewal Team: (860) 560-4210. Neighborhood Housing Services of New Britain: (860) 224-2433. Urban League of Greater Hartford: (860) 527-0147.
Source: Consumer Financial Protection Bureau, mortgage help; Connecticut Fair Housing Center, foreclosure advice; Connecticut Housing Finance Authority, foreclosure prevention counseling agencies
The short version is on our blog: how long a Connecticut foreclosure takes.
Facts verified . General information about the Connecticut foreclosure process, not legal advice.
Questions about the guide
What is in the guide?
The Connecticut foreclosure timeline step by step, the mediation deadline that runs from the return date on your summons, the state and federal programs still open to you, the free housing counselors who can help and, near the end, what selling looks like if that turns out to be the right move.
Who is it for?
Connecticut homeowners who are behind on their mortgage or have already been served with foreclosure papers. It covers mortgage foreclosure. Most of it applies whether or not you ever plan to sell.
Is it free and do you call me?
Yes, it's free. We ask for your name and email, then send you the download link. Over the next month we follow up with five short emails. You can stop those with one click. We don't ask for your phone number, so nobody calls you unless you call us first.
What is the one deadline it covers?
The Foreclosure Mediation Program deadline. Once you're served, you have 15 days from the return date printed on the summons to file an Appearance (JD-CL-12) and a Foreclosure Mediation Certificate (JD-CV-108). That's not the day the papers were handed to you. Miss the window and getting in takes a motion a judge has to grant.
Is it current?
Yes. We last checked every fact on this page against its source on September 8, 2026.
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