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Are you falling behind on your month-to-month mortgage payments? Have you discovered yourself delinquent on your loan? You are not alone. Countless people have trouble with their mortgage every year however foreclosure can often be prevented. Don't hesitate or embarrassed to ask for assistance. The following tips might assist 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 Apply for 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 company days.

Contact Your Mortgage Lender or Servicer

Act early. Contact your lender as quickly as you find yourself unable to make your monthly payment and make your loan provider familiar with your monetary problems. A workout might consist of sensible alternatives and payment plans. More than one-third of those who take effort and look for support achieve success in finding foreclosure alternatives.

Banks and financial institutions will typically deal with overdue debtors and find reasonable arrangements rather than foreclosing on the loans instantly.

Don't overlook letters from your lending institution if you miss out on payments. It is essential to know that if you miss out on numerous mortgage payments and your loan remains in default, your loan provider may start foreclosure proceedings. You can make missed out on payments, plus any late fees, or get evaluated for mortgage help with your lending institution. It is vital that you contact your loan provider given that lenders who think you are acting in excellent faith will be prepared to work with you.

Take steps to prevent a foreclosure as quickly as you understand you are having difficulty paying. Be proactive. You can:

1. Take control and make or take the call. Review the conditions of your mortgage. Call your loan provider about your choices to avoid foreclosure. 2. Find out about local, state, and national resources to assist with your finances and to deal with your lending institution. 3. Avoid scams. Scammer attempt to make the most of house owners in default or foreclosure by charging thousands of dollars for incorrect guarantees of assistance. 4. Submit a complete application for mortgage help early. Your lending institution is needed under new Consumer Financial Protection Bureau (CFPB) rules to provide a review of foreclosure choices. Submit an inquiry or problem to the Department of Banking.

Contact a HUD-Approved Housing Counselor

- Assist in recognizing solutions to your monetary issues.

Review your budget plan.
Negotiate with your mortgage company to deal with 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 house owners avoid foreclosure by providing free guidance consisting of an action strategy, 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 resolve your concerns relating to HUD loans.

Contact: Suzanne Piacentini, Field Office Director. Phone: (860) 240-4800

Take a look at the HUD website, which offers assistance to property 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 offered from Fannie Mae.

Freddie Mac:

Discover if your loan is owned by Freddie Mac. Explore alternatives for assist with your mortgage offered from Freddie Mac.

Guaranteed by FHA:

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

Contact Connecticut Housing Finance Authority (CHFA)

CHFA offers mortgage financing at rates below the standard market to offer affordable options to low and moderate earnings first-time homebuyers 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

provide emergency situation mortgage support payments to eligible property owners suffering a monetary difficulty. Assistance is in the form of a 30-year, set rate completely amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service
has loan programs that may be readily available to refinance your mortgage if you remain in risk of foreclosure, have a set rate mortgage, and depending upon your home earnings and the location of your home. Contact USDA for available programs, credentials, income guidelines 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 permits you to lower the interest rate on the

present mortgage quickly and without an appraisal. -If you have an existing FHA loan, get in touch with the FHA National Servicing Center at 877-622-8525.- If you have concerns concerning 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 homeowners on the title is over age 62, you may desire to think about a reverse
mortgage. The Consumer Financial
Protection Bureau and the Federal Trade Commission provide details on reverse mortgages. CHFA provides a Reverse Annuity Mortgage that permits a low-income property 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, condo or planned system advancement to offer a month-to-month 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 multiple alternatives totally free and affordable legal assistance in Connecticut if you have mortgage and/or foreclosure concerns. Attend the Volunteer Attorney Program (VAP )Volunteer attorneys are available through a State of Connecticut Judicial Branch program for recommendations and to answer concerns about foreclosure and mortgage issues. Homeowners
facing 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 specific dates. Please note: The schedules go through alter due to the availability of volunteers, vacations, and harsh weather. 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 a lawyer who can address legal concerns. Appointments are$ 25 -$ 40 depending on the county. Services beyond the

preliminary half hour are at the lawyer's market rate. Hartford County *- 860-525-6052-$ 35 charge for 1/2 hour consultation. New Haven County- 203-562-5750-$ 35 cost for 1/2 hour consultation. New London County- 860-889-9384- $25.75 charge for 1/2 hour consultation * The Hartford County Bar also covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services supplies totally free legal recommendations and support to low-income people with noncriminal legal matters, consisting of landlord/tenant concerns and foreclosure cases
leading to Housing Court expulsions. Note: Does not currently offer 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 locations supply the following to Connecticut citizens: totally free printers, facsimile machine, copiers, scanners, phones

, electronic filing, work space, personnel assistance, Notary Public Services, calendar and docket information, court forms, judicial publications, and work
area. Superior Court locations:
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 assistance to Connecticut seniors 60 and over who have consumer concerns or problems, consisting of collection, predatory loaning and identity theft. Note: Does not offer foreclosure services.

Attend a Foreclosure Advice Virtual Meeting

The Connecticut Fair Housing Center uses homeowners at threat of foreclosure the chance to set up a free Foreclosure Advice Virtual Meeting to consult with an attorney and get suggestions about foreclosure. Eligible participants will have the ability to set up 15-minute visits on set dates with an attorney.

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 firm in Hartford, acts as a resource for debtors, housing counselors, customer attorneys, and policy makers on foreclosure prevention, accountable lending, and mortgage lending discrimination.

Obtain the Foreclosure Mediation Program

Foreclosure is a court process and you should follow the procedure carefully to protect your rights. If you have actually been served with a summons and problem and can not hire an attorney to represent you or you do not receive complimentary legal assistance, you may represent yourself. The Judicial Department offers FAQs for persons who wish to represent themselves in court, that includes info about filing a Look type. Filing a Look entitles you to receive all court notifications and calendars concerning 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 assist house owners whose one-to-four family, owner-occupied house in Connecticut is the topic of a foreclosure action. The homeowner/borrower must submit a Foreclosure Mediation Certificate type (JD-CV-108), and a Look form (JD-CL-12). These types must be filed 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 requirements through services such as eviction and foreclosure avoidance, energy/heating assistance, food kitchens, and Weatherization. CAAs likewise empower individuals to enhance their monetary future through work services, financial literacy training, and other programs.

To locate your local 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 in between the State of Connecticut and United Way of Connecticut to supply a single source of info to Connecticut locals to help them in locating social work, human services and crisis intervention services in your area. Professional call specialists help callers examine their circumstance and discover appropriate 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 complimentary housing windows registry to assist individuals find accessible and inexpensive 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 job of The WorkPlace, Inc. and Capital Workforce Partners that helps homeowners increase their task abilities and earning capacity through tailored work 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 supplies help to veterans, eligible spouses and dependents in getting 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 developed to assist needy wartime veterans and their families and is administered by The American Legion. Connecticut veterans requiring help might contact a full-time Veterans Aid Investigator to discuss their scenario, the assistance that might be readily available and how to use. Assistance, which may include assist with mortgage interest payments, is offered short-term periods just.

Phone: 1-800-491-4941

The U.S. Department of Veterans Affairs Mortgage Guaranty Program helps eligible veterans, active task workers, 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 have the ability to set up a payment plan or other alternative to foreclosure. For mortgage counseling, get in touch with 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 rip-offs. Be really cautious 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 perform a "forensic audit" of your loan documents, despite their promises or claims. Many out-of-state lawyers target Connecticut locals: you ought to never pay lawyers that you do not satisfy. For more details, 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 promises to assist you save your home, but is actually intention on taking your home or most of the equity you have actually 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 prohibited - and a caution sign 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 due to the fact that it's difficult to get your refund. Scammers might attempt to convince you to move the deed to your home to them. The deed is the legal document that proves who owns the home. If you move the deed, you're not most likely to get it back.
Scammers might impersonate a foreclosure prevention professional, however actually is a phony therapist who charges hefty charges in exchange for making a couple of phone calls or completing some documents that a homeowner could easily do for himself. None of the actions result in conserving the home. Turning to a HUD-approved counselor for help is one way to prevent this kind of scams.
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Protect Your Pet

Pets are not just buddies, but part of the household. If you are faced with foreclosure and require to move where family pets are not allowed, or if you can no longer pay for to keep your animal, please do not desert your animal. Search for a buddy, co-worker or relative going to accept your family pet.