Stop foreclosure in Connecticut.

How foreclosure works in Connecticut

• Connecticut is one of only a few states using 'strict foreclosure' — title can pass without an auction
• A court-run foreclosure mediation program is available for owner-occupants
• Every case runs through a judge, creating multiple opportunities to negotiate

Redemption & second chances

Cure until the court's 'law day' in strict foreclosure; sale cases end at confirmation.

What this means for you

Connecticut's mediation program is a genuine asset: it puts your servicer at a table, supervised by the court, with an obligation to discuss alternatives. Homeowners who show up prepared — with a complete workout package — convert mediation into modifications at a much higher rate.

Your options in Connecticut

Every tool in the national playbook works in Connecticut — what changes is the clock and the order of moves. Federal protections apply here like everywhere else: servicers generally can't start foreclosure until you're 120+ days delinquent, and a complete loss-mitigation application filed more than 37 days before a sale generally pauses it while under review.

• Loan modification — permanently restructure the payment and keep the home
• Forbearance — pause payments fast while you recover
• Hardship & assistance programs — state and federal money that can cure arrears
• Open-market sale — protect your equity with a full-value sale
• Direct cash offer — close in days when the calendar is short