This is general information, not legal advice. If you are facing foreclosure, talk to a Connecticut foreclosure-defense attorney or a HUD-approved housing counselor right away.
Connecticut is a judicial foreclosure state
In Connecticut, a lender must take you to court to foreclose. That court process takes time, which means you usually have more options than homeowners think — but the clock is running, so acting early matters.
Your main options to stop or avoid foreclosure
- Foreclosure mediation. Connecticut has a Foreclosure Mediation Program that brings you and the lender together to try to work out a solution. File the mediation request forms promptly after being served.
- Loan modification or repayment plan. Your servicer may lower the payment, extend the term, or spread missed payments out.
- Forbearance. A temporary pause or reduction if your hardship is short-term.
- Refinance if you have equity and qualifying credit.
- Reinstatement or payoff — catch up the past-due balance, or pay off the loan (often by selling).
- Sell the house before the sale date. If you have equity, selling lets you pay off the loan, protect your credit, and keep the remaining cash instead of losing it in a foreclosure.
Selling to stop foreclosure — when it makes sense
If you are behind and can not realistically catch up, a fast cash sale can stop the foreclosure and put money in your pocket. A cash buyer can close in days, before the court sale, and you avoid a foreclosure on your record.
Facing foreclosure in Hartford County?
Sell 2 Us buys houses fast for cash across Hartford County and can often close before your sale date, in any condition, with no fees or commissions. Call (860) 288-3536 for a free, confidential, no-obligation offer, or visit our home page. Even if selling is not right for you, we are glad to point you toward local resources.