Have you Discovered yourself Delinquent on Your Loan?

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Are you falling back on your regular monthly mortgage payments? Have you discovered yourself delinquent on your loan? You are not alone.

Are you falling behind on your regular monthly mortgage payments? Have you found yourself delinquent on your loan? You are not alone. Millions of individuals have trouble with their mortgage every year however foreclosure can often be avoided. Don't be scared or ashamed to request for help. The following ideas may help you avoid foreclosure.


Contact the Foreclosure Assistance Hotline
Contact Your Mortgage Lender or Servicer
Contact a HUD-Approved Housing Counselor
Check into Refinancing, Loan Modification, and Mortgage Assistance Programs
Consider a Reverse Mortgage
Contact Legal Services
Attend a Foreclosure Prevention Clinic
Look 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 organization days.


Contact Your Mortgage Lender or Servicer


Act early. Contact your lending institution as soon as you find yourself not able to make your regular monthly payment and make your lender aware of your financial difficulties. An exercise might consist of affordable alternatives and payment plans. More than one-third of those who take initiative and look for assistance are effective in discovering foreclosure options.


Banks and monetary organizations will frequently work with overdue borrowers and discover sensible arrangements rather than foreclosing on the loans instantly.


Don't ignore letters from your lending institution if you miss payments. It is necessary to understand that if you miss a number of mortgage payments and your loan is in default, your lender may start foreclosure proceedings. You can make missed payments, plus any late costs, or get reviewed for mortgage assistance with your lender. It is crucial that you contact your loan provider considering that lenders who believe you are acting in great faith will want to deal with you.


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


1. Take control and make or take the call. Review the conditions of your mortgage. Call your lender about your options to prevent foreclosure.
2. Find out about regional, state, and nationwide resources to assist with your finances and to work with your lender.
3. Avoid rip-offs. Scam artists attempt to make the most of house owners in default or foreclosure by charging thousands of dollars for incorrect pledges of help.
4. Submit a complete application for mortgage help early. Your lending institution is needed under new Consumer Financial Protection Bureau (CFPB) rules to offer a review of foreclosure options.
Submit an inquiry or grievance to the Department of Banking.


Contact a HUD-Approved Housing Counselor


- Assist in recognizing solutions to your monetary concerns.
- Review your spending plan.
- Negotiate with your mortgage company to attend to issues, including federal and CHFA programs.
- 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 avoid foreclosure by offering totally free assistance consisting of an action strategy, and is offered 24 hr 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 concerning HUD loans.


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


Check out the HUD website, which provides assistance to house owners on Avoiding Foreclosure


Look into Refinancing, Loan Modification, and Mortgage Assistance Programs


Fannie Mae:


Discover if your loan is owned by Fannie Mae.
Options and resources readily available from Fannie Mae.


Freddie Mac:


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


Guaranteed by FHA:


- Discover if your loan is ensured by FHA by calling your lending institution.
Information on preventing foreclosure is found on the HUD website.


Contact Connecticut Housing Finance Authority (CHFA)


CHFA supplies mortgage funding at rates below the standard market to offer cost effective options to low and moderate income newbie 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


offer emergency situation mortgage assistance payments to qualified homeowners suffering a financial challenge. Assistance remains in the kind of a 30-year, fixed rate totally amortizing loan. USDA Rural Housing Service The USDA Rural Housing Service

has loan programs that may be available to re-finance your mortgage if you are in hazard of foreclosure, have a fixed rate mortgage, and depending upon your household income and the location of your home. Contact USDA for offered programs, credentials, earnings standards 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, fourth flooring. Windsor, CT 06095-4729. Phone:


( 860) 688-7725, X 130 Review FHA Streamlined Refinancing FHA Streamlined Refinance permits you to reduce the rates of interest on the


current mortgage rapidly and without an appraisal. -If you have an existing FHA loan, call the FHA National Servicing Center at 877-622-8525.- If you have questions relating to 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 house owners on the title is over age 62, you might desire to think about a reverse

mortgage. The Consumer Financial

Protection Bureau and the Federal Trade Commission provide details on reverse mortgages. CHFA offers a Reverse Annuity Mortgage that enables a low-income property owner who is at least 70 years of age, with a need


for long-term care or encouraging services, to utilize the equity in his or her single-family home, condo or planned unit development to offer a monthly tax-free money payment or swelling amount at the closing. Contact CHFA, at( 860 )517-3502 or 1-877-571-2432. Contact Legal Services There are several options for free and affordable legal assistance in Connecticut if you have mortgage and/or foreclosure problems. Attend the Volunteer Attorney Program (VAP )Volunteer attorneys are available through a State of Connecticut Judicial Branch program for guidance and to address questions about foreclosure and mortgage concerns. Homeowners

dealing with foreclosure throughout Connecticut are welcome to attend 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 specific dates. Please note: The schedules undergo alter due to the availability 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 respond to legal concerns. Appointments are$ 25 -$ 40 depending on the county. Services beyond the


initial half hour are at the attorney's market rate. Hartford County *- 860-525-6052-$ 35 cost for 1/2 hour consultation. New Haven County- 203-562-5750-$ 35 fee for 1/2 hour assessment. New London County- 860-889-9384- $25.75 cost for 1/2 hour assessment * The Hartford County Bar likewise covers Litchfield, Middlesex, Tolland, and Windham Counties. Contact Statewide Legal Services Statewide Legal Services supplies complimentary legal guidance and assistance to low-income people with noncriminal legal matters, including landlord/tenant issues and foreclosure cases

leading to Housing Court expulsions. Note: Does not currently supply 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 offer the following to Connecticut homeowners: free printers, fax machines, copiers, scanners, phones


, electronic filing, work space, personnel assistance, Notary Public Services, calendar and docket
info, court types, judicial publications, and work

space. 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, offers free legal assistance to Connecticut senior citizens 60 and over who have consumer questions or issues, consisting of financial obligation collection, predatory loaning and identity theft. Note: Does not offer foreclosure services.


Attend a Foreclosure Advice Virtual Meeting


The Connecticut Fair Housing Center provides property owners at danger of foreclosure the opportunity to set up a totally free Foreclosure Advice Virtual Meeting to talk to a lawyer and get advice about foreclosure. Eligible participants will be able to set up 15-minute appointments 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 agency in Hartford, serves as a resource for debtors, housing therapists, customer lawyers, and policy makers on foreclosure prevention, responsible financing, and mortgage lending discrimination.


Make an application for the Foreclosure Mediation Program


Foreclosure is a court procedure and you should follow the procedure thoroughly to safeguard your rights. If you have actually been served with a summons and complaint and can not work with a lawyer to represent you or you do not get approved for complimentary legal assistance, you may represent yourself. The Judicial Department provides FAQs for individuals who wish to represent themselves in court, that includes information about submitting a Look type. Filing a Look entitles you to get all court notices and calendars concerning your foreclosure at the address you supply 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 homeowners whose one-to-four household, owner-occupied house in Connecticut is the topic of a foreclosure action. The homeowner/borrower should submit a Foreclosure Mediation Certificate kind (JD-CV-108), and an Appearance form (JD-CL-12). These forms 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 satisfy immediate requirements through services such as eviction and foreclosure prevention, energy/heating assistance, food kitchens, and Weatherization. CAAs also empower people to improve their financial future through work services, monetary literacy training, and other programs.


To find your regional CAA visit 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 collaboration between the State of Connecticut and United Way of Connecticut to provide a single source of details to Connecticut residents to help them in locating social work, human services and crisis intervention services in your location. Professional call specialists help callers evaluate their circumstance and discover suitable services using a detailed 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 computer registry to assist individuals discover accessible and budget-friendly rental housing in Connecticut. For info, 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 property owners increase their job skills and making potential through customized employment 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 offers assistance to veterans, eligible partners and dependents in acquiring veterans benefits under federal, state and local laws.


Phone: 1-866-9CT-VETS (1-866-928-8387) for the Veterans Info Line


The Soldiers', Sailors' and Marines' Fund is a firm of the State of Connecticut developed to assist clingy wartime veterans and their households and is administered by The American Legion. Connecticut veterans requiring assistance might get in touch with a full-time Veterans Aid Investigator to discuss their circumstance, the support that might be available and how to apply. Assistance, which might consist of aid with mortgage interest payments, is supplied for short-term durations only.


Phone: 1-800-491-4941


The U.S. Department of Veterans Affairs Mortgage Guaranty Program assists 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 an issue paying, the program might have the ability to organize a payment plan or other alternative to foreclosure. For mortgage counseling, call 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 frauds. Be very careful of non-lawyers who ask you to pay a fee 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, despite their guarantees or claims. Many out-of-state lawyers target Connecticut homeowners: you should never pay attorneys that you do not satisfy. To learn more, 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" frauds, a con artist guarantees to assist you conserve your home, however is actually intent on stealing your home or most of the equity you have actually built up in your house. According to the FTC, the following are alerting indications of a mortgage relief scam:


Scammers will demand payment in advance, before you get any services. That's illegal - and a caution sign to prevent them.
Scammers may desire you to pay only by cashier's check, wire transfer, or a mobile payment app. Scammers like you to pay by doing this due to the fact that it's tough to get your cash back.
Scammers might attempt to encourage you to move the deed to your home to them. The deed is the legal file that shows who owns the home. If you move the deed, you're not most likely to get it back.
- Scammers might present as a foreclosure prevention professional, but really is a fake counselor who charges large costs in exchange for making a couple of telephone call or finishing some documents that a house owner might quickly provide for himself. None of the actions result in saving the home. Turning to a HUD-approved therapist for help is one way to avoid this kind of fraud.


Protect Your Pet


Pets are not just buddies, but part of the family. If you are confronted with foreclosure and require to move where pets are not allowed, or if you can no longer manage to maintain your family pet, please do not abandon your pet. Search for a friend, co-worker or relative willing to accept your animal.

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