Connecticut Foreclosure Timeline and Laws

Connecticut Foreclosure Process and Procedure

A lender may institute foreclosure proceedings if you default on your mortgage, and you can lose your home.

Connecticut foreclosures are conducted by two different judicial foreclosure proceedings determined by the court- strict foreclosure for property with little or no equity where title passes to the lender without sale after the redemption period established by the court, and foreclosure by sale ,which needs court approval.  

Notice Requirements for Foreclosure in Connecticut

A lis pendens and complaint are filed with the court, and served on the borrower and other lien holders at least 12 days before the court ruling hearing. An attorney is assigned by the court who is responsible for publishing the notice of sale and conducting the sale.  

Court-ordered advertisement must be posted on the Judicial Branch website through the Foreclosure Ad Posting program, and advertised in two separate dates in a newspaper directed by the court. Ads must specify the case document, name and number, property address and type, date of sale, legal committee’s name, phone number and a reference to the court website for information.

Connecticut Deficiency and Anti-Deficiency Laws

A deficiency judgment may be brought if the property is sold at public sale for less than the loan amount.

Connecticut Redemption Rights

Connecticut has no post-sale statutory right of redemption.

Connecticut Assistance, Special Programs, Government Help, and Law Updates

Foreclosure Programs:

• Connecticut Foreclosure Mediation Program
• HUD housing counselors
• The Home Affordable Mortgage Modification Program
• The Home Affordable Refinance Program
• The Home Affordable Foreclosure Alternatives Program
• FHASecure
• Hope for Homeowners

Foreclosure Lawyer

Connecticut foreclosure laws provide for special protection for unemployed borrowers. To find other options to stop foreclosure such as mortgage modification, short sale, deed in lieu, etc., it is recommended that you consult with a foreclosure lawyer.