Connecticut Judicial Branch Law Libraries   Books
 

   
Ask a Librarian

Connecticut Law About Foreclosure

These links connect to resources available and are provided with the understanding
that they represent only a starting point for research.

This web page has many external links to valuable resources. Please view our Linkage Policy for more information.

See Also Connecticut Law About Foreclosure Mediation

Research Guides

  

Connecticut Public Acts and Current Orders and Notices

Information from Connecticut Judicial Branch:

  • Foreclosure - Uniform Orders, Procedures & Forms

  • Foreclosure Mediation Program

  • Pending Foreclosures by Sale - Listed by Town

  • Forms to file if you are a defendant in a Foreclosure Case and you file a Certificate for Foreclosure Mediation Program

Research guides prepared by the Connecticut Judicial Branch law librarians:

  • Prejudgment Proceedings in Connecticut Mortgage Foreclosures

  • Foreclosure of Mortgages in Connecticut

  • Postjudgment Proceedings in Connecticut Mortgage Foreclosures

  • Foreclosure of Condominium Liens in Connecticut

Connecticut Fair Housing Center

  • Foreclosure Advice Virtual Meeting - Connecticut homeowners at risk of foreclosure may schedule a free Foreclosure Advice Virtual Meeting to speak with an attorney at the Center and receive advice about foreclosure.   

  • Representing Yourself In Foreclosure: A Guide for Connecticut Homeowners

  • Foreclosure Resources | Connecticut Fair Housing Center

Legal Assistance Resource Center of Connecticut:

  • Is Your Landlord in Foreclosure? You have Rights!

  • Foreclosure: Your Rights and Options

  • Ejecucion hipotecaria: Sus derechos y opciones

  • Help if You Are Homeless or You Have Low or No Income

  • Como obtener ayuda si no tiene hogar, no tiene ingresos o sus ingresos son bajos

  • Your Rights When Your Landlord Is In Foreclosure - Video

OLR Research Reports - Office of Legislative Research:
  • Judgment of Loss Mitigation - 2022-R-0282
    Describe judgment of loss mitigation and the types of relief it provides. This report updates and expands upon OLR Report 2016-R-0334 .
  • Foreclosure Notification Requirements Applicable to Connecticut Landlords - 2020-R-0219
    Explain foreclosure notification requirements applicable to Connecticut landlords and provide examples of the same from other states' laws. Briefly describe other Connecticut law foreclosure
    protections for tenants.

  • Force-Placed Insurance - 2015-R-0145
     If a homeowner does not insure his or her home, the mortgage servicer or lender may "force-place" insurance on the home. In such instances, the homeowner is responsible for the premiums.

  • Short Sales - 2013-R-0400
     You asked for a summary of the potential impact of requiring banks to (1) set a floor on any given short sale price in Connecticut and (2) accept or reject offers above that threshold within a certain time period.

  • Mortgage Modification Programs in Connecticut - 2013-R-0075
    You asked for a summary of mortgage modification programs available in Connecticut, particularly those under the Federal Housing Finance Authority (FHFA). This report identifies some of the main programs that are available in Connecticut.

  • HUD Foreclosure Programs - 2012-R-0258

    You asked for information about various foreclosure prevention programs offered by the U.S. Dept of Housing and Urban Development (HUD).

  • Home Affordable Refinance Program (HARP) - 2012-R-0023
    You asked for information on the federal Home Affordable Refinance Program (HARP).

  • Foreclosure Mediation Program Research Report - 2011-R-0331
    You asked a series of questions about the foreclosure mediation program. The questions and answers appear below.
    More information about the program is available at https://www.jud.ct.gov/foreclosure/.

  • State & Federal Mortgage Assistance Program - 2009-R-0159
    You asked for a report on state and federal programs available to assist residents in paying their mortgages. This report updates OLR report 2008-R-0516 .

  • Foreclosure Prevention Programs In Public Act 08-176 & Public Law 110-289 - 2008-R-0516
    You asked for a summary of the foreclosure prevention programs in recently passed Connecticut and federal laws and how borrowers can access them.

  • Foreclosures - 2007-R-0164
    You asked [1] for a brief history of the Connecticut Housing Finance Authority's [CHFA] Emergency Mortgage Assistance Program, [2] for information about Pennsylvania's Mortgage Assistance Program, [3] for data on the recent increase in foreclosure rates, and [4] about Connecticut's foreclosure prevention law.

Connecticut Department of Consumer Protection:

  • Tenants in Foreclosed Properties - a list of suggested practices for owners, mortgage servicers, and other agents and entities that manage a foreclosed property with tenant.

Connecticut Department of Banking:

  • Avoiding Foreclosure

    • Foreclosure Hotline 1-877-472-8313

    • Foreclosure Hotline Bulletin (PDF)

211 Infoline:

  • Foreclosure/Avoiding Foreclosure

Library Materials

Search the online catalog for availability and locations.

  • Connecticut Foreclosures: An Attorney's Manual of Practice and Procedure, 9th edition, by Denis R. Caron and Geoffrey K. Milne.

    • Includes official and unofficial forms

 

Court Orders and Notices:

  • 07/20/21 --  Notice Regarding Federal Foreclosure Moratorium Standing Order and Affidavit  

  • 02/25/21 -- Notice of Resumption of Mediation in Cases in the Foreclosure Mediation Program Involving Non-Federally Backed Mortgages

  • 11/25/20 --  Notice of Resumption of Civil Short Calendar 02 (Property/Foreclosure) for Arguable Matters

  • 09/29/20 -- Notice of Resumption of Civil Short Calendar 02 (Property/Foreclosure) for Non-arguable Motions

Connecticut Public Acts:

  • 2025 Acts Affecting Housing and Real Estate

  • 2024 Acts Affecting Housing and Real Estate

  • 2023 Acts Affecting Housing and Real Estate

  • 2022 Acts Affecting Housing and Real Estate

  • 2021 Acts Affecting Housing and Real Estate

  • 2019 Acts Affecting Housing and Real Estate

  • 2018 Acts Affecting Housing and Real Estate

  • Public Act 14-84 An Act Concerning An Optional Method of Foreclosure (effective January 1, 2015)

U.S. Department of Housing and Urban Development:

  • Mortgagee Letter 2021-19 : The moratorium on foreclosure-related evictions of persons from properties that were secured by FHA-insured Single Family mortgages, excluding legally vacant or abandoned properties, expired on September 30, 2021.

Connecticut General Statutes

Selected Statutes:

Chapter 846 - Mortgages

  • Sec. 49-1. When foreclosure a bar to further action on debt.

  • Sec. 49-14. Deficiency judgment.

  • Sec. 49-15. Opening of judgments of strict foreclosure.

  • Sec. 49-31d. Definitions.

  • Sec. 49-31e.  Application for protection from foreclosure.

Click on the link to search the full-text of the statutes: https://search.cga.state.ct.us/r/statute/

Connecticut Practice Book
  • Sec. 23-16. Foreclosure of Mortgages
  • Sec. 23-17. Listing of Law Days
  • Sec. 23-18. Proof of Debt in Foreclosures
  • Sec. 23-19. Motion for Deficiency Judgment

Recent Foreclosure Opinions
  • Recent Connecticut Appellate and Supreme Court Foreclosure Opinions
    (Law Libraries' NewsLog)

Useful Websites

U.S. Department of Housing and Urban Development

  • Avoiding Foreclosure

  • HUD Approved Housing Counseling Agencies in Connecticut - Search By Location

Federal Trade Commission - Consumer Information

  • Trouble Paying Your Mortgage or Facing Foreclosure?

 Connecticut Law by Subject