Connecticut Home Foreclosure Guide
Understand the process, your rights, and the local market in plain English.
Overview of the Foreclosure Process (Statewide & National Context)
A legal process allowing a lender to reclaim and sell a home when mortgage payments are seriously overdue.
Typically begins after about 120 days of missed payments and a formal breach notice. Borrowers get loss‑mitigation opportunities and must have the chance to respond in court
What Is Foreclosure?
You can request mandatory foreclosure mediation to negotiate alternatives like loan modification or deed‑in‑lieu before the process continues
Other rights include written notices, court opportunity to respond, right to reinstate or redeem the loan, surplus proceeds rules, and federal protections like FDCPA notifications
Borrower Rights & Mediation
All foreclosures go through court in CT—either strict foreclosure or foreclosure by sale
Types of CT Foreclosure:
Strict Foreclosure – No sale; court sets a “Law Day” redemption deadline (typically 21–90 days). Title transfers to the lender if debt isn’t paid
Foreclosure by Sale – If equity exists, the court orders a public auction. A trustee committee handles appraisal, sale, and proceeds distribution