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Foreclosure Prevention Resources

When financial hardships present themselves, homeowners can benefit from a variety of CHFA programs. From financial counseling to emergency loans and job training, CHFA and its partners have programs and services available at no charge. 

If you’re 60 days or more behind on your mortgage, or in danger of becoming delinquent on your mortgage, CHFA offers housing counseling programs to help. Counselors will work with you to address your financial issues and negotiate directly with lenders on your behalf on an action plan to prevent or resolve foreclosure. Any Connecticut homeowner experiencing financial difficulty that could put them in default, is eligible to register for counseling. 


Homeowners facing foreclosure are usually referred to a counseling agency by their lender, mortgage servicing company or CHFA.   Homeowners are encouraged to reach out to a counseling agency directly to be assessed for eligibility. 

The following CHFA/HUD Approved Housing Counseling Agencies provide Foreclosure Assistance Counseling: 

Bridgeport Neighborhood Trust
(203) 290-4248

Capital for Change, Inc., New Haven
(203) 624-7406

Neighborhood Housing Services of New Britain
(860) 224-2433

New Haven HomeOwnership Center, Inc.
(203) 777-6925

Neighborhood Housing Services of Waterbury
(203) 753-1896

Urban League of Southern Connecticut, Inc., Stamford
(203) 327-5810 


Additional Resources for Homeowners at Risk of Foreclosure 


Emergency Mortgage Assistance Program 

CHFA’s Emergency Mortgage Assistance Program (EMAP) is available to eligible homeowners who are behind or expect they will fall behind on their mortgage and facing foreclosure due to a financial hardship. CHFA will provide a loan to make your delinquent mortgage current and contribute to monthly mortgage payments for eligible applicants.  Questions should be directed to the CHFA Customer Call Center at (860) 571-3500.   To view program eligibility or apply, click here for EMAP Application Package .

Job Training and Financial Counseling

The Mortgage Crisis Job Training Program offers customized employment services and job training and placement assistance to qualified borrowers earning less than $120,000 a year who are 60 days or more behind on their mortgage. Homeowners who have been accepted are required to participate in a financial fitness class in order to qualify for job training services. Housing counselors may also refer homeowners to other services and programs as needed. Contact The Workplace at (866) 683-1682 to find out if you qualify.

Financial Fitness Class 

This three-hour course covers the importance of managing money and understanding credit so that you will be a wiser consumer and avoid financial pitfalls. Any individual may enroll. The class provides an overview of the practical steps of financial services, savings, budget planning, and how to effectively monitor and maintain your credit. A few agencies offer this class in English and Spanish.  

Class calendar

Landlord Education Class

From finding reliable tenants to maintaining the value of your property, being a landlord comes with a host of responsibilities. CHFA’s landlord education course provides an overview of the issues a homebuyer should understand before owning a multifamily home.

Any potential homebuyer may enroll. This course is required for those buying a two-to-four family home under the CHFA Homebuyer Mortgage Program.

This three-hour class can be taken at an approved housing counseling agency.

Class calendar

U.S. Department of Housing and Urban Development (HUD)

Since 2009, as an award recipient and a HUD-approved State Finance Agency, CHFA has partnered with HUD in receiving funding to support HUD’s mission nationwide and the network of Housing Counseling Agencies (HCA) and counselors. HCAs are trained and approved by HUD to provide tools to current and prospective homeowners and renters so that they can make responsible choices to address their housing needs in light of their financial situations. 

Click here to learn more about the Housing Counseling Program

Connecticut Fair Housing Center

The Connecticut Fair Housing Center sponsors a monthly Foreclosure Prevention Clinic. These free clinics are offered in Hartford, Bridgeport, Norwalk and Stamford. The schedule of clinics may be found on the Connecticut Fair Housing Center's website.
CT residents may also be interested in the publication:  Representing Yourself in Foreclosure:  A Guide for Connecticut Homeowners .

Consumer Finance Protection Bureau (CFPB)

The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector. Its jurisdiction includes banks, credit unions, securities firms, payday, mortgage-servicing operations, foreclosure relief services, debt collectors and other financial companies operating in the United States.

The CFPB's creation was authorized by the Dodd–Frank Wall Street Reform and Consumer Protection Act.


To determine what course of action may be available to you and to obtain a referral to a counseling agency that provides Foreclosure Prevention Counseling, call the CHFA Call Center at (877) 571-2432 or (860) 571-3500. 

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