In Connecticut the deadline is a court date: your law day.
A Connecticut lender must sue. Strict foreclosure is the traditional and still common ending: the judge sets a law day, and if you have not paid the full debt by then, title passes to the lender with no auction. A judge can order a sale instead, and a court mediation program with no application fee can hold the case for months first, but only if you file for it within 15 days of the return date.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Four dates decide a Connecticut case. Fifteen days after the return date, to file your appearance and mediation certificate. Twenty five days after the return date, to ask the court to restructure the debt. Twenty days after judgment, to appeal. And your law day, the last day to redeem. Mediation is not counted in the default timeline, and it adds months.
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Make the call.
Call your mortgage servicer (the number is on your statement) before the next payment is due, or today if you are already behind. Servicers have programs for people who lose a job, get sick or hit a rough patch, but they only start when you ask. A foreclosure costs them money too.
“I’ve had a hardship and I want to keep my home. Please send me a loss mitigation application and tell me every option for my loan.” If your loan is FHA, VA or USDA, ask about that program’s options by name.
Your latest mortgage statement, recent pay stubs or unemployment letter, two months of bank statements, last year’s tax return, and a short hardship letter. Expect a lot of paperwork. Send all of it, because a complete application is what protects you.
Date, time, who you spoke to and what they said. Keep copies and proof of when you sent your papers. A complete application more than 37 days before a sale stops that sale while they decide.
Don’t want to call alone? A free HUD-approved counselor will help: 1-800-569-4287. And if the home is ever sold at auction, ask about surplus funds: money left over after the debt is paid can belong to you, but you usually have to claim it.
What Connecticut gives you
Rights that exist because the property is in Connecticut, whatever a servicer tells you on the phone.
Where to get real help, free
Regional legal aid programs take foreclosure cases at no cost if you qualify by income. Start at LawHelp.org, which lists free legal aid programs state by state.
HUD-approved housing counselors are free in every state — 1-800-569-4287. Some states, courts and counties run foreclosure mediation or counseling programs; ask your servicer or a HUD-approved counselor whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Checked against the statutes cited beside each step. Every legal claim on this page is registered with its citation and was checked against official sources and then reviewed again by an independent checker. Dates marked as estimates are estimates. Appellate case law was not independently verified, and laws change, so have a Connecticut foreclosure attorney confirm anything that matters before you act.
Questions people ask about Connecticut foreclosure
Short answers, each one sourced to the statute cited on this page.
How long does foreclosure take in Connecticut?
With no delays or disputes, a Connecticut foreclosure runs roughly 270 days from the first missed payment to the law day or sale. For most owner-occupied home loans a lender must first send an EMAP notice that gives you 60 days to contact the lender or a counselor and CHFA, unless CHFA has announced that its funds are exhausted. After the lawsuit starts, mediation can hold the case for up to eight months from the return date. C.G.S. 8-265ee and 49-31l.
What is a law day in Connecticut?
In a strict foreclosure the court sets a law day, and you may redeem by paying the debt the court found due, plus the allowed costs, by that date. If you do not, title passes to the lender once the last law day has passed. C.G.S. 49-19 and Practice Book 23-17.
What is the Connecticut foreclosure mediation program?
Owner-occupants of one to four family homes can ask for mediation with the lender. You must file the appearance and the mediation certificate within 15 days of the return date, and the program can run up to seven months or three sessions. C.G.S. 49-31k to 49-31n.
How much of a condo association lien comes before my mortgage in Connecticut?
Nine months of assessments, not six. The priority over a first mortgage covers the nine months of common charges immediately before the association starts its action. C.G.S. 47-258.
How long do I have to redeem after a Connecticut tax sale?
Six months from the sale date under the tax sale statute, or 60 days if the property was abandoned or a town ordinance sets that shorter period, and the interest rate on delinquent property tax is 18 percent a year. C.G.S. 12-157 and 12-146.
Last verified: October 18, 2026. Every deadline and citation on this page was checked against Connecticut law and the federal rules it cites. Laws change during the year, so if something here looks out of date or wrong, tell us and we will check it against the law.