Housing Counseling

Help is Available to Avoid Home Foreclosure

In Need of Mortgage Assistance? 

If you live in one of the following eligible communities in CRT’s service area, you may able to receive help!

Avon, Branford, Bloomfield, Canton, Chester, Clinton, Cromwell, Deep River, Durham, East Granby, East Haddam, East Hampton, East Hartford, East Windsor, Enfield, Essex, Glastonbury, Granby, Guilford, Haddam, Hartford, Killingworth, Madison, Manchester, Marlborough, Middlefield, Middletown, North Branford, Newington, Old Saybrook, Portland, Rocky Hill, Simsbury, South Windsor, Suffield, Westbrook, West Hartford, Wethersfield, Windsor, and Windsor Locks, CT.

Call CRT at 860-761-2381 to learn more or complete this short form.

Do you struggle to pay your mortgage each month? Are you making partial payments, or relying on a “grace period”? Are you unemployed, or working fewer hours? Don’t wait until it’s too late!

Residents of Hartford and Middlesex Counties can get help to avoid home foreclosure. There are no income restrictions, and you do not need to have a foreclosure notice to find out what options may be available to you.

CRT Housing Counselors can help you work with your lender, and possibly lower your monthly payments.

We can help you understand your options, assist with the application, and monitor the process. Here are some of the options that we can explore together:

• Modify Your Loan  – You may be able to lower your monthly mortgage payments.
• Refinance  Your Home – You may be able to refinance your home, even if you’ve been turned down in the past.
• Manage “Underwater” Loans – If you owe more than your property is worth, you may be able to lower your principal balance.
• Assist Unemployed Homeowners – You may be eligible for assistance targeted specifically to unemployed people.
• Exit Your Home – You may be able to move into affordable housing, without going through foreclosure.

To Apply for Assistance

If you think you need help, please review the Intake Package  before speaking with a housing counselor. Our staff speaks both English and Spanish.

Once completed, the Intake Package can be sent to us via the U.S. Postal Service or dropped off at CRT’s Resource Center located at 330 Market St., Hartford, CT  06120, Attention: Housing Counseling. This building is handicap accessible.

You may also fax it to: 860-560-5780, Attention: Housing Counseling.

Please call to discuss any impairment, disability or language/communication issues, so that we can provide an accommodation.

First–time Homebuyer Education – 8-hour course.

The HUD-certified course will walk you through a wide range of topics, including: the advantages and costs of homeownership, steps throughout the home-buying process, credit scores and reports, money management before and after buying a home, protecting your investment, and more. Registration is required.  For more information please call (860) 560-4210 and leave a message with your full name, phone number and email where we can reach you.