COVID-19 Mortgage Relief
If you are experiencing financial hardship due to COVID-19, the federal government is offering relief options to homeowners through the recently passed CARES Act.
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Affordable Housing Funding Opportunities
The state provides gap funding for projects and programs that create homeownership opportunities for eligible households throughout the State.
Agency: Department of HousingThe Department of Housing posts a schedule of funding rounds at the beginning of each fiscal year to provide a predictable timetable of the agency's funding for developers, public housing authorities, municipalities and other interested parties seeking funding to construct new affordable housing or preserve existing affordable housing.
Agency: Department of HousingThrough the CDBG-Small Cities Program, the state provides funding and technical support to municipalities with populations of less than 50,000 for projects that achieve local community, affordable housing, and economic development objectives, principally benefiting low- and moderate-income persons.
Agency: Department of HousingThe state provides gap funding in the form of loans and grants to owners of existing multifamily properties and developers of proposed new multifamily properties to increase the supply of safe, decent and affordable rental housing statewide.
Agency: Department of HousingConnecticut Real Estate Commission
An updated list of Commission members, meeting agendas, and minutes.
Agency: Department of Consumer ProtectionProperty owners and those seeking apartments can list and peruse rental housing available anywhere in the state free of charge. Resources also are available for senior citizens and individuals with disabilities looking for housing.
Agency: Department of HousingEmergency Mortgage Assistance Program
Eligible homeowners facing foreclosure due to financial hardship may be eligible for temporary monthly mortgage payment assistance for up to five years. An EMAP loan is secured by a fixed-rate, subordinate mortgage on the homeowner's residence.
Agency: Department of HousingThe state supports emergency shelters for individuals and families experiencing homelessness. Anyone in need of emergency shelter should contact 2-1-1 for immediate assistance.
Agency: Department of HousingTake action to save money and energy, benefit from renewable energy, and improve the comfort of your home. Find advice, resources and funding to complete energy-saving and clean energy improvements.
Agency: Department of Energy and Environmental ProtectionEnvironmental Engineering – Subsurface Sewage
Approximately 30 percent of Connecticut's population resides in buildings that dispose of their domestic sewage with on-site sewage disposal systems that are typically conventional septic systems. Citizens can find design manuals for subsurface sewage disposal systems for households.
Agency: Department of Public HealthEviction and Foreclosure Prevention Program
This program prevents evictions and foreclosures through mediation and a Rent Bank. A trained mediator meets with tenants and landlords or homeowners and lenders to resolve disputes which may include unpaid rent or mortgage payments, repairs, housing code violations and communication problems. The Rent Bank provides funds to help pay rent or mortgage arrears.
Agency: Department of HousingFile a Housing Discrimination Complaint
Residents who think they were discriminated against while seeking and applying for housing can submit a complaint to the Commission on Human Rights and Opportunities. Access filing complaints forms and descriptions of various types of discriminations.
Agency: Commission on Human Rights and OpportunitiesFirst-time Home Buyer Information
First-time homeowners can get advice, a home-buying checklist to follow and apply for a mortgage through the Connecticut Housing Finance Authority (CHFA).
Agency: Department of HousingForeclosure Relief and Information
Homeowners seeking advice on how to refinance their homes or modify their mortgages can participate in one of the periodic free mortgage assistance events held by the Department of Banking. Participants can meet individually with a mortgage lender or a HUD-approved housing counselor to review their options.
Agency: Department of BankingHome improvement contractors, plumbers, electricians and other workers must be licensed or registered to work in Connecticut. Residents who encounter problems they cannot resolve with a contractor can file a complaint with the Department of Consumer Protection. The department offers advice on choosing and working with contractors and can help mediate problems.
Agency: Department of Consumer Protection