Connecticut Foreclosure Law

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Connecticut Foreclosure Laws

Typical Connecticut Foreclosure Time Frame – The typical time for a foreclosure ranges from as little as 60 days to as many as 150 days.

Judicial Foreclosure – Yes

Non-Judicial Foreclosure – No

Types of Security Instruments – Mortgage

Right of Redemption Period – Varies at the courts discretion

Connecticut foreclosure laws are a bit different from many other states.  The laws only provide for a judicial foreclosure; however, there are two types of judicial foreclosures in Connecticut.  A strict foreclosure occurs when there is no equity in the property.   When this happens the property is immediately titled to the lender once a redemption period passes.

In a Decree of sale, the property is sold by a committee to cure the debt that the borrower owes.  This is the most common option chosen when there is equity in the property or if a federal lien is in effect.  The time for redemption varies in Connecticut between the Judgment of Sale and the actual sale date and is at the sole discretion of the judge.  If the borrower is able to prove a hardship of some sort, the judge can extend the redemption period even further, allowing them to cure the default.  In order for the borrower to cure the default the balance due on the mortgage plus all costs associated with the foreclosure must be paid in full.

According to Connecticut foreclosure law, in order for a lender to obtain a foreclosure, the lender must first file for a Lis Pendens, which is recorded with the county.  A Complaint for Foreclosure must also be served on the borrowers listed on the mortgage a minimum of 12 days before the complaint may be filed with the courts.  However, in the event that the borrowers cannot be located it is permissible to run notice of the publication in the public newspaper with the courts permission.

For more information on Connecticut foreclosure laws click here.


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The information found on this site is not intended to be legal advice. The foreclosure process is highly case specific and laws vary throughout the United States. Please seek professional legal counsel before entering into any contract regarding any real property or stopping the foreclosure on any real property. By using this site you consent to the terms posted here.