Enter the dates from your foreclosure papers and see how much time you have — and what to do next.
An estimate for planning, not legal advice — timelines can vary by county and case. Confirm every date with your papers, the court, or your attorney. Free help: find a HUD-approved housing counselor.
Connecticut uses a judicial-strict foreclosure process. Key dates come from your own papers — enter them above for your exact timeline.
Connecticut has NO general statutory right to reinstate by paying only the arrears; reinstatement exists only if your mortgage contract or federal servicing rules provide it or the lender agrees. Statutory alternatives: (1) the foreclosure mediation program (CGS §49-31l — 15-day filing deadline above); (2) unemployed/underemployed homeowners who qualify may apply for protection from foreclosure and court-ordered restructuring of the debt to eliminate the arrearage, with a restructuring period up to 6 months (CGS §49-31d–49-31i); (3) EMAP assistance via CHFA, funding permitting (CGS §8-265ff). CGS §49-31d–49-31i; CGS §49-31l; CGS §8-265ff
Before the sale: Strict foreclosure: you may redeem (pay the full debt, interest, costs, and fees) at any time up to and including YOUR law day — a date SET BY THE COURT in the judgment, not by formula; the owner gets the first law day and junior lienholders follow. Foreclosure by sale: you may redeem by paying the full debt up until the court approves/confirms the sale; the sale date itself is court-set. You can also move to open the judgment and extend the law day before title becomes absolute (CGS §49-15). Law days and sale dates must be read off the judgment/court papers — they are never computable.
After the sale: None. In strict foreclosure, if no one redeems on the law days, title vests absolutely in the lender automatically and cannot be undone (CGS §49-15 bars opening the judgment after title is absolute). In foreclosure by sale, the equity of redemption is extinguished when the court confirms the sale — no post-confirmation statutory redemption. CGS §49-15 · CGS §49-24 · Connecticut Practice Book §23-17
Until your court-set law day (strict foreclosure) or until the court approves the foreclosure sale (foreclosure by sale), you still own the home and can sell it, pay off the debt, and keep the remaining equity. These cutoffs are COURT-SET dates from your judgment papers, not computable formulas. Warning: in strict foreclosure, once law days pass with no redemption, ALL equity is lost to the lender (subject to the lender crediting fair market value in any deficiency proceeding), so acting before the law day is critical.
Want the fuller picture beyond the dates? Read the Connecticut foreclosure guide — timeline, rights & options.
After a municipal tax collector's sale, the owner (or any mortgagee/lienholder) may redeem within 6 MONTHS of the sale date (only 60 days if the property is abandoned/blighted per local ordinance) by paying the delinquent taxes, interest, and charges plus interest on the purchase price at 18% per year; the tax deed sits unrecorded with the town clerk during this period and is cancelled on redemption. CGS §12-157
Roughly 6–12+ months from return date to loss of title in a typical contested owner-occupied case: mediation commonly adds 3–7 months of stay/negotiation before judgment; after judgment, law days or a sale date are usually set weeks to a few months out. An uncontested strict foreclosure can run much faster (~2–4 months to judgment). (practitioner estimate) (Practitioner estimate, not a statute.)
If your mortgage predates your military service, the federal SCRA generally requires a court order to foreclose during active duty and for 12 months after (50 U.S.C. §3953). These protections must be raised — tell the court and your counselor.