Connecticut HUD Foreclosure Counseling Agencies.
If you are falling behind on your mortgage in Connecticut, a HUD-certified housing counselor is one of the most effective people you can call — and the call is free. Counselors work directly with your lender on your behalf, help you understand what loss mitigation options may be available for your loan type, and can connect you to state assistance programs like EMAP. In Connecticut, where foreclosures move through the courts, early counseling also matters for timing: getting a counselor involved before a case is filed gives you the most room to work. For details on Connecticut's mortgage assistance programs and the state foreclosure hotline, see Connecticut mortgage assistance programs.
Agencies are listed below by region. You do not need to contact the agency closest to you — any Connecticut resident can work with any agency on this list by phone or online. Another tool is the the HUD locator tool, which finds any currently approved agency by zip code: https://answers.hud.gov/housingcounseling/s/?language=en_US or call (800) 569-4287.
Fairfield County (Bridgeport, Stamford, Norwalk)
Fairfield County presents a wide economic range — from one of the highest-cost housing markets in the country along the I-95 corridor to lower-income urban neighborhoods in Bridgeport. Counselors here are experienced with both conventional market-rate mortgages and FHA loans for first-time buyers stretched thin by high prices.
Bridgeport Neighborhood Trust
570 State Street, Bridgeport, CT 06604. Phone: (203) 290-4248 — Website: https://www.bntweb.org/
Unique service: Serves both Bridgeport and Norwalk, providing pre-purchase and foreclosure counseling alongside a rental education workshop and reverse annuity mortgage counseling. One of the only agencies in the region offering the full spectrum of CHFA-approved services including financial coaching.
Housing Development Fund (HDF)
100 Prospect Street, Suite 100, Stamford, CT 06901. Phone: (203) 969-1830 — Website: https://hdfconnects.org/.
Unique service: Also operates offices in Bridgeport and Danbury, giving it broader Fairfield County reach than most agencies. Focuses on pre-purchase counseling and landlord education alongside individual financial counseling.
Urban League of Southern Connecticut
137 Henry Street, Stamford, CT 06902. Phone: (203) 327-5810 — Website: https://www.ulsc.org/.
Unique service: Combines housing counseling with broader economic empowerment services in the Stamford area. Provides the full range of CHFA-approved foreclosure prevention, pre-purchase, and rental counseling with financial coaching — an important resource in a high-cost market where many residents are renters working toward homeownership.
Greater Hartford and Central Connecticut
Hartford's housing market reflects sharp income disparities within a small geographic area. Counselors here often serve low-to-moderate income homeowners, many with FHA loans, who face a combination of mortgage distress and other financial pressures. Several agencies have long-established community ties that help them reach residents who might not otherwise seek help.
Community Renewal Team (CRT)
330 Market Street, Hartford, CT 06120. Phone: (860) 560-4210 — Housing counseling direct: (860) 761-2381 — Website: https://www.crtct.org/.
Unique service: One of the largest community service organizations in the state. CRT housing counselors serve Hartford and Middlesex Counties and are specifically trained to help homeowners navigate the court-based foreclosure mediation process. Counselors help homeowners prepare financial documentation and communicate with servicers as part of the mediation.
Mutual Housing Association of Greater Hartford
95 Niles Street, Hartford, CT 06105. Phone: (860) 206-5263 — Website: https://www.mutualhousing.org/.
Unique service: Focuses on permanently affordable homeownership models, giving their counselors deep knowledge of non-traditional loan structures. Provides foreclosure prevention, pre-purchase counseling, rental counseling, and financial coaching.
Urban League of Greater Hartford
140 Woodland Street, Hartford, CT 06105. Phone: (860) 527-0147 — Website: https://www.ulgh.org/.
Unique service: Integrates housing counseling with workforce development and economic opportunity programs. Full CHFA-approved counseling services including foreclosure prevention, pre-purchase, rental, and landlord education, with a particular emphasis on reaching African American and other underserved communities across the Hartford region.
Co-Opportunity, Inc.
20-28 Sargeant Street, Hartford, CT 06105. Phone: (860) 236-3617
Unique service: Combines HUD-approved housing counseling with YouthBuild Hartford, free tax preparation services, and the Hartford Asset Building Collaborative. A strong resource for lower-income homeowners needing integrated financial and housing support.
Hartford Areas Rally Together (HART)
385 Washington Street, Hartford, CT 06106. Phone: (860) 525-3449
Unique service: The oldest community organizing group in New England, with deep neighborhood roots in Hartford. Their Home Ownership Made Easy program provides HUD and CHFA-approved homebuyer counseling with an emphasis on community building alongside individual financial education.
New Britain and Central Connecticut
Neighborhood Housing Services of New Britain
223 Broad Street, New Britain, CT 06053. Phone: (860) 224-2433 — Website: https://www.nhsnb.org/.
Unique service: Provides the full suite of CHFA-approved services including foreclosure prevention, pre-purchase counseling, rental counseling, and landlord education with financial coaching. Serves as a key resource for New Britain and the surrounding central Connecticut towns that don't have their own dedicated counseling agency.
Capital for Change, Inc.
10 Alexander Drive, Wallingford, CT 06492. Phone: (860) 233-5165 — Website: https://www.capitalforchange.org/
Unique service: A community development financial institution as well as a housing counseling agency, giving them the ability to connect clients to affordable lending products alongside foreclosure prevention and pre-purchase counseling. Serves statewide, with a focus on clients who need both counseling and access to responsible capital.
New Haven and South Central Connecticut
New Haven combines a large university-adjacent rental market with older urban neighborhoods where working-class homeownership is common. Counselors in this region are experienced with the financial pressures unique to households in high-density urban areas.
NeighborWorks New Horizons
235 Grand Avenue, New Haven, CT 06513. Phone: (203) 562-4514 — Website: https://www.neighborworksnewhorizons.com/
Unique service: Part of the national NeighborWorks America network, giving counselors access to a broad set of resources. Provides foreclosure prevention, pre-purchase counseling, rental counseling, and financial coaching throughout the New Haven area.
New Haven HomeOwnership Center
333 Sherman Avenue, New Haven, CT 06511. Phone: (203) 562-0598
Unique service: Focuses specifically on expanding homeownership in New Haven's neighborhoods. Offers foreclosure prevention, pre-purchase counseling, rental counseling, landlord education, and financial coaching. Known for deep community presence in Sherman Avenue and surrounding neighborhoods.
Waterbury and Northwest Connecticut
Neighborhood Housing Services of Waterbury (NHS Nest)
193 Grand Street, 3rd Floor, Waterbury, CT 06702. Phone: (203) 753-1896
Unique service: Waterbury is one of the most economically distressed mid-size cities in Connecticut, with a high proportion of older housing stock and owner-occupants with limited equity. NHS Waterbury provides the full range of CHFA-approved services and has particular experience helping homeowners with delinquent property tax situations alongside mortgage distress.
Eastern Connecticut
New London Homeless Hospitality Center
234 State Street, New London, CT 06320. Phone: (860) 501-9900 — Website: https://www.nlhhc.org/.
Unique service: Serves as a critical resource in eastern Connecticut where other HUD-approved agencies are sparse. Provides foreclosure prevention, pre-purchase counseling, rental counseling, and financial counseling. Their housing counseling is integrated with broader services for housing-insecure individuals and families in the region.
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