1. What is the Foreclosure Mediation Program? The Foreclosure Mediation Program has been
set up to assist any homeowner/borrower whose 1, 2, 3 or 4 family
owner-occupied residential property is the subject of a mortgage foreclosure
action. The property must be located in the state of Connecticut and be the
homeowner’s primary residence. The homeowner will meet with a mediator and
the lender to try and reach an agreement.
2. What is mediation? Mediation is a process by which a neutral third party (mediator) assists the
homeowner and lender in reaching a fair, voluntary, negotiated agreement.
The mediator does not decide who is right or wrong.
3. Who are the Mediators? The foreclosure
mediators are Judicial Branch employees who are trained in mediation and
foreclosure law. The mediators have knowledge of different community-based
resources and mortgage assistance programs.
4. How do I qualify for foreclosure
mediation? The 1, 2, 3 or 4 family
owner-occupied, residential property that is being foreclosed must be the
primary residence of the homeowner, and the homeowner must be the borrower.
The mortgage foreclosure action must have a return date on or after July 1,
6. Do I need a lawyer to take part in the Foreclosure Mediation Program? No, you do not have to be represented by a lawyer to take part in this
7. Do all borrowers who signed the mortgage have to attend the mediation session? Yes, all borrowers
must come to the mediation session; for example, if a husband and wife
signed the mortgage then both will have to come to the mediation.
11. What do I need to bring to the mediation session?
Proof of income, if employed; for example, a current pay stub;
List of expenses;
Copies of any completed application(s) for mortgage or financial assistance; and
Any other information that may be helpful.
12. Where will the mediation sessions be held? The mediation
session(s) will be held at courthouses located throughout the State.
13. Does this mean I won’t lose my house due to foreclosure? The Foreclosure Mediation Program does not stop or suspend the foreclosure.
The homeowner is still obligated to respond to the foreclosure action and
may still be at risk of losing their property to foreclosure.
14. Who should I contact if I have more questions about the Foreclosure Mediation Program? If you have questions about
the Foreclosure Mediation Program, please contact Roberta Palmer at
860-263-2734, or email her at