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Housing Counseling

Homeowners of all income levels can avoid foreclosure

Do you struggle to pay your mortgage each month? Are you making partial payments, or relying on a “grace period”? Are you unemployed, or working fewer hours? Don’t wait until it’s too late!
Residents of Hartford and Middlesex counties can get help to avoid foreclosure. There are no income restrictions and you don’t need to have a foreclosure notice.
CRT Housing Counselors can help you work with your lender, and possibly lower your monthly payments. We will help you understand your options, assist with the application and monitor the process. Here are some of the options that we can explore together: 
  • Modify Your Loan  – You may be able to lower your monthly mortgage payments.
  • Refinance  Your Home – You may be able to refinance your home, even if you’ve been turned down in the past.
  • Manage “Underwater” Loans – If you owe more than your property is worth, you may be able to lower your principal balance.  
  • Assist Unemployed Homeowners – You may be eligible for assistance targeted specifically to unemployed people. 
  • Exit Your Home – You may be able to move into affordable housing, without going through foreclosure. 

To Apply

Customers should review the Intake Package before speaking to a housing counselor. Staff speaks both English and Spanish.

Once completed, the Intake Package can be sent by the US postal service or dropped off at CRT's Resource Center, 330 Market St., Hartford, CT  06120, Attention: Housing Counseling. This building is handicap accessible. It may be emailed to This email address is being protected from spambots. You need JavaScript enabled to view it. . In addition the Intake Package may also be faxed to (860) 560-5780, Attention: Housing Counseling. 

Please call to discuss any impairment, disability or language/communication issues, so that we can provide an accommodation. 

For more information
Housing Counseling
Address: 330 Market Street, Hartford
Telephone: (860) 761-7937
Fax: (860) 560-5322 or (860) 560-5780
[email protected]
Office Hours: Mon – Fri 8 am – 4 pm

Funding provided by

Additional Details

CRT Housing Counselors are approved by Housing and Urban Development (HUD). 
Updated March 2020