If you’re falling behind on your mortgage payments in Connecticut, you might feel like foreclosure is the only path forward. But that’s not the case. At Heavenly Home Solutions, LLC, we help homeowners in towns like Thompson, Woodstock, and Putnam navigate these tough situations by offering real solutions that are fast, local, and judgment-free.
You Still Have Options
Even if you’re behind on your payments or facing pre-foreclosure, you still legally own your house and have the right to sell it. This means you can take control and:
- Prevent foreclosure from appearing on your credit report
- Possibly walk away with some equity
- End the stress and uncertainty
- Get a clean slate
Whether you’re in North Grosvenordale or Quinebaug, there are solutions available to you.
Top 4 Options If You’re Behind on Payments in CT
1. Sell to a Local Cash Buyer
If you’re pressed for time and need to avoid foreclosure fast, selling to a local buyer like Heavenly Home Solutions, LLC might be your best bet. We buy properties as-is with cash and can close on your timeline — sometimes in just days.
There are no real estate agent commissions, closing fees, or repair costs. We aim to make the process simple, fast, and private.
2. Loan Modification or Forbearance
Connecticut homeowners can often work with their mortgage lender to negotiate a modification of their loan terms or a temporary forbearance. These are good options if you’re able to stay in the property and catch up over time.
Resource: Connecticut Housing Finance Authority (CHFA)
3. List with a Realtor
If you’re not in a rush and your property is market-ready, listing it on the open market is an option. But you should plan for repairs, agent fees, buyer inspections, and longer closing timelines.
4. Short Sale
In a short sale, the lender agrees to accept less than the total owed. This process can take time and may require approval from multiple parties, but it is another alternative to foreclosure worth exploring.
Learn more from CT Fair Housing Center
Don’t Wait Too Long to Decide
If you’re living in Woodstock or nearby and you’re behind on payments, don’t put off the decision. The foreclosure process in Connecticut can move fast. The sooner you act, the more options you’ll have.
Why Choose Heavenly Home Solutions, LLC?
We’re not a big national company. We live and work in Connecticut and care about the people we serve. We understand how stressful this process is and offer flexible, creative solutions based on your situation.
We help homeowners throughout Thompson, Putnam, and surrounding areas navigate tough financial situations with compassion and experience.
Local Resources for Connecticut Homeowners
Here are some local organizations that may be able to assist:
- Connecticut Judicial Branch Foreclosure Mediation Program
- CT Department of Banking
- CT Fair Housing Center
- Connecticut Housing Finance Authority (CHFA)
- HUD-Approved Housing Counselors in CT
Let’s Talk About Your Options
At Heavenly Home Solutions, LLC, we specialize in helping Connecticut homeowners sell fast with no pressure, no fees, and no judgment.
Text or call us at 774-272-6604, email [email protected], or schedule a free consultation through our Calendly link.
We’re here to help you move forward.