Connecticut Foreclosure Guide
Connecticut uses strict foreclosure — there is no sale at all in most cases. The court sets a Law Day by which the mortgagor must redeem; if unredeemed, title vests in the lender automatically. Connecticut also allows foreclosure by sale, but strict foreclosure is the norm. Junior lienholders get successive Law Days and can lose their interest entirely if they fail to act.
Process Type
Judicial (Strict)
Typical Timeline
6–12 months
Sale Method
Strict foreclosure (no sale)
Connecticut Title Risk Articles
County-Level Exceptions Investors Should Know
Statewide rules only tell part of the story. These county-level quirks catch out-of-state investors off guard.
Hartford County
Hartford has significant numbers of properties subject to strict foreclosure that end up in the city's hands after senior lienholders do not redeem. Hartford's land bank holds these properties but title transfer to private buyers requires careful confirmation that all Law Days have passed.
New Haven County
New Haven's municipal lien docket is extensive. City water, sewer, and blight fines are separate lien instruments from the mortgage and can survive a strict foreclosure of the mortgage if they were not specifically named as defendants.
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