Emergency Mortgage Assistance Program

Emergency Mortgage Assistance Program

Connecticut Housing Finance Authority (CHFA) is accepting applications for Connecticut’s Emergency Mortgage Assistance Program available for city and area homeowners who are facing foreclosure or having trouble making their mortgage payments due to a temporary financial hardship.

A loan from EMAP can help cover past due as well as a portion of current monthly mortgage payments for up to five years to eligible Connecticut homeowners facing foreclosure due to a temporary financial hardship beyond their control, such as job loss, health or family financial hardship.  An EMAP loan is secured by a fixed-rate, second mortgage on the homeowner’s residence. To qualify, applicants must be able to resume mortgage, loan and interest payments after the assistance period.

Since the program was launched in 2008, EMAP has helped 1,349 families stay in their homes.

Homeowners who are facing financial difficulties may also contact any CHFA-HUD approved counseling agency in their community that provides services free-of-charge to homeowners. Community Renewal Team and Neighborhood Housing Services of New Britain provide counseling services for the Greater Hartford area. To find a counseling agency in your area, visit CHFA’s website at www.chfa.org.  

EMAP eligibility requirements will be explained to those homeowners who request information from CHFA’s

Customer Call Center : 877-571-CHFA (2432) 

Monday - Friday from 9:00 am until 5:00 pm. 

After hours, callers can leave a message and the calls will be returned. 

Home Owner's Emergency Loan Tool Kit


HARTFORD CITY HALL ADDRESS: 550 Main Street, Hartford, CT 06103 PHONE: (860)757-9311 HOURS: 8AM - 5PM