Can I Sell My Torrington House in Foreclosure?

How we help

We buy houses as-is in Torrington, CT, in the Northwest Hills Planning Region (the current county-equivalent), in any condition — no repairs, no cleaning, no cleanout required to sell to us. You can ask for a cash offer before deciding whether a direct sale fits your situation.

Written offer and written terms before you commit; title-company closing. We review the property, payoff information, title questions, and the court date with you. If more time is needed, the request goes to the court with our agreement attached; signing by itself does not change the date.

Which sale is on your notice?

In a Connecticut strict foreclosure, there is no auction. The judge sets a “law day,” the deadline to pay the debt. If the owner has not paid by then, title usually passes to the lender. Before title passes, a judge may reopen the judgment and set a new law day for good cause.

If there is equity, the court may instead order foreclosure by sale: an auction run by a court-appointed committee and approved by the court. Owner-occupants of one- to four-family homes may qualify for the court's Foreclosure Mediation Program, which can pause the case. The program does not make every deadline the same, so confirm the date on your own court papers.

A Torrington municipal tax sale is separate from a mortgage foreclosure. If unpaid property taxes are involved, follow the tax-sale notice and its deadline; a mortgage law day or foreclosure-by-sale date is not the tax-sale deadline.

Connecticut law addresses reopening a judgment and foreclosure by sale in Conn. Gen. Stat. § 49-15 and § 49-24. The Connecticut Judicial Branch has a foreclosure research guide.

If the payoff is the problem

Think the payoff is more than the house is worth? Ask us — we've gotten lenders to come down before.

Ask your lender for a current payoff, then compare it with the property, title, and any other amounts due. That gives us and the title company the figures to review for a possible closing.

What happens next

1. Contact us with the Torrington property address, the kind of foreclosure notice you received, and the date shown. You do not need to have every answer before you call.
2. We review the house as-is and give you written terms before you commit. You can compare those terms with listing or other options.
3. If you want to proceed, the title company reviews title and payoff figures and coordinates the closing work. You don't need to pay off your back taxes before we settle. We buy houses with back taxes and liens — payoffs get handled through the closing, not by you upfront.
4. When you sell to us, we pay the closing costs, including the Connecticut state and municipal real estate conveyance taxes. This does not pay your mortgage, liens, back taxes, or your share of current property taxes; those are separate from the closing costs we pay.

It's real estate. Sometimes there are bumps in the road. We won't disappear when that happens, and we'll be fighting to get this to the closing table.

The court date still controls unless the court changes it. Do not assume a payoff, agreement, or pending request has moved a law day or sale date; have your attorney or title company confirm the current deadline.

Local help and records

Owner-occupants of one- to four-family homes may qualify for Connecticut's Foreclosure Mediation Program. Read the Connecticut Judicial Branch's Foreclosure Mediation Program FAQ and ask about eligibility and your case deadline.

For Torrington land-records information, use the City Clerk's Land Records & eRecording page. For a tax sale or mortgage case deadline, use the notice and the court or municipal contact named in it.