Getting a Mortgage In Connecticut After a Foreclosure or Bankruptcy

Posted on May 19, 2017 · Posted in Connecticut FHA Mortgage

Extenuating Program/ Back to Work

The FHA Back to Work Program or Extenuating Circumstances Program is designed for those who have experienced any one of the following due to a loss of income beyond their control.

  • Short Sale

  • Deed in Lieu

  • Bankruptcy

  • Foreclosure

The Program is designed for those who have had a loss of income that led to financial hardship.   Keys to the program are the ability of the borrower to document a drop in income that led to credit challenges.

Hardships faced by borrowers and the resulting credit history may not fully reflect their true ability or propensity to repay a mortgage.  Borrowers can apply for FHA financing in as little as 12 months from the loss of prior homeownerships.

If you think you may qualify I can be reached at 860-334-1354 or email


craig picCraig Thibeau
Senior Loan Officer
North East Financial Middletown, CT
Ph 860-334-1354
NMLS  398576 Company NMLS 117273