Anchor checks go out in batches throughout the year, not all at once

Anchor checks — the one-time payments from Connecticut's Homeowner information Fund — are mailed in waves based on when your process was approved, not on a single statewide date. The program stopped accepting new applications in March 2023, so all remaining payments are going to people who were already approved. Checks are issued roughly every two weeks as the program processes remaining cases.

If you were approved before the process important date, your check will arrive eventually, but the exact timing depends on your approval date and whether your file needed additional documents. The program prioritized applications in the order they were received, so earlier approvals went out first.

Key Takeaways

  • Anchor checks are sent in batches every two weeks or so, not on a single date, based on approval order.
  • You can check your payment status by calling the program directly or logging into the online portal if you created an account during process.
  • Checks are mailed to the address on file in your process, so update your mailing address if you moved after you applied.
  • If your check does not arrive within two weeks of the expected date, contact the program to confirm your address and payment status.

How to learn about your check has been sent

Connecticut's Homeowner information Fund has an online portal where you can log in with your process number and see your case status. If you created an account when you applied, use those same login credentials. The portal will show whether your process was approved, denied, or is still pending — and if approved, whether your check has been issued.

You can also call the program's customer service line to ask about your specific case. Have your process number ready. They can tell you the approval date, the expected mailing date, and whether there are any missing documents holding up your payment.

Why some checks take longer than others

Applications that were complete when submitted — with all required documents like proof of income, mortgage statements, and property tax records — moved through faster. If your process was missing documents, the program sent you a notice asking for them. Once you returned those documents, your case went back into the queue, which delayed your approval and payment date.

Some applicants had to provide additional verification because their income was unusual, their mortgage was held by a non-traditional lender, or their property tax situation was complex. These cases took longer to review but still received payments once approved.

What to do if you have not received your check

If the program told you your check was issued but you have not received it after two weeks, first check that your mailing address is correct in the system. If you moved after you applied and did not update your address, the check may have gone to your old house. Contact the program when ready to confirm the address they have on file.

If the address is correct and you still have not received the check after three weeks from the issue date, ask the program to issue a replacement check. They can reissue payments that appear to be lost in the mail. Keep any paperwork from the program showing the issue date so you can reference it when you call.

Checks sent to mortgage servicers, not homeowners

Some Anchor checks were sent directly to your mortgage servicer or lender instead of to you. This happens when the program determined that your mortgage was in default or seriously delinquent. The servicer receives the payment and applies it to your loan account, which stops or delays a foreclosure.

If your check went to your servicer, you will not receive a physical check in the mail. Instead, you should see the payment reflected on your mortgage statement within 30 to 60 days. Contact your servicer's customer service line to confirm they received the payment and to ask how it was applied to your account.

What happens if the program closed before you were approved

The Homeowner information Fund stopped taking new applications in March 2023. If you did not submit an process before that date, you cannot receive an Anchor check through this program. The fund was designed to help homeowners who fell behind on mortgage payments during the pandemic, and the state determined that the available money was allocated.

If you are still behind on your mortgage, contact your lender directly to ask about loan modification, forbearance, or other options. You can also reach out to a HUD-approved housing counselor through the Connecticut Housing Finance Authority, who can review your situation and discuss alternatives.

Frequently Asked Questions

Can I check my Anchor check status without logging into the portal?

Yes. Call the Homeowner information Fund customer service line and provide your process number. They can tell you whether your process was approved, when your check was issued, and what address it was mailed to. This is faster than waiting for a portal response if you do not remember your login information.

What if I never received an approval or denial letter?

Contact the program directly to confirm they have your correct mailing address and email. If your process was denied, they should have sent you a letter explaining why. If you never received it, ask them to resend the denial notice or explain the reason over the phone. If your process was approved but you never got a letter, ask for confirmation of the approval date and expected check date.

Can I get my Anchor check deposited to my bank account instead of mailed?

The program mails checks by default. Once your check is issued, you cannot change it to direct deposit. If you receive the check, you can deposit it yourself at your bank. If you are concerned about mail delivery, contact the program to confirm your address and ask them to flag your case for tracking.

What if my mortgage was paid off or I sold my house after I applied?

Contact the program when ready to report the change. If your mortgage was paid off, your Anchor check may have been denied because you no longer had a may have access to mortgage debt. If you sold the house, the program needs to know the sale date and whether the sale proceeds paid off your mortgage. These changes affect your payment status.

How long does a replacement check take if mine was lost?

Replacement checks typically take two to four weeks to arrive after the program issues them. The exact timing depends on mail delivery. Ask the program for a tracking number or confirmation of the reissue date so you know when to expect it.