YOU DON’T HAVE TO FACE FORECLOSURE ALONE
A HUD Certified Housing Counselor can be your first line of defense in saving your home. If you are facing foreclosure or need a better understanding of your forbearance agreement, we can help you navigate your situation. Our Housing Counselors will work with you and help you decide what mortgage options are best for you.
If you have missed any mortgage payments, or are about to miss a payment, our Housing Counselors can help you assess your circumstances, identify your options and prepare you to talk with your mortgage company and – help is free! Their objective, like yours, is to find a way to help keep you in your home.
A Housing Counselor will:
- Explain what documents you will need to provide to your mortgage company, and may be able to contact the mortgage company on your behalf
- Help you make a budget so that you can meet your monthly mortgage payment and other expenses
- Provide information about local resources that may be helpful to you
GETTING STARTED
Every moment counts when working to prevent foreclosure. The earlier you reach out to us the faster we can begin to assist you in possibly saving your home from foreclosure.
The first step is to complete the application here on our website. After you complete the application you will be assigned to one of our HUD Certified Housing Counselors that will work with you. You can complete the application here:
BEWARE OF FORECLOSURE SCAMS
Review warning signs that you may be dealing with a mortgage foreclosure scam operator. If the company:
- Demands a fee in advance. No legitimate organization that works with borrowers to avoid foreclosure will ever ask for money up front.
- Makes unsolicited offers or “lofty” advertisements, claiming they can help save your home.
- Recommends you break off contact with the lender and any counselor that you may have been working with.
- Advises you to stop making mortgage payments.
- Tells you to send your mortgage payment to anyone other than your loan servicer.
- Instructs you to transfer ownership of your property.
- Makes verbal promises that aren’t put in writing.
- Asks you to sign a document that has blank lines or spaces.
*Information on loan scams from Federal Deposit Insurance Corporation
