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If you’re having trouble paying your mortgage, here’s how you can take control


The most important thing you can do when you’re having trouble paying your mortgage is take control. There is nothing worse than doing nothing. Taking control means taking two steps:

  • Talk to your mortgage servicer about possible solutions.
  • Contact a professional HUD-approved housing counseling agency for no-cost assistance to figure out your options. Find a housing counselor online or call 888-995-HOPE (4673).

Housing counselors are trained to help you fill out the documents you will need to submit to get help. They can also walk you through the choices you will face. It’s also very important that you read the notices and information your mortgage servicer sends you.

There are many programs out there that can help you either keep your home or leave it with relocation assistance and potentially less damage to your credit. Depending on when you took out your mortgage and how delinquent you are, programs like the Home Affordable Refinance Program (HARP) and the Home Affordable Modification Program (HAMP) can help you lower your mortgage payment or avoid an unnecessary foreclosure. If you’re unemployed, you may also be eligible for short-term help.

Also, new rules require your mortgage servicer to contact you soon after you become delinquent and let you know about options that may be available to you to avoid foreclosure. To get this help, you’ll need to fill out an application for mortgage assistance or “loss mitigation” as it is often called. It’s important that you provide all the information that your servicer asks for, otherwise the servicer can’t complete its evaluation.

Learn more about the new mortgage rules and the procedures mortgage servicers must follow in dealing with borrowers facing foreclosure.

You can submit a complaint about your mortgage online or by calling (855) 411-2372 and we’ll work to get you a response.

  • MsCatsMeow

    This is excellent advice. Doing nothing is the absolute worst thing to do. Ask the guy who was in the news a couple of months ago who opened, read, then completely ignored the warning letters from his homeowner’s association about fees. Because he did nothing, the HOA foreclosed on his house and evicted him over fees totaling (if I recall correctly) less than $1,000. Also, NEVER pay up front (or at all) for consumer assistance. The government has long offered counseling at no cost. This is a great service and should definitely be taken advantage of.

  • ra

    I have been dealing with my servicer for over a year and it’s nothing but a side show for them. I have filled out countless amounts of paperwork, attended 2 mediations of which the servicer does not even show up nor does his attorney, sends a rent by the hour attorney instead. Go to court, does not show up, same rent by the hour attorney, They continue to send me mediation forms. I have hired 2 attorneys to try and help me and all they’ve done is sit back and take my money. I am out THOUSANDS of dollars and am in foreclosure and I cannot get ANYONE to help me. The 1st thing out of the rent by the hour attorney at both mediations is “my client did not take federal money so they don’t need to offer any federal help”. My mortgage was assigned in 2011 3 times in 3 months, back to back. I have no idea if this company truely owns the loan since they are not listed on the note and their name is handwritten in the assignment. The assignment I was supplied recently by my then servicer shows a blank area in the assignor space. Even the Judge stated to the rent by the hour attorney “do we really need another displaced family. work with this family”. These people could care less. They have an agenda and that is to take my home. I am now having to face filing BK13 in order to save this house. Very sad state we live in! I don’t believe there is help out there for the consumer no matter what rules are in place.

    • Jack

      If you could not pay for the loan, you should not have accepted the money.

      • Jenny

        I think that is a very harsh and judgemental statement to make. Things occur that put people in these situatiions. It is not just people not paying their bills. And to make such an ignorant statement like you did above proves you are poorly educated on the economy and what it has done to people who were otherwise in good financial standing. Get all of your facts before you start making judgements.

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