We can help you get connected to a HUD-approved housing counselor. At no cost to you, the counselor can help you work with your mortgage company to try to avoid foreclosure. A housing counselor can help you organize your finances, understand your mortgage options, and find a solution that works for you.
Here’s what to do:
Have this ready when you work with your mortgage company or housing counselor to discuss a possible work-out solution.
- Mortgage loan number (account number)
- Any additional paperwork from your mortgage company
- Recent pay stubs
- Recent tax return
- Household expenses (bills including food, utilities, car payments, insurance, cable, phone, credit cards, car loans, and student loans)
If you would prefer to look for mortgage help online, HUD provides a list of foreclosure prevention resources arranged by state. Military members or veterans can call us or visit the VA’s home loan website to get personalized assistance.
Foreclosure prevention and loan modification scammers target homeowners who are having trouble paying their mortgages. These scammers might promise “guaranteed” or “immediate” relief from foreclosure, and they might charge you very high fees for little or no services. Don’t get scammed. If it sounds too good to be true, it probably is. Call the CFPB if you think you may be the target or victim of a scam.
If you believe you are in need of an attorney, or if you have been served with a notice of foreclosure or other related legal complaint, there might be legal representation available at little or no cost to you. Find legal aid in your state.