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I've heard about something called the HOPE(TM) Hotline. What's that?

The HOPE™ Hotline offers personalized advice from housing counseling agencies approved by the U.S. Department of Housing and Urban Development (HUD). 

You can access this national hotline by calling (888) 995-HOPE (4673) 24 hours a day, 7 days a week. You may also access the Homeownership Preservation Foundation website.