Are you at Risk Of Foreclosure?
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1. Helping Americans

  1. Avoiding Foreclosure

    Avoiding Foreclosure

    On This Page

    Are You At Risk of Foreclosure?
    Tips for Avoiding Foreclosure
    When a Lender Won't Work with You
    Related Information

    Speak with a HUD-Approved Housing Counseling Agency
    FHA Loss Mitigation Services
    There are a number of programs to assist homeowners who are at threat of foreclosure and otherwise dealing with their regular monthly mortgage payments. Please continue checking out for a summary of resources readily available.

    Please check out FHA's pamphlet, "Save Your Home: Tips to Avoid Foreclosure," likewise published in Spanish, Chinese and Vietnamese.
    vishraam.com
    Contact Your Lender

    If you are experiencing troubles making your mortgage payments, you are encouraged to call your loan provider or loan servicer directly to ask about foreclosure avoidance options that are readily available. If you are experiencing trouble communicating with your mortgage loan provider or servicer about your need for mortgage relief, there are organizations that can assist by calling loan providers and servicers on your behalf.

    Assistance for FHA-Insured Homeowners

    The Federal Housing Administration (FHA), which is a part of the U.S. Department of Housing and Urban Development (HUD), is working aggressively to stop and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA provides a variety of numerous loss mitigation programs and informational resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) customers facing financial hardship or joblessness and whose mortgage is either in default or at risk of default.

    Click on this link to log onto the NSC Loss Mitigation Programs web page.
    Click on this link for answers to Frequently Asked Questions about FHA's loss mitigation programs.
    Contact FHA

    FHA personnel are available to help address your questions and assist you to better understand your options as an FHA customer under these loss mitigation programs. There are a number of methods you can get in touch with FHA for more details, consisting of:

    - Call the National Servicing Center at (877) 622-8525
    - Call the FHA Outreach Center at (800) CALL FHA (800-225-5342).
    - Persons with hearing or speech problems might access this number by means of TTY by calling the Federal Information Relay Service at (800) 877-8339.
    Email the FHA Resource Center.
    The Online FHA Resource Center.
    Are you at threat of foreclosure and losing your home? Foreclosure doesn't occur over night

    Have you missed your house payment?

    Search for a HUD-approved housing counselor, or.
    - Call toll complimentary (800) 569-4287 to discover a housing counselor near you, or.
    - Call the Homeowners Hope Hotline at (888) 995-HOPE.
    Haven't missed out on a house payment yet, however afraid you might?

    Has your monetary situation changed due to a mortgage payment increase, loss of task, divorce, medical costs, boost in taxes or other factors?

    - Is your charge card financial obligation becoming unmanageable?
    - Are you using your charge card to buy groceries?
    - Is it ending up being tough to pay all your monthly expenses on time?
    If it's becoming harder to make your house payment every month:

    Contact a HUD-approved Housing Counselor, or.
    - Call toll free (800) 569-4287 to find a housing therapist near you.
    - Read our Tips for Avoiding Foreclosure.
    Few individuals believe they will lose their home