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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 Deal With You
   Related Information
   
   Talk with a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a variety of programs to help property owners who are at risk of foreclosure and otherwise fighting with their regular monthly mortgage payments. Please continue checking out for a summary of resources available.
   
   Please read FHA's pamphlet, "Save Your Home: Tips to Avoid Foreclosure," likewise published in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing problems making your mortgage payments, you are encouraged to call your lending institution or loan servicer straight to ask about foreclosure prevention alternatives that are readily available. If you are experiencing problem communicating with your mortgage lender or servicer about your requirement for mortgage relief, there are organizations that can help by getting in touch with lenders and servicers in your place.
   
   Assistance for FHA-Insured Homeowners
   
   The Federal Housing Administration (FHA), which belongs of the U.S. Department of Housing and Urban Development (HUD), is working strongly to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA uses a number of different loss mitigation programs and informational resources to assist FHA-insured property owners and home equity conversion mortgage (HECM) borrowers facing financial difficulty or unemployment and whose mortgage is either in default or at threat of default.
   
   Click on this link to log onto the NSC Loss Mitigation Programs home page.
   Click on this link for answers to Frequently Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA personnel are readily available to assist address your concerns and assist you to much better understand your choices as an FHA debtor under these loss mitigation programs. There are a number of methods you can contact FHA for additional information, 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 through 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 danger of foreclosure and losing your home? Foreclosure does not happen overnight
   
   Have you missed your home payment?
   
   Look for a HUD-approved housing therapist, or.
   - Call toll complimentary (800) 569-4287 to discover a housing therapist near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed out on a house payment yet, however scared you might?
   
   Has your monetary scenario altered due to a mortgage payment boost, loss of job, divorce, medical expenditures, increase in taxes or other reasons?
   
   - Is your credit card financial obligation becoming unmanageable?
   - Are you utilizing your credit cards to purchase groceries?
   - Is it becoming tough to pay all your monthly costs on time?
   If it's ending up being harder to make your house payment monthly:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll complimentary (800) 569-4287 to discover a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few individuals believe they will lose their home