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1 Are you at Risk Of Foreclosure?

1. Helping Americans 2. Avoiding Foreclosure

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

Talk with a HUD-Approved Housing Counseling Agency
FHA Loss Mitigation Services
There are a variety of programs to assist homeowners who are at danger of foreclosure and otherwise fighting 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," also released in Spanish, Chinese and Vietnamese.

Contact Your Lender

If you are experiencing troubles making your mortgage payments, you are encouraged to contact your lending institution or loan servicer directly to ask about foreclosure prevention alternatives that are readily available. If you are experiencing problem interacting with your mortgage lending institution or servicer about your need for mortgage relief, there are organizations that can assist by calling 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 stop and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA offers a number of various loss mitigation programs and educational resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) borrowers dealing with financial hardship or unemployment and whose mortgage is either in default or at threat of default.

Click Here to log onto the NSC Loss Mitigation Programs home page.
Click Here for responses to Frequently Asked Questions about FHA's loss mitigation programs.
Contact FHA

FHA personnel are offered to assist address your concerns and help you to much better understand your options as an FHA borrower under these loss mitigation programs. There are numerous methods you can contact FHA for more 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 disabilities might access this number via 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 does not occur overnight

Have you missed your house payment?

Search for a HUD-approved housing counselor, or.
- Call toll free (800) 569-4287 to find 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 afraid you might?

Has your monetary scenario changed due to a mortgage payment increase, loss of job, divorce, medical expenditures, increase in taxes or other factors?

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

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