land.com
1. Helping Americans

1. Avoiding Foreclosure
   
   Avoiding Foreclosure
   
   On This Page
   
   Are You At Risk of Foreclosure?
   Tips for Avoiding Foreclosure
   When a Lending Institution Won't Work with You
   Related Information
   
   Talk to a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a number of programs to assist house owners who are at risk of foreclosure and otherwise dealing with their regular monthly mortgage payments. Please continue checking out for a summary of resources offered.
   
   Please read 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 motivated to contact your lender or loan servicer directly to ask about foreclosure avoidance choices that are available. If you are experiencing problem communicating with your mortgage loan provider or servicer about your need for mortgage relief, there are organizations that can help by contacting lenders and servicers on your behalf.
   
   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 provides a variety of numerous loss mitigation programs and educational resources to help FHA-insured homeowners and home equity conversion mortgage (HECM) borrowers dealing with financial difficulty or unemployment and whose mortgage is either in default or at danger of default.
   
   Click Here 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 offered to help address your questions and assist you to much better comprehend your alternatives as an FHA customer under these loss mitigation programs. There are several ways you can call FHA to find out more, 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 threat of foreclosure and losing your home? Foreclosure does not take place overnight
   
   Have you missed your home payment?
   
   Search for a HUD-approved housing therapist, 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 a home payment yet, however afraid you might?
   
   Has your financial situation changed due to a mortgage payment increase, loss of job, divorce, medical costs, increase in taxes or other factors?
   
   - Is your charge card debt ending up being uncontrollable?
   - Are you using your credit cards to purchase groceries?
   - Is it becoming tough to pay all your regular monthly costs on time?
   If it's becoming harder to make your home 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