1. Helping Americans

1. Avoiding Foreclosure
   
   Avoiding Foreclosure
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   On This Page
   
   Are You At Risk of Foreclosure?
   Tips for Avoiding Foreclosure
   When a Lender Won't Deal With You
   Related Information
   
   Speak with a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a variety of programs to help homeowners who are at threat of foreclosure and otherwise dealing with their regular monthly mortgage payments. Please continue reading for a summary of resources offered.
   
   Please read FHA's brochure, "Save Your Home: Tips to Avoid Foreclosure," likewise published in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing troubles 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 trouble communicating with your mortgage lending institution or servicer about your need for mortgage relief, there are organizations that can assist by getting in touch with loan providers 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 aggressively to halt 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 property owners and home equity conversion mortgage (HECM) borrowers dealing with monetary 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 staff are available to help address your concerns and assist you to better comprehend your alternatives as an FHA debtor under these loss mitigation programs. There are numerous methods you can get in touch with FHA for additional information, including:
   
   - 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 may 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 happen over night
   
   Have you missed your house payment?
   
   Look for a HUD-approved housing therapist, or.
   - Call toll free (800) 569-4287 to find a housing counselor near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed out on a home payment yet, but afraid you might?
   
   Has your monetary situation altered due to a mortgage payment boost, loss of job, divorce, medical expenditures, boost in taxes or other reasons?
   
   - Is your credit card financial obligation ending up being uncontrollable?
   - Are you utilizing your credit cards to buy groceries?
   - Is it becoming challenging to pay all your month-to-month expenses on time?
   If it's becoming harder to make your house payment every month:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll complimentary (800) 569-4287 to find a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people believe they will lose their home