Are you at Risk Of Foreclosure?
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1. Helping Americans

  1. Avoiding Foreclosure
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    Avoiding Foreclosure

    On This Page

    Are You At Risk of Foreclosure?
    Tips for
    When a Lender Won't Deal With You
    Related Information

    Talk to a HUD-Approved Housing Counseling Agency
    FHA Loss Mitigation Services
    There are a variety of programs to assist property owners who are at risk of foreclosure and otherwise struggling with their monthly mortgage payments. Please continue reading for a summary of resources readily available.

    Please read FHA's sales brochure, "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 motivated to contact your lender or loan servicer straight to ask about foreclosure prevention choices 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 companies that can assist by getting in touch with lending institutions 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 aggressively to stop and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA provides a number of numerous loss mitigation programs and informational resources to help FHA-insured homeowners and home equity conversion mortgage (HECM) borrowers dealing with monetary hardship or joblessness and whose mortgage is either in default or at threat of default.

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

    FHA staff are readily available to assist address your questions and help you to much better understand your alternatives as an FHA customer under these loss mitigation programs. There are several 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 impairments may 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 risk of foreclosure and losing your home? Foreclosure doesn't take place over night

    Have you missed your home payment?

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

    Has your financial scenario altered due to a mortgage payment boost, loss of job, divorce, medical expenditures, boost in taxes or other reasons?

    - Is your charge card debt ending up being 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 every month:

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