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Ten Tips for Avoiding Foreclosure

The U.S. Department of Housing and Urban Development recommends the following:

  • Don’t ignore the problem
  • Contact your lender as soon as you realize you have a problem
  • Open and respond to all mail from your lender
  • Know your mortgage rights
  • Understand foreclosure prevention options
  • Contact an approved HUD Housing Counselor
  • Prioritize your spending
  • Use assets you may have to raise cash
  • Avoid foreclosure prevention companies
  • Don’t lose your house to foreclosure recovery scams

Where to Turn for Help

The links below are intended to inform residents about assistance available for homeowners having trouble paying their mortgage, have an adjustable rate mortgage or sub-prime loan, or may have fallen victim to predatory or unscrupulous lending activities:

 

Contact an approved Counseling Agency in your area who can provide free counseling sessions to homeowners in default or in danger of default.  Agencies additionally provide information and referral to PHFA foreclosure assistance programs including the Homeowners Emergency Assistance Program (HEMAP); Refinance to an Affordable Loan (REAL) Program and the Homeowners Equity Recovery Loan (HERO) Program.

Homeowners with non-FHA adjustable rate mortgages should contact a HUD approved counseling Agency to see if the FHA Secure refinancing option can help you keep your home.

Call toll free (888) 275-8843

The Don’t Borrow Trouble Help Line provides consumers free civil legal advice for purchasing a home, refinancing, consolidating debt, taking out a home-equity loan, and mortgage foreclosure prevention.

Also, the Federal Reserve Bank has prepared a comprehensive list of resources for consumers having difficulty making their mortgage payments.  Click here for information.

 

 

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