1. Helping Americans

1. Avoiding Foreclosure
   
   Avoiding Foreclosure
   
   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 assist homeowners who are at danger of foreclosure and otherwise having problem 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," also released in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing troubles making your mortgage payments, you are motivated to call your lender or loan servicer straight to inquire about foreclosure avoidance alternatives that are readily available. If you are experiencing trouble communicating with your mortgage lender or servicer about your requirement for mortgage relief, there are organizations that can help by calling lending institutions 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 uses a variety of various loss mitigation programs and informational resources to assist FHA-insured property owners and home equity conversion mortgage (HECM) customers dealing with monetary hardship or joblessness 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 Here for responses to Frequently Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA staff are available to help address your questions and assist you to better understand your choices as an FHA debtor under these loss mitigation programs. There are numerous ways you can call FHA for additional 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 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 danger of foreclosure and losing your home? Foreclosure does not happen overnight
   
   Have you missed your house payment?
   
   Look for a HUD-approved housing therapist, or.
   - Call toll free (800) 569-4287 to discover a housing therapist 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 financial situation changed due to a mortgage payment boost, loss of task, divorce, medical costs, boost in taxes or other factors?
   
   - Is your charge card financial obligation ending up being uncontrollable?
   - Are you utilizing your credit cards to purchase groceries?
   - Is it ending up being tough to pay all your month-to-month expenses on time?
   If it's becoming harder to make your house payment monthly:
   
   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