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
   
   Speak to a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a variety of programs to assist property owners 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 check out FHA's sales brochure, "Save Your Home: Tips to Avoid Foreclosure," likewise released in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing troubles making your mortgage payments, you are encouraged to call your loan provider or loan servicer directly to ask about foreclosure prevention choices that are available. If you are experiencing trouble interacting with your mortgage lending institution 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 is a part 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 uses a variety of various loss mitigation programs and informative resources to assist FHA-insured house owners and home equity conversion mortgage (HECM) debtors facing financial challenge or joblessness and whose mortgage is either in default or at risk 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.
   FHA
   
   FHA staff are readily available to help answer your questions and help you to much better understand your choices as an FHA customer under these loss mitigation programs. There are a number of methods you can call FHA to find out more, 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 occur 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 scenario changed due to a mortgage payment boost, loss of job, divorce, medical costs, increase in taxes or other reasons?
   
   - Is your credit 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 monthly bills on time?
   If it's ending up being harder to make your home payment monthly:
   
   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 think they will lose their home