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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 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 house owners who are at risk of foreclosure and otherwise fighting with their monthly mortgage payments. Please continue reading for a summary of resources readily available.
   
   Please check out 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 troubles making your mortgage payments, you are encouraged to contact your lender or loan servicer straight to ask about foreclosure prevention options that are offered. If you are experiencing problem interacting with your mortgage lending institution or servicer about your requirement for mortgage relief, there are companies that can assist by calling loan providers 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 halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA uses a variety of numerous loss mitigation programs and educational resources to help FHA-insured house owners and home equity conversion mortgage (HECM) debtors dealing with monetary challenge or joblessness and whose mortgage is either in default or at danger of default.
   
   Click Here to log onto the NSC Loss Mitigation Programs web page.
   Click Here for responses to Frequently Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA staff are readily available to help address your questions and assist you to much better understand your choices as an FHA borrower under these loss mitigation programs. There are numerous methods you can call 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 problems may access this number through 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 does not occur overnight
   
   Have you missed your home payment?
   
   Look for a HUD-approved housing therapist, or.
   - Call toll totally free (800) 569-4287 to find a housing therapist near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed out on a home payment yet, however scared you might?
   
   Has your financial situation changed due to a mortgage payment boost, loss of task, divorce, medical costs, increase in taxes or other reasons?
   
   - Is your charge card debt ending up being unmanageable?
   - Are you using your charge card to buy groceries?
   - Is it ending up being challenging to pay all your monthly expenses 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 free (800) 569-4287 to find a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people believe they will lose their home