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 danger of foreclosure and otherwise dealing 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," also released in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing problems making your mortgage payments, you are encouraged to call your lending institution or loan servicer directly to ask about foreclosure prevention options that are available. If you are experiencing trouble interacting with your mortgage loan provider or servicer about your requirement for mortgage relief, there are companies that can help by contacting loan providers and servicers in your place.
   
   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 strongly to stop and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA offers a number of different loss mitigation programs and informative resources to help FHA-insured homeowners and home equity conversion mortgage (HECM) customers dealing with monetary difficulty or unemployment and whose mortgage is either in default or at threat of default.
   
   Click Here 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 available to assist answer your concerns and help you to much better comprehend your options as an FHA debtor under these loss mitigation programs. There are a number of methods you can contact 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 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 threat of foreclosure and losing your home? Foreclosure doesn't occur overnight
   
   Have you missed your home payment?
   
   Look for a HUD-approved housing therapist, or.
   - Call toll totally free (800) 569-4287 to discover a housing counselor near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed a home payment yet, but scared you might?
   
   Has your financial circumstance altered due to a mortgage payment increase, loss of task, divorce, medical costs, boost in taxes or other reasons?
   
   - Is your charge card financial obligation becoming unmanageable?
   - Are you using your credit cards to purchase groceries?
   - Is it ending up being hard to pay all your monthly expenses on time?
   If it's ending up being harder to make your home payment monthly:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll totally free (800) 569-4287 to discover a housing therapist near you.
   - Read our Tips for Avoiding Foreclosure.
   Few individuals believe they will lose their home