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1. Helping Americans

1. Avoiding Foreclosure
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   Avoiding Foreclosure
   
   On This Page
   
   Are You At Risk of Foreclosure?
   Tips for Avoiding Foreclosure
   When a Lender Won't Work with You
   Related Information
   
   Talk with a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a number of programs to help homeowners who are at risk of foreclosure and otherwise dealing with their regular monthly mortgage payments. Please continue reading for a summary of resources available.
   
   Please read FHA's pamphlet, "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 contact your lending institution or loan servicer straight to inquire about foreclosure prevention choices that are offered. If you are experiencing problem communicating 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 strongly to halt and reverse the losses represented by foreclosure. Through its Center (NSC), FHA uses a number of numerous loss mitigation programs and informative resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) customers dealing with financial challenge or unemployment and whose mortgage is either in default or at threat of default.
   
   Click on this link 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 personnel are readily available to help address your questions and help you to better understand your options as an FHA debtor under these loss mitigation programs. There are numerous ways you can contact FHA for more details, 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 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 doesn't take place over night
   
   Have you missed your house 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 out on a house payment yet, however afraid you might?
   
   Has your financial scenario altered due to a mortgage payment increase, loss of task, divorce, medical expenses, boost in taxes or other reasons?
   
   - Is your charge card financial obligation becoming uncontrollable?
   - Are you using your credit cards to buy groceries?
   - Is it becoming tough to pay all your month-to-month 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 discover a housing therapist near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people think they will lose their home