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 Loan Provider Won't Deal With You
   Related Information
   
   Talk with a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a number of programs to assist homeowners who are at danger of foreclosure and otherwise fighting with their regular monthly mortgage payments. Please continue reading for a summary of resources offered.
   
   Please read 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 troubles making your mortgage payments, you are motivated to contact your loan provider or loan servicer directly to ask about foreclosure avoidance choices that are offered. If you are experiencing trouble interacting with your mortgage lender or servicer about your need for mortgage relief, there are companies that can assist 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 aggressively to stop and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA provides a variety of numerous loss mitigation programs and informative resources to help FHA-insured property owners and home equity conversion mortgage (HECM) customers facing financial hardship or unemployment 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 answers to Frequently Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA personnel are readily available to assist address your questions and help you to much better understand your options as an FHA debtor under these loss mitigation programs. There are a number of ways 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 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 threat of foreclosure and losing your home? Foreclosure doesn't take place over night
   
   Have you missed your home payment?
   
   Look for a HUD-approved housing counselor, or.
   - Call toll free (800) 569-4287 to find 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 monetary circumstance changed due to a mortgage payment boost, loss of job, divorce, medical costs, boost in taxes or other reasons?
   
   - Is your charge card debt ending up being unmanageable?
   - Are you utilizing your charge card to purchase groceries?
   - Is it becoming difficult to pay all your month-to-month expenses on time?
   If it's becoming harder to make your house payment every month:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll totally free (800) 569-4287 to discover a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people believe they will lose their home