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 Work 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 risk of foreclosure and otherwise having problem with their 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 published in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing difficulties making your mortgage payments, you are encouraged to call your lending institution or loan servicer directly to ask about foreclosure prevention options that are readily available. If you are experiencing problem communicating with your mortgage lending institution or servicer about your requirement for mortgage relief, there are companies that can help by 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 variety of numerous loss mitigation programs and informative resources to help FHA-insured house owners and home equity conversion mortgage (HECM) borrowers facing monetary hardship 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 home page.
   Click Here for answers to Frequently Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA personnel are available to assist answer your questions and assist you to much better comprehend your options as an FHA customer under these loss mitigation programs. There are numerous ways 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 impairments 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 danger of foreclosure and losing your home? Foreclosure does not happen overnight
   
   Have you missed your home payment?
   
   Search for a HUD-approved housing therapist, or.
   - Call toll totally free (800) 569-4287 to discover a housing therapist near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed a house payment yet, but afraid you might?
   
   Has your monetary circumstance altered due to a mortgage payment increase, loss of task, divorce, medical expenditures, increase in taxes or other factors?
   
   - Is your credit card financial obligation ending up being unmanageable?
   - Are you utilizing your charge card to purchase groceries?
   - Is it ending up being difficult to pay all your monthly bills on time?
   If it's becoming harder to make your house payment each month:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll complimentary (800) 569-4287 to find a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few individuals think they will lose their home