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 to a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a number of programs to assist house owners who are at danger of foreclosure and otherwise having problem with their regular monthly mortgage payments. Please continue reading for a summary of resources available.
   
   Please check out FHA's 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 contact your lending institution or loan servicer straight to inquire about foreclosure prevention options that are offered. If you are experiencing problem interacting with your mortgage lender or servicer about your need for mortgage relief, there are organizations that can help by calling lending institutions and servicers in your place.
   
   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 strongly to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA uses a number of various loss mitigation programs and informative resources to help FHA-insured property owners and home equity conversion mortgage (HECM) borrowers dealing with financial difficulty or unemployment and whose mortgage is either in default or at danger 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 available to help address your questions and help you to much better understand your options 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 disabilities 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 does not take place over night
   
   Have you missed your house payment?
   
   Look for a HUD-approved housing counselor, or.
   - Call toll complimentary (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, but afraid you might?
   
   Has your financial scenario changed due to a mortgage payment boost, loss of job, divorce, medical costs, increase in taxes or other factors?
   
   - Is your credit card financial obligation becoming unmanageable?
   - Are you using your charge card to purchase groceries?
   - Is it ending up being tough to pay all your regular monthly costs on time?
   If it's ending up being harder to make your house payment each month:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll complimentary (800) 569-4287 to discover a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people believe they will lose their home