1. Helping Americans

1. Avoiding Foreclosure
   
   Avoiding Foreclosure
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   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 variety of programs to assist property owners who are at danger of foreclosure and otherwise fighting with their month-to-month mortgage payments. Please continue checking out for a summary of resources offered.
   
   Please read FHA's pamphlet, "Save Your Home: Tips to Avoid Foreclosure," likewise published in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing difficulties making your mortgage payments, you are encouraged to contact your lender or loan servicer straight to ask about foreclosure prevention options that are offered. If you are experiencing problem interacting with your mortgage lender or servicer about your requirement for mortgage relief, there are organizations that can assist by contacting loan providers 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 aggressively to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA provides a variety of different loss mitigation programs and informative resources to assist FHA-insured homeowners and home equity conversion mortgage (HECM) customers dealing with monetary hardship or joblessness and whose mortgage is either in default or at danger of default.
   
   Click Here 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 staff are offered to help address your questions and assist you to better comprehend your choices as an FHA borrower under these loss mitigation programs. There are numerous ways you can contact FHA to learn 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 threat of foreclosure and losing your home? Foreclosure doesn't occur overnight
   
   Have you missed your house payment?
   
   Search for a HUD-approved housing counselor, 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, however scared you might?
   
   Has your financial scenario altered due to a mortgage payment boost, loss of task, divorce, medical expenditures, increase in taxes or other reasons?
   
   - Is your credit card financial obligation ending up being uncontrollable?
   - Are you utilizing your charge card to buy groceries?
   - Is it ending up being challenging to pay all your month-to-month expenses on time?
   If it's ending up being harder to make your home payment every month:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll complimentary (800) 569-4287 to discover a housing therapist near you.
   - Read our Tips for Avoiding Foreclosure.
   Few individuals believe they will lose their home