scgov.net - Home Help
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Take steps to protect
your home, your family and your credit rating. Don't
wait until it's too late.
Regardless of your
situation, if you are facing the risk of losing your home, the
first thing to do is to clearly understand your financial
condition. It is recommended you follow these three steps:
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Call for assistance. Homeowner's HOPE™, a free counseling
service provided by the
Homeownership Preservation Foundation,
can work with you to try to find a solution. The sooner you call, the
sooner you can regain your peace of mind. More than half of homeowners facing foreclosure did not
call for help when they fell behind in their mortgage
payments.
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Get prepared! Before you call, you will need the following
information ready and on
hand:
- Name of owner
- Property
address
- Telephone number
- E-mail address
- Mortgage lender(s) name
- Mortgage
loan number
- List of monthly bills (credit cards, auto payments, etc.)
- Documentation of current income
- Causes for mortgage trouble
- Is the loan in bankruptcy? (if yes, you will need to
provide the owners name, location, case number and attorneys
name).
- Is the property owner-occupied?
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Avoid foreclosure-call a reputable
nonprofit organization.
The Homeowner's HOPE Hotline,
available at 888-995-HOPE (4673), is an independent,
third-party resource that is a part of the Housing and Urban Development
(HUD) certified,
not-for-profit network dedicated to helping homeowners. HOPE counselors are trained to set up a plan of
action designed just for you and your situation.
(Spanish speaking counselors are also available; llame
español.)
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Local Referrals
In some instances, the HOPE Hotline will
arrange for local one-on-one personal meetings.
Depending upon your situation, you may be referred to a
local HUD-approved agency.
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FinancialStability.gov