1. Helping Americans

1. Avoiding Foreclosure
   
   Avoiding Foreclosure
   
   On This Page
   
   Are You At Risk of Foreclosure?
   Tips for Avoiding Foreclosure
   When a Lender Won't Deal With You
   Related Information
   
   Speak 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 struggling with their monthly mortgage payments. Please continue checking out for a summary of resources readily available.
   
   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 call your lender or loan servicer straight to inquire about foreclosure prevention alternatives that are available. If you are experiencing difficulty communicating with your mortgage lending institution or servicer about your need for mortgage relief, there are companies that can help by calling 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 strongly to halt and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA uses a variety of numerous loss mitigation programs and informative resources to help FHA-insured house owners and home equity conversion mortgage (HECM) debtors dealing with monetary hardship 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 on this link for responses to Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA staff are offered to assist address your concerns and assist you to better understand your options as an FHA customer under these loss mitigation programs. There are numerous ways 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 problems might access this number by means of 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 happen overnight
   
   Have you missed your house payment?
   
   Look for a HUD-approved housing therapist, or.
   - Call toll totally free (800) 569-4287 to find a housing therapist 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 monetary scenario altered due to a mortgage payment increase, loss of task, divorce, medical expenses, increase in taxes or other reasons?
   
   - Is your credit card debt becoming unmanageable?
   - Are you utilizing your credit cards to purchase groceries?
   - Is it ending up being challenging 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 free (800) 569-4287 to discover a housing therapist near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people believe they will lose their home