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 Work with You
   Related Information
   
   Talk to a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a variety of programs to assist house owners who are at danger of foreclosure and otherwise battling with their month-to-month mortgage payments. Please continue checking out for a summary of resources offered.
   
   Please check out FHA's brochure, "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 lender or loan servicer directly to ask 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 organizations that can assist by getting in touch with loan providers and servicers on your behalf.
   
   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 different loss mitigation programs and educational resources to help FHA-insured property owners and home equity conversion mortgage (HECM) customers dealing with monetary difficulty or unemployment and whose mortgage is either in default or at danger of default.
   
   Click Here to log onto the NSC Loss Mitigation Programs web page.
   Click on this link for responses to Frequently Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA personnel are offered to assist answer your concerns and help you to better comprehend your alternatives as an FHA customer under these loss mitigation programs. There are a number of ways you can get in touch with FHA for more details, 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 might 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 happen over night
   
   Have you missed your house payment?
   
   Search for a HUD-approved housing counselor, or.
   - Call toll complimentary (800) 569-4287 to discover a housing therapist near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed out on a house payment yet, however scared you might?
   
   Has your financial scenario altered due to a mortgage payment increase, loss of task, divorce, medical costs, boost in taxes or other factors?
   
   - Is your credit card debt becoming unmanageable?
   - Are you using your credit cards to purchase groceries?
   - Is it ending up being hard to pay all your month-to-month costs on time?
   If it's becoming harder to make your house payment each month:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll free (800) 569-4287 to find a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people think they will lose their home