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 house owners who are at risk of foreclosure and otherwise battling with their regular monthly mortgage payments. Please continue reading for a summary of resources available.
   
   Please read FHA's brochure, "Save Your Home: Tips to Avoid Foreclosure," also released 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 inquire about foreclosure prevention alternatives that are available. If you are experiencing difficulty interacting with your mortgage lender or servicer about your need for mortgage relief, there are companies that can assist by calling lending institutions 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 stop and reverse the losses represented by foreclosure. Through its National Servicing Center (NSC), FHA provides a variety of numerous loss mitigation programs and educational resources to help FHA-insured property owners and home equity conversion mortgage (HECM) borrowers dealing with monetary challenge or unemployment and whose mortgage is either in default or at risk of default.
   
   Click on this link to log onto the NSC Loss Mitigation Programs home page.
   Click on this link for answers to Frequently Asked Questions about FHA's loss mitigation programs.
   Contact FHA
   
   FHA personnel are readily available to assist address your concerns and help you to better understand your alternatives as an FHA borrower under these loss mitigation programs. There are numerous ways you can get in touch with 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 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 danger of foreclosure and losing your home? Foreclosure does not occur over night
   
   Have you missed your home payment?
   
   Search for a HUD-approved housing therapist, or.
   - Call toll free (800) 569-4287 to find a housing counselor near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed a home payment yet, but scared you might?
   
   Has your monetary circumstance changed due to a mortgage payment increase, loss of job, divorce, medical expenses, increase in taxes or other reasons?
   
   - Is your credit card debt ending up being unmanageable?
   - Are you using your charge card to purchase groceries?
   - Is it becoming difficult to pay all your monthly 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 totally free (800) 569-4287 to find a housing counselor near you.
   - Read our Tips for Avoiding Foreclosure.
   Few individuals think they will lose their home