I am behind on my mortgage payment, how can you help me?

We can assist by contacting your lender on your behalf. As a HUD approved housing counseling agency, we will submit a work-out package that includes a hardship letter and financial information.

What type of assistance is available?

Due to the economic “crunch” few companies are able to extend financial assistance to people who are in default. Mortgage Servicers and Investors want to help you avoid foreclosure. They are required to do “Loss Mitigation” before selling your home.
See “Alternatives to Foreclosure” below.

I don’t have all of the money due. Should I send my lender “something”?

Partial payments are not advised. If you send in a partial payment, your money can be placed in a suspense account. It will not be applied to the balance.

I am in bankruptcy. Can I get assistance?

Yes, assistance is available even if you’re in bankruptcy.



You MAY BE ELIGIBILE for a PARTIAL CLAIM if you have an FHA insured loan.

You MAY BE ELIGIBLE for a LOAN MODIFICATION/FOREBEARANCE if you have the ability to start back making payments. Sometimes payments will be slightly increased.

You MAY BE ELIGIBLE for a REPAYMENT PLAN if you have the ability to start back making payments that are significantly increased (a payment and a half)

You MAY BE ELIGIBLE for the Making Home Affordable (Obama) Plan if your investor is Freddie Mac or Fannie Mae. Click here  for more information on the Making Home Affordable (Obama) Plan.

* Print out this document and bring it to us, along with the information requested: What We Need You to Bring Back *