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Community and Internet Resources


Housing: Home Ownership

Foreclosure Prevention


Avoid Foreclosure Scams:

Always avoid working with any company that:

  • Contacts you directly after your home goes into foreclosure.
  • Guarantees to stop the foreclosure process no matter what your circumstances.
  • Instructs you not to contact your lender, a lawyer, or credit or housing counselor
  • Collects a fee before it provides services to you.
  • Tells you to make your home mortgage payments directly to their company.
  • Tells you to transfer your property deed or title to the individual or company.

    Following are legitimate programs to assist homeowners at risk of losing their homes to foreclosure. You may also call the Homeowners Hope Hotline at 1-888-995-HOPE. This hotline is the only official hotline currently offering free foreclosure-prevention services to struggling homeowners.

    National

    New Sign Avoiding Foreclosure is a guide developed by the U.S. Department of Housing and Urban Development. This guide provides a step-by-step approach to help you avoid the foreclosure process and provides information on programs that can help you if you find yourself at risk of losing your home.

    New Sign Institute for Foreclosure Legal Assistance provides links to Legal Aid Societies that provide very low cost or free legal assistance to homeowners at risk of losing their homes.

    New Sign Making Home Affordable is a government-sponsored program that provides mortgage refinancing and loan modification programs to homeowners at risk of losing their homes. Via their website, homeowners can learn more about the options available and can complete a self-assessment to determine whether they might be eligible for a modification or a refinance under the program. The toll-free Homeowners Hope Hotline is also available by calling 1-888-995-HOPE.

    New Sign National Foreclosure Council provides personalized information and referral to homeowners at risk of foreclosure. Visit the Council's website and click on Resources to request referral to local organizations.

    New Sign U.S. Department of Housing and Urban Development has developed a directory of Foreclosure Avoidance Counseling Agencies. This directory provides contact information and links to local HUD approved Housing Counseling Agencies. All assistance provided by these agencies is offered free of charge.

    For more on the topic of Housing:

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    [Updated November 30, 2009]
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