1. Helping Americans

1. Avoiding Foreclosure
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   Avoiding Foreclosure
   
   On This Page
   
   Are You At Risk of Foreclosure?
   Tips for Avoiding Foreclosure
   When a Loan Provider Won't Deal With You
   Related Information
   
   Speak to a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a variety of programs to help property owners who are at risk of foreclosure and otherwise fighting with their monthly mortgage payments. Please continue checking out for a summary of resources available.
   
   Please read FHA's brochure, "Save Your Home: Tips to Avoid Foreclosure," also published in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing problems making your mortgage payments, you are motivated to call your lending institution or loan servicer directly to ask about foreclosure prevention options that are available. If you are experiencing difficulty interacting with your mortgage lending institution or servicer about your requirement for mortgage relief, there are organizations that can assist by contacting lenders and servicers on your behalf.
   
   Assistance for FHA-Insured Homeowners
   
   The Federal Housing Administration (FHA), which belongs 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 various loss mitigation programs and informational resources to help FHA-insured house owners and home equity conversion mortgage (HECM) customers facing financial difficulty or joblessness and whose mortgage is either in default or at risk 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 staff are offered to assist answer your questions and help you to much better comprehend your alternatives as an FHA customer under these loss mitigation programs. There are numerous ways you can call 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 risk of foreclosure and losing your home? Foreclosure does not happen over night
   
   Have you missed your home payment?
   
   Search for a HUD-approved housing counselor, or.
   - Call toll free (800) 569-4287 to discover a housing counselor near you, or.
   - Call the Homeowners Hope Hotline at (888) 995-HOPE.
   Haven't missed out on a house payment yet, however afraid you might?
   
   Has your monetary scenario altered due to a mortgage payment boost, loss of job, divorce, medical expenditures, boost in taxes or other reasons?
   
   - Is your credit card financial obligation ending up being uncontrollable?
   - Are you using your charge card to buy groceries?
   - Is it ending up being challenging to pay all your regular monthly expenses on time?
   If it's ending up being harder to make your house payment every 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 believe they will lose their home