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HOMEOWNERS - YOU DO NOT NEED TO PAY FOR FORECLOSURE INTERVENTION OR PREVENTION ASSISTANCE

U.S. DEPT. OF HOUSING AND URBAN DEVELOPMENT HOUSING COUNSELORS ARE FEDERALLY REGULATED AND THEIR SERVICES ARE FREE.
 


The Texas Foreclosure Prevention Task Force is a statewide network of individuals and organizations working collaboratively to avert home mortgage foreclosures and the impact of foreclosure on Texas families and communities. 

Are you facing foreclosure?

The Texas Foreclosure Prevention Task Force can help you locate local assistance.

 We recommend homeowners in need of foreclosure prevention and intervention counseling assistance utilize a federally regulated organization. These local non-profit organizations offer FREE foreclosure counseling in addition to other housing related services.

There are numerous ways for you to connect with these agencies – you can e-mail, phone or make an appointment to sit down with a counselor who is specially trained in foreclosure prevention.

Furthermore, the Task Force endorses all HUD-approved housing counseling providers in Texas.

For a complete listing or to locate providers in your area please call HUD’s Housing Counseling Hotline at
800-569-4287 or go to

http://www.hud.gov/offices/hsg/sfh/hcc/fc/

Call 1-888-995-HOPE


WHETHER YOU ARE IN FORECLOSURE or worried about it in the future, information is available to help you at http://www.hud.gov/foreclosure/

HELP FOR HOMEOWNERS FACING THE LOSS OF THEIR HOME 
For the majority of families, a home is the most significant investment made, and a source of pride.  The loss of a home due to unexpected events such as unemployment, change in income, divorce or illness can be financially and personally devastating.  If your family is facing any of these changes and cannot pay the bills, now is the time to look closely at what you owe and what you earn, eliminating unnecessary spending and reaching
out for help if you still cannot meet your financial obligations.  Taking action can help you protect your family from the loss of your home. 

Steps to Take When You May Be Unable to Pay Your Mortgage

Contact Your Lender NOW!
Talk to a Housing Counseling Agency
Prioritize Your Debts
Explore Loan Workout Solutions
Are You Eligible for Disaster Relief/Military Options?
Beware of Predatory Lending Schemes
Try Other Resources


Credit Counselors
 

CALL NOW

1.888.995 HOPE (4673)
free and available at your convenience

The Hope Now counselors are certified by the U.S. Department
of Housing and Urban Development (HUD) and their services are
free of charge.  These counselors will listen to your situation,
identify your options and assist you in working with your servicer
to avoid foreclosure.  To find a HUD certified counselor in your area, visit HUD and click on your state under "local information". 

FHA Secure:  This is a new refinancing option which gives credit-worthy (not necessarily good credit) homeowners, who were making timely mortgage payments before their loans reset, but are now in default, a second change with an FHA insured loan product. 
For more information:  http://www.homemortgagematch.com/

 

FHA loansRefinance today with an FHA loan you can afford:  http://www.fha.com/

 


Frequently Asked Questions About Foreclosure

DON'T DELAY.  Time is of the essence.  Do not wait until you
are several payments past due before seeking help.  Statistics
show that those who seek help before they are 90 days past due
on a mortgage payment have a 75% chance of saving their home. 

If you feel like you may be in danger of facing foreclosure, a solution may be found by calling 888-995-HOPE.  The Homeowner's Hope Hotline provides counseling services that can guide you through the process of saving your home. 
HOPE NOW
Remember, you are not alone.  Millions of people across
the United States are having trouble with their mortgage.  Get help now!  Call 888-995-Hope or go to Hope Now.


LEARN ABOUT THE MAKING HOME AFFORDABLE REFINANCE AND MODIFICATIONS OPTIONS 

This plan was created to help homeowners refinance or modify their mortgages.  Help may be available for you.  Learn about the Making Home Affordable Refinance and Modification Options.

 


 

For borrowers who do not know the identity of their mortgage lender, Fannie Mae has a tool that assist you in identifying if Fannie Mae is the investor on your loan.  For additional details on the Loan Lookup Tool.
 


Worried about foreclosure?                                              
Learn what Freddie Mac is doing to assist homeowners.

 


[Photo: Avoid Foreclosure]The U.S. Department of Housing and Urban Development's
Guide to Avoiding Foreclosure

Keep your home:  Get help now!

 

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