1. Helping Americans

1. Avoiding Foreclosure
   
   Avoiding Foreclosure
   
   On This Page
   
   Are You At Risk of Foreclosure?
   Tips for Avoiding Foreclosure
   When a Lender Won't Work with You
   Related Information
   
   Talk with a HUD-Approved Housing Counseling Agency
   FHA Loss Mitigation Services
   There are a variety of programs to assist homeowners who are at threat of foreclosure and otherwise having problem with their monthly mortgage payments. Please continue checking out for a summary of resources readily available.
   
   Please read FHA's brochure, "Save Your Home: Tips to Avoid Foreclosure," likewise published in Spanish, Chinese and Vietnamese.
   
   Contact Your Lender
   
   If you are experiencing difficulties making your mortgage payments, you are encouraged to contact your lender or loan servicer straight to ask about foreclosure prevention options that are offered. If you are experiencing problem interacting with your mortgage lending institution or servicer about your requirement for mortgage relief, there are organizations that can help by calling lenders and servicers on your behalf.
   
   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 aggressively 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 informative resources to assist FHA-insured property owners and home equity conversion mortgage (HECM) customers facing monetary hardship 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
   
   are available to help answer your questions and assist you to better understand your options as an FHA customer under these loss mitigation programs. There are a number of methods you can get in touch with FHA for additional information, consisting of:
   
   - 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 threat of foreclosure and losing your home? Foreclosure does not happen overnight
   
   Have you missed your home payment?
   
   Look for a HUD-approved housing counselor, or.
   - Call toll complimentary (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, however afraid you might?
   
   Has your financial circumstance changed due to a mortgage payment boost, loss of task, divorce, medical expenditures, boost in taxes or other reasons?
   
   - Is your credit card debt becoming unmanageable?
   - Are you using your credit cards to purchase groceries?
   - Is it becoming challenging to pay all your month-to-month costs on time?
   If it's becoming harder to make your house payment each month:
   
   Contact a HUD-approved Housing Counselor, or.
   - Call toll complimentary (800) 569-4287 to find a housing therapist near you.
   - Read our Tips for Avoiding Foreclosure.
   Few people believe they will lose their home