HUD-approved
housing specialists provide homeowners with expert and personalized
help with their mortgage issues for free. For more information, call a
Nonprofit at (800) 254-4100 or contact the U.S. Department of Housing and Urban Development at Telephone: (202) 708-1112
Foreclosure Intervention and Default Counseling
If you’re a homeowner facing the threat of foreclosure or simply looking to explore your options in this complicated process, contact a member of a certified housing counseling staff today. Consumer Credit Counseling will conduct a thorough assessment of your circumstances, show you how to prepare required documentation, negotiate with your lender when appropriate, and help you create a plan of action that suits your needs. Consumer Credit Counseling has housing counselors that are committed to providing you with the information you need to make the best choices for you and your family when your home is at risk.
Stop living in fear of losing your home If you are having financial difficulties - due to a job loss, a higher mortgage payment, or any other reason - you are not alone. The economic crisis has made it hard for many responsible homeowners to make ends meet. The good news is that many people who were finding it difficult to make their mortgage payment have been able to save their home, and you can too. You could lose your home if you ignore the problem and do nothing. Get in touch with a counselor and your servicer (the company to whom you send your monthly mortgage payment) today. Your Servicer Wants to Help Your servicer wants to help you keep your home. Many servicers implemented new loan modification programs in 2009 to assist homeowners experiencing financial difficulties by lowering their monthly mortgage payments. Plus, many servicers are participating in the government’s Making Home Affordable Program and are working with non-profit counseling agencies through HOPE NOW. Contact Your Servicer Today Many servicers have recently added new mortgage modification programs for home loans. Call your servicer even if your request has been turned down before, as you might qualify under a new program. Be patient and persistent if you don’t reach your servicer on the first try, as other homeowners are seeking help as well. If you don’t know who services your loan or how to contact them, check your mortgage statement or look on-line at HopeNOW.com
Apply for a Loan Modification In a mortgage loan modification, you and your servicer agree to permanently change one or more of the mortgage’s terms to make the payments more manageable for you. The changes could include reducing the interest rate, extending the term of the loan, forbear-ing (interest free) or forgiving principal, or a combination of these factors.
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Consumer Credit Counseling Information, Debt Management Plan Information, Debt Settlement Plan information, Credit Counseling, Credit Score, Consumer Credit Counseling Service, CCCS, Bill Consolidation, Credit Repair, and Debt Consolidation is not advice, and we recommend you consult a licensed credit counseling agency, debt settlement attorney, and/or licensed debt management plan administrator in your state if you want professional assurance that our information, and your interpretation of it, is appropriate to your particular situation.
