If you need help with foreclosure, the first thing to do is to talk with a HUD housing counselor. Go to the HUD website and use the drop down menu to locate the HUD-approved counseling agency nearest you. You can also call 1-888-995-4673 to locate an agency. This service is free to homeowners, so it is definitely worth a try.
Before you meet with a counselor, pull together the following information and bring it to your meeting:
If a housing counselor is unable to help you, or if your attempts to come up with a foreclosure solution with your lender are not working, you may need to get help with foreclosure from a foreclosure attorney.
FHA Loan Foreclosure Help
If you have an FHA loan, your lender must follow FHA servicing guidelines and regulations for FHA-insured loans to help you avoid foreclosure. If you don’t believe your lender is willing to work with you, contact FHA's National Servicing Center toll free at (888) 297-8685. Before you call, have the following information handy: the full name(s) of all persons listed on the mortgage loan, full address for your property including city, state and zip. By the way, if you can provide your 13-digit FHA case number when you contact the Center, you may get faster assistance. You can find that number on your loan settlement statement,
VA Loan Foreclosure Help
If you have a VA loan, contact the Department of Veteran’s Affairs for help with options for avoiding foreclosure on that loan, Go to the VA foreclosure help website.
Union Members Foreclosure Help
If you are a member of a labor union and need foreclosure help, contact the Save My Home Hotline at 1-866-490-5361, where you will be connected with a housing counselor. As a union member you may be eligible for additional benefits that can help you keep your home.