Who to contact for help

If you’re facing a financial hardship and having difficulty paying your mortgage, many resources are available to help you.

Rest assured, help is available

Unexpected financial setbacks can be challenging and intimidating, especially when your ability to pay your mortgage is at stake – or you’ve already fallen behind. Before you panic, it’s important to know you have options and many people available to help you, including:

Before you reach out for help, take the time to fully understand your financial situation and have your mortgage information readily available. Being well organized and prepared will help your loan servicer or housing counselor better understand your financial position and assess your eligibility for a workout option.

There should never be a fee from your mortgage company or HUD-certified housing counselor to obtain assistance about options to avoid foreclosure. Be wary of companies or individuals offering to help you for a fee and never send a mortgage payment to any company other than the one listed on your monthly mortgage statement. If you believe you’ve been the victim of a mortgage scam, call 1-888-995‐HOPE (4673) and report it immediately.

Options to stay in your home