Texas Free Legal Forms, Law, Pro Bono Help Finder, and Resources

Progams to HELP YOU avoid foreclosure

Authored By: Federal Government, etc.
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Information

Avoiding Foreclosure: Assistance Programs that Can Help

 

Making Homes Affordable

Making Home Affordable (MHA) is designed to help you get mortgage help and avoid foreclosure. There is real help available. Get started today.

CLICK HERE FOR MORE INFORMATION ON the MAKING HOMES AFFORDABLE PROGRAM

 

HOPE Hotline

The Homeownership Preservation Foundation (HPF) envisions a nation where everyone has a place to call home and the ability to achieve their financial dreams. HPF is an independent national nonprofit dedicated to guiding consumers onto the path of sustainable homeownership and improving their overall financial health. Through its Homeowner’s HOPE™ Hotline, 888-995-HOPE™, HPF provides comprehensive financial education and confidential foreclosure prevention counseling for FREE, 24 hours a day, 7 days a week, 365 days a year, in over 170 languages. Since 2004, HPF has served more than 8 million distressed homeowners who depend upon HPF to be a trusted, neutral source of information and assistance.
 

CLICK HERE FOR MORE INFORMATION on the HOPE HOTLINE

 

Housing Counselors - A GREAT resource to help you

 

From Their Website:

Want advice on buying a home, renting, default, foreclosure avoidance, credit issues or reverse mortgages? HUD sponsors housing counseling agencies throughout the country to provide free or low cost advice. Search online for a housing counseling agency near you, or call HUD's interactive voice system at: (800) 569-4287.

If you are facing foreclosure and want the assistance of a housing counselor, search the list of Foreclosure Avoidance Counselors or visit the Making Home Affordable program Q for Borrowers.

If you would like to talk to a reverse mortgage counselor, please search here

Consumer Fees for Housing Counseling 

Foreclosure prevention counseling and homeless counseling services are available free of charge through HUD's Housing Counseling Program. Housing Counseling agencies participating in HUD's Housing Counseling Program are not permitted to charge consumers for these specific housing counseling services. Counseling recipients should not pay for these services. However, housing counseling agencies are permitted to charge reasonable and customary fees for other forms of housing counseling and education services, including pre-purchase, reverse mortgage, rental, and non-delinquency post-purchase counseling services, provided certain conditions are met:

  • Agencies must provide counseling without charge to persons who demonstrate they cannot afford the fees;
  • Agencies must inform clients of the fee structure in advance of providing services;
  • Fees must be commensurate with the level of services provided.

If you encounter housing counseling agencies that you believe are not complying with these requirements, you should contact HUD's Office of Housing Counseling.

 

CLICK HERE TO FIND INFORMATION ON APPROVED HOUSING COUNSELORS IN YOUR AREA

 

Last Review and Update: Nov 09, 2015