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How to use these resources
Start with the Consumer Financial Protection Bureau for an overview of the foreclosure process and loss mitigation. Use HUD to locate a participating housing counselor. If your loan is FHA-insured, use HUD's FHA-specific program page. Keep in mind that state law controls many foreclosure procedures and deadlines.
- Confirm that the web address ends in .gov before sharing information.
- Call your servicer using the number on your mortgage statement.
- Write down the date and outcome of every call.
- Use a licensed attorney for state-specific legal advice.
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Watch for foreclosure rescue scams
Government agencies warn homeowners about anyone who promises to stop foreclosure, asks for the mortgage payment to be sent somewhere new, pressures a title transfer, or demands large fees for help that may be available through the servicer or a HUD-approved counselor.
- Never sign a document you do not understand.
- Do not transfer ownership to qualify for supposed help.
- Do not believe a guaranteed modification claim.
- Verify the identity of anyone requesting financial documents.
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Official resources to search directly
To keep you on Foreclosure Leader, these names are provided without outgoing links. Type the agency name into your browser or call the agency using a verified number.
CFPB: How to avoid foreclosureFederal consumer guidance on applying for help and avoiding scams.
HUD: Avoiding ForeclosureHUD's foreclosure-prevention checklist and official contacts.
HUD: Find a Housing CounselorLocate HUD-participating housing counseling agencies.
HUD: FHA Loss MitigationCurrent assistance options for FHA-insured mortgages.
CFPB: Mortgage key termsPlain-language definitions for modifications, forbearance, and loss mitigation.