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Foreclosure Prevention Tool Kit
This page provides quick access to several resources to help homeowners, community stakeholders, and the banking industry help prevent unnecessary foreclosures and stop foreclosure “rescue” scams that promise false hope to consumers at risk of losing their homes.
If you are having difficulty making your mortgage payments, one of the most important things you can do is be proactive. Review the terms and conditions of your mortgage, learn about the foreclosure process for residents in your state and what may lead up to it, and find out more about the resources on a local, state and national level available to assist you in working with your lender and your finances.
In the contract you signed when your mortgage lender loaned you money to buy your house, you agreed that if you can’t repay the loan, the lender can foreclose to take ownership of the house.
If you do not pay your monthly mortgage payment, you are technically in default on your mortgage. State laws vary, but generally, a loan that is as little as 90 days delinquent can be considered in foreclosure.
Your lender may send you a notice indicating that they are starting foreclosure proceedings, but don't wait; take steps to prevent a foreclosure as soon as you realize you are having trouble paying the mortgage.
These links provide concise general information and advice.
Foreclosure Counseling Resources
If you are in foreclosure trouble or may be in the future, call or visit a homeowner or foreclosure counselor.
Loan Modification and Refinance Programs
Foreclosure Rescue Scams
FDIC Consumer News Articles
Other information you may find helpful can be found at the following website links.
Military Personnel Mortgage Payment Relief and Protection
Foreclosure Provisions of the Servicemembers Civil Relief Act (www.hud.gov)
Informational Websites, Tools, and Tips
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