HOME can help those who have fallen behind on their mortgage. It may not be too late to avoid foreclosure.
People fall behind on their mortgages for a variety of reasons. HOME's experienced HUD-certified housing counselors will work with you and your lender to try to keep you from losing your home. HOME will help you analyze the problem and identify your options. If possible, we'll help you negotiate a plan with your lender that will result in bringing and keeping your mortgage current. If that's not possible, we'll help you figure out what to do next so that you are in the best position to buy another home when your situation changes. HOME works with lenders throughout the country, most of whom rely on HOME’s recommendation if you are willing to do what is necessary to bring your loan current.
If you are currently behind on your mortgage or expect to have problems paying your mortgage and would like a HUD-certified housing counselor to assess your situation and recommend options, download our intake forms to expedite our help to you or refer to HOME’s Tips to Help if You Are Falling Behind on Your Mortgage.
If you do not have access to a printer to print the forms, you can call or email Housing Opportunities Made Equal's foreclosure prevention team to have the information mailed to you at 804.354.0641 (press 2 then press 4) or firstname.lastname@example.org
For more help, click here for more information from HUD.
You can also download How to Help Yourself Avoid Foreclosure Self Help Kit or HOME's brochure on Avoiding Foreclosure
You can also learn about the Government's Making Home Affordable options.
Make sure you don't make a bad situation worse by letting someone take advantage of you and ALWAYS read and understand everything you sign.
- There is never a fee to get assistance or information about Making Home Affordable from your lender or a HUD-approved housing counselor.
- Beware of any person or organization that asks you to pay a fee in exchange for housing counseling services or modification of a delinquent loan. Do not pay – walk away!
- Beware of anyone who says they can “save” your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
- Never make your mortgage payments to anyone other than your mortgage company without their approval.
If you suspect that someone may be trying to take advantage of you because you are facing foreclosure, call HOME at 804.354.0641 before you sign anything or pay any money!
Housing Opportunities Made Equal of Virginia, Inc. (HOME) is Virginia’s premier fair housing and housing counseling organization, offering a variety of programs and services designed to ensure equal access to housing for all Virginians. HOME is a 501(c)(3) nonprofit corporation and a HUD‐approved housing counseling agency and does not charge a fee for its consumer services. We are here to help.