Dear Homeowner,

It is my hope and prayer that you find relief in your quest for a loan modification. Please know that your servicer is there to help you and also beaware of unsavory people who would like to take advantage of you in your  time of need.

Never pay anyone or any company a fee to help with your loan modification. HUD approved counselors are there to help you. It is my wish to keep you in your home, but also know that there are times when you may have to pick up and move foward and some battles are won by changing directions.

You just never know what life may have in store for you down the road. I wish you the best in what ever road life may take you on. Just know my services are here if you need me.

Programs

1. Beware of anyone who asks you to pay a fee in exchange for a counseling service or modification of a delinquent loan.
2. Scam artists often target homeowners who are struggling to meet their mortgage commitment or anxious to sell their homes. Recognize and avoid common scams.
3. Beware of people who pressure you to sign papers immediately, or who try to convince you that they can “save” your home if you sign or transfer over the deed to your house.
4. 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.
5. Never make a mortgage payment to anyone other than your mortgage company without their appr

Never pay any person or company that tells you they will help you with your loan modification. Call the number below to find HUD approved counselors ready to help you!

 
You can also call 1-888-995-HOPE (4673) to speak to an expert advisor immediately, 24 hours a day, 7 days a week, 365 days a year, in over 170 languages. They answer 98% of their calls within 30 seconds. This valuable, around-the-clock service is available completely free.
 
Before you call
Use the checklist below to make sure that you have all of the information you need to work with a HUD-approved housing counselor.  These documents are helpful to make sure that you have all of the information you need to correctly fill out your paperwork and make a budget.
 
Checklist

• Information about your first mortgage, such as your monthly mortgage statement.
• Information about any second mortgage or home equity line of credit on the house.
• Account balances and minimum monthly payments due on all of your credit cards.
• Account balances and monthly payments on all your other debts such as student loans and car loans.
• Your most recent income tax return.
• Information about your savings and other assets
• Information about the monthly gross (before tax) income of your household, including recent pay stubs if you receive them or documentation of income you receive from other sources.
• It may also be helpful to have:  A letter describing any circumstances that caused your income to be reduced or expenses to be increased (job loss, divorce, illness, etc.) if applicable

Who owns your loan?..most banks only service the loan..Check to see if Fannie or Freddie owns the loan..The more you know and understand the better you will be able to understand on how they servicer may be able to help you.

Look Up Your Loan