For Information on Tampa Bay CDC Foreclosure Prevention Workshop Click Here
FORECLOSURE PREVENTION
When it comes to foreclosure, you don’t have to face it alone.
A HUD Certified Housing Counselor can be your first line of defense in saving your home. Our Housing Counselors will work with you concerning your situation and help you decide what mortgage options are best for you.
If you have missed any mortgage payments, or are about to miss a payment, or if your loan already has been referred to an attorney for foreclosure, our Housing Counselor can help you assess your circumstances, identify your options and prepare you to talk with your mortgage company and – help is free!
As part of the session, your counselor will help you explore different ways of possibly resolving your mortgage situation. Their objective, like yours, is to find a way to help keep you in your home.
A housing counselor will:
- Explain what documents you will need to provide to your mortgage company and may be able to contact the mortgage company on your behalf
- Help you make a budget so that you can meet your monthly mortgage payment and other expenses
- Provide information about local resources that may be helpful to you
Get Started Now!
In Foreclosure Prevention every moment counts. The faster you reach out to us the faster we can begin to assist you in possibly saving your home from foreclosure.
The first step is to complete the application here on our website. After you complete the application you will be assigned to one of our HUD Certified Housing Counselors that will work with you. You can complete the application here:
Foreclosure and Prevention Form
Beware of Foreclosure Prevention Scams!*
Warning Signs That You May Be Dealing with A Mortgage Foreclosure Scam Operator
If the Company:
- Demands a fee in advance. No legitimate organization that works with borrowers to avoid foreclosure will ever ask for money up front.
- Makes unsolicited offers or “lofty” advertisements, claiming they can help save your home.
- Recommends you break off contact with the lender and any counselor that you may have been working with.
- Advises you to stop making mortgage payments.
- Tells you to send your mortgage payment to anyone other than your loan servicer.
- Instructs you to transfer ownership of your property.
- Makes verbal promises that aren’t put in writing.
- Asks you to sign a document that has blank lines or spaces.
*Information on loan scams from: https://www.fdic.gov/consumers/loans/prevention/rescue/images/foreclosurescam.pdf
EVICTION PREVENTION
Help May Be Available to Help with Eviction Prevention
Currently most communities have assistant funds available to help pay your rent if you have lost your income or had a reduction in income due to the COVID 19 pandemic.
In order to see if you qualify you need to first call “211”. By calling “211” they will be able to begin the process of seeing if you qualify.