With Pasadena foreclosures on the rise it is important to know what kind of resources you have to help you deal with foreclosures. Dealing with a foreclosure is not only financially difficult, but it is also emotionally draining. Knowing what resources are available to help you increase the chances of contacting somebody before things are too late.
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· HUD-Approved Housing Counselors: If you need somebody to talk to about your current situation or if you want advice on what you can do to prevent a Pasadena foreclosure a housing counselor is a great choice. Your best choice is to contact a counselor from the U.S. Department of Housing and Urban development (HUD) because not only are they trained, but they cannot charge you a fee for any service that they provide. To get a list of approved housing counselors visit the website at http://www,hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call their automated phone system at 1-800-569-4287.
· HOPE NOW: This group was formed by mortgage lenders, counselors and other concerned groups to provide homeowners with help to prevent foreclosure. To get free counseling on how to prevent Pasadena foreclosure call their toll free hotline at 1-800-995-HOPE or you can visit their website at http://www.hopenow.com/
· Making Home Affordable: This government program is strictly for people with government-backed loans, which can be Freddie Mac, Fannie Mae, or FHA-insured loans. The program provides these homeowners with loan modifications or government-subsidized refinances. With a Freddie Mac or Fannie Mae loan, homeowners can refinance up to 125% of the current value of the home with extremely low interest rates. The other program they offer is the Home Affordable Modification, which allows homeowners that qualify to modify their existing mortgages so they can have an affordable payment. To find out more about the programs offered visit their website at http://www.makinghomeaffordable.gov/
· Neighbor Works America: If you are looking for counseling on your various options this non-profit agency is a great place to go. The housing counseling agencies that are listed through this program are funded by the National Foreclosure Mitigation Counsel Program. For a complete list of agencies visit their website at http://www.nw.org/ or call 1-202-220-2300.
· Pasadena foreclosure Prevention Workshops: Not only can you attend a Foreclosure Prevention Workshop, but there are also several other seminars available to help you learn about preventing Pasadena foreclosure. Various community organizations put on these workshops to help teach homeowners about preventing foreclosure. To find out about any upcoming seminars all you need to do is visit http://www.freddiemac.com/avoidforeclsoure/workshops.html
· Office of the Comptroller of the Currency (OCC): This federal agency is in charge of all of the national banks so they have plenty of resources to help the average consumer. The resources provided through the OCC can also be used by community groups and banks to help teach homeowners about preventing foreclosure, avoiding foreclosure and debt elimination scams, as well as preserving homeownership. For more information call 1-800-613-6743 or visit their website at http://www.helpwithmybank.gov/
Dealing with the thought of Pasadena foreclosure is bad enough, but you don’t have to do it alone. Take a few minutes to visit a website or place a phone call to see what options are available to you. Housing counselors, community programs, and Pasadena Realtors can often inform you about the pros and cons of the options that you have to help you make the best decision possible.
Image via Wikipedia · HUD-Approved Housing Counselors: If you need somebody to talk to about your current situation or if you want advice on what you can do to prevent a Pasadena foreclosure a housing counselor is a great choice. Your best choice is to contact a counselor from the U.S. Department of Housing and Urban development (HUD) because not only are they trained, but they cannot charge you a fee for any service that they provide. To get a list of approved housing counselors visit the website at http://www,hud.gov/offices/hsg/sfh/hcc/hcs.cfm or call their automated phone system at 1-800-569-4287.
· HOPE NOW: This group was formed by mortgage lenders, counselors and other concerned groups to provide homeowners with help to prevent foreclosure. To get free counseling on how to prevent Pasadena foreclosure call their toll free hotline at 1-800-995-HOPE or you can visit their website at http://www.hopenow.com/
· Making Home Affordable: This government program is strictly for people with government-backed loans, which can be Freddie Mac, Fannie Mae, or FHA-insured loans. The program provides these homeowners with loan modifications or government-subsidized refinances. With a Freddie Mac or Fannie Mae loan, homeowners can refinance up to 125% of the current value of the home with extremely low interest rates. The other program they offer is the Home Affordable Modification, which allows homeowners that qualify to modify their existing mortgages so they can have an affordable payment. To find out more about the programs offered visit their website at http://www.makinghomeaffordable.gov/
· Neighbor Works America: If you are looking for counseling on your various options this non-profit agency is a great place to go. The housing counseling agencies that are listed through this program are funded by the National Foreclosure Mitigation Counsel Program. For a complete list of agencies visit their website at http://www.nw.org/ or call 1-202-220-2300.
· Pasadena foreclosure Prevention Workshops: Not only can you attend a Foreclosure Prevention Workshop, but there are also several other seminars available to help you learn about preventing Pasadena foreclosure. Various community organizations put on these workshops to help teach homeowners about preventing foreclosure. To find out about any upcoming seminars all you need to do is visit http://www.freddiemac.com/avoidforeclsoure/workshops.html
· Office of the Comptroller of the Currency (OCC): This federal agency is in charge of all of the national banks so they have plenty of resources to help the average consumer. The resources provided through the OCC can also be used by community groups and banks to help teach homeowners about preventing foreclosure, avoiding foreclosure and debt elimination scams, as well as preserving homeownership. For more information call 1-800-613-6743 or visit their website at http://www.helpwithmybank.gov/
Dealing with the thought of Pasadena foreclosure is bad enough, but you don’t have to do it alone. Take a few minutes to visit a website or place a phone call to see what options are available to you. Housing counselors, community programs, and Pasadena Realtors can often inform you about the pros and cons of the options that you have to help you make the best decision possible.
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