Need help with a problem related to your mortgage and your mortgage company but don't know where to start. We have assembled many resources to assistance you. If you are facing a difficult situation with your mortgage and foreclosure consider the new programs surrounding loan modifications instituted by the Obama Loan Modification Plan. Also, if you have faced an upside down mortgage and been unable to refinance read about the Fannie Mae Making Home Affordable Refinancing Program.
Government Agency Housing Resources to Assist With Your Mortgage
* Contact Your Local Senator
Contact List U.S. Senate Website. Find Your Local U.S. Senator to get their contact information. You can also send your Senator an email from this website.
* HUD Resource About The Real Estate Settlement Procedures Act and how to File A Complaint About Your Mortgage Servicing Company
Learn more about the Real Estate Settlement Procedures Act - RESPA - which is a consumer protection statute passed by Congress in 1974 to help consumers become better shoppers for settlement services and to eliminate kickbacks and referral fees paid to someone merely for the referral of business where no real value is provided. RESPA was designed to decrease the amount of unnecessary costs of certain settlement services.
* FTC Guide To Regulating Your Mortgage Payment Servicing Company
You may or may not pay your mortgage company directly - instead you may pay a servicing company. The FTC spells out the rules that your servicing company, or any company that holds an escrow account for the purposes of paying your real estate taxes etc. on your behalf, must abide by.
* HUD Approved Non Profit Housing Counseling Agencies
Find HUD approved Housing Counseling Agencies in just about any location in the U.S. These agencies can help you with issues such as advice on buying a home, renting an apartment or a home, defaulting on your mortgage, foreclosure proceedings against your home, credit problems, and HECM mortgages - reverse mortgage.
* HUD Booklet On Avoiding Foreclosure On Your Home
This HUD home owner booklet covers what happens, what alternatives and options you have as a home owner if you miss some mortgage payments.
* HUD Housing - How To Avoid Foreclosure and other Housing Resources
The HUD Guide to Avoiding Foreclosure - Get access to foreclosure avoidance counselors, links to state and local foreclosure resources, HOPE NOW and HOPE for Homeowners as well as many other resources designed to help you avoid foreclosure and keep your home.
* HUD Housing - Title Insurance Questions and Answers
Learn all that you will ever need to know about Escrow Accounts through this HUD resource that summarizes RESPA's regulations about Escrow Accounts.
* US Dept Of Justice - Suspicious Email and Other Types Fraud - File A Complaint
Have you ever wondered where to turn for help when you have gotten a suspicious email or you think you have been a victim of fraud - The U.S. Department of Justice tells you exactly how to file a complaint for many instances of fraud.
* US Dept Of Justice - Bankruptcy DOJ Approved Credit Counseling Agencies
If you are going to be file bankruptcy you are required to contact a U.S. Bankruptcy Court approved Credit Counseling Agency for counseling and classes prior to having your bankruptcy accepted. Do not wait to do this as it can delay your bankruptcy filing.
* US Dept Of Justice - Bankruptcy Credit Counseling And Debtor Education Information
You will need to contact a Debtor Education Agency in order to have your bankruptcy filing be discharged. Make sure you get this done in a timely fashion.
* FTC And Credit Repair : Do It Yourself Credit Repair Information
Learn about Credit Repair Scams and How To Do Your Own Credit Repair from the U.S. FTC (Federal Trade Commission)
* FTC Warning : Beware of Foreclosure Rescue Scams
Unfortunately, losing your home to a legitimate foreclosure is bad enough, but to a foreclosure scam artists can be even more devastating. Learn how to spot foreclosure scams from the FTC to protect yourself as you try to save your home.
* FTC Guide To Dealing With a Potential Foreclosure
Learn your options to prevent foreclosure from the FTC if you have gotten behind on your mortgage payments.
* IRS Information On Home Foreclosure And Cancellation of Debt
If you have lost your home to a foreclosure the IRS has provided and in-depth guide to the tax implications on your tax return. You may be surprised on your options for not owing taxes on your forgiven debt.
* IRS - Tax Relief For Many Foreclosed Homeowners
Further information from the IRS on the tax consequences from mortgage workouts and foreclosures.
