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Reaching out for help is never as easy as it should be. If you're worried about your ability to make mortgage payments and stay in your home, however, it's important to get help as soon as possible.
Foreclosure counseling is a free service, available to anyone struggling with their mortgage. We realize it’s a big step to take, and uncertainty can make the process seem daunting. So in order to help you better understand the housing counseling process, the following is a rundown of what you can expect from a session with one of MMI’s HUD-certified housing counselors:
If you are already in foreclosure, the most important thing you can do is stay in contact with your lender and seek help as soon as possible. While the foreclosure process varies by state, there a number of options that may allow you to slow or suspend the foreclosure activity — all of which your counselor can explain to you in detail.
The National Council of Higher Education Resources (NCHER) is the nation’s oldest and largest higher education finance trade association. NCHER’s membership includes state, nonprofit, and for-profit higher education service organizations, including lenders, servicers, guaranty agencies, collection agencies, financial literacy providers, and schools, interested and involved in increasing college access and success. It assists its members in shaping policies governing federal and private student loan and state grant programs on behalf of students, parents, borrowers, and families.
Since 2007, the Homeownership Preservation Foundation (HPF) has served as a trusted, neutral source of information for more than eight million homeowners. They are partnered with, and endorsed by, numerous major government agencies, including the U.S. Department of Housing and Urban Development and the Department of the Treasury.
The mission of the U.S. Department of Housing and Urban Development (HUD) is to create strong, sustainable, inclusive communities and quality affordable homes for all. HUD works to strengthen the housing market in order to bolster the economy and protect consumers; meet the need for quality affordable rental homes; utilize housing as a platform for improving quality of life; and build inclusive and sustainable communities free from discrimination.
The Council on Accreditation (COA) is an international, independent, nonprofit, human service accrediting organization. Their mission is to partner with human service organizations worldwide to improve service delivery outcomes by developing, applying, and promoting accreditation standards.
The National Foundation for Credit Counseling® (NFCC®), founded in 1951, is the nation’s largest and longest-serving nonprofit financial counseling organization. The NFCC’s mission is to promote the national agenda for financially responsible behavior, and build capacity for its members to deliver the highest-quality financial education and counseling services.