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Housing Counseling
- Pre-Purchase Counseling
- First-Time Homeownership
- Post-Purchase Counseling
- Reverse Mortgage Counseling
- Delinquency Counseling
- ACT91/HEMAP Counseling
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Counseling & Education
Delinquency Counseling
The goal of delinquency counseling is to review your current situation and bring you current on your mortgage and if not, provide the best possible options. In a default and delinquency session, you and your counselor will:
- Obtain a clear understanding of your objectives
- Determine the time frame available to accomplish your objectives
- Complete a current budget analysis and work with you to establish a realistic budget
- Help bring your mortgage current if only budget concessions are necessary
- Determine the reason for default
- Work on a hardship letter (when applicable)
- Determine if your financial situation may change in the near future
- Determine ability and willingness to liquidate assets if available to help cure your mortgage default
- Discuss options and what is best for you
- Create a detailed case action plan
Call 800-989-2227 to schedule an appointment. Delinquency counseling is only offered in-person at one of our ten convenient locations. This one-on-one counseling service is available in English, Spanish, Chinese, Russian and Turkish.