Where to Get Help

Your biggest ally if you encounter difficulty paying your mortgage on time is often your lender. Don't wait – call them as soon as you know you are having problems. The HOPE National Helpline is open 24 hours and provides free assistance. Contact them at 888-995-HOPE.

Additional housing agencies that may be able to help you with confidential budget and debt counseling include:

• U.S. Department of Housing and Urban Development (HUD) at (800) 569-4287
• National Foundation for Credit Counseling
• NeighborWorks® America
• Mortgage Bankers Association's Foreclosure Prevention Resource Center
• National Council of LaRaza
• Asian Real Estate Association of America (AREAA)
• Association of Community Organizations for Reform Now (ACORN)