you sign up for this or that. The last thing you need if you're concerned about the foreclosure process is to be bogged down by un-helpful information. So, here it is the links you need. All of the links below are government or nation agencies that are designed to help. I haven't personally spoken with the folks on the other end of the line so I can't verify the service or of course the outcome, but hopefully it will be a good start.
The Department of Housing and Urban Development (HUD)
- Guide to Avoiding Foreclosure. Information includes local counseling services, refinance information, and details on the foreclosure process.
- HUD Approved Counseling Agencies in Oregon (this link will take you to the local agency in Bend, Oregon)
Making Home Affordable
- Making Home Affordable is a government program implemented by the Obama administration designed to assist homeowners who have loans backed by Freddie Mac or Fannie Mae refinance in order to say in their homes. The website will assist you in determining if you qualify for the program as well.
- Avoiding Foreclosure. Includes detailed information on counseling agencies, talking to your lender and basic terms.
- Working with your Lender has a list of questions to ask as well as documents to have available when discussing foreclosure with your bank representative.
Mortgage Bankers Association
- Foreclosure Prevention Resource Center. Information on the foreclosure process and what steps can be taken to avoid foreclosure.
- The Lender Contact page has phone numbers and websites to contact your lender directly regarding difficulty in making payments. The majority of the Big Name banks are listed here.
Internal Revenue Service
- For tax information on home foreclosure and debt cancellation view the IRS website although you may need a qualified accountant to help make sense of the details and jargon.