While Google searching for foreclosure resources in Bend, Redmond or anywhere I've come across tons of sites that say they'll help if 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 national agencies that are here to help you, the home owner. I haven't personally spoken with the folks on the other end of the line so I can't verify the level or ease of service or the outcome, but hopefully it gives you a place to 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 list of local agencies in Central 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 their mortgages in order to say in their homes. The website will assist you in determining if you qualify for the program as well.
Freddie Mac
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. Also, remember to talk with the Loss Mitigation Department not Customer Service.
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.
If you're a Bend, Oregon home owner looking to stall the foreclosure process hopefully these links will provide you with the assistance you need.
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