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Important consumer disclosure: Foreclosure Leader is not associated with the government, and our service is not approved by the government or your lender. Even if you accept this offer and use our service, your lender may not agree to change your loan.

Trusted homeowner resources

Official foreclosure and mortgage-help resources

Good decisions start with reliable information. These federal resources explain foreclosure-prevention basics, mortgage-servicing protections, and ways to find independent housing counseling. Foreclosure Leader is not affiliated with these agencies.

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How to use these resources

Start with the Consumer Financial Protection Bureau for an overview of the foreclosure process and loss mitigation. Use HUD to locate a participating housing counselor. If your loan is FHA-insured, use HUD's FHA-specific program page. Keep in mind that state law controls many foreclosure procedures and deadlines.

  • Confirm that the web address ends in .gov before sharing information.
  • Call your servicer using the number on your mortgage statement.
  • Write down the date and outcome of every call.
  • Use a licensed attorney for state-specific legal advice.

Watch for foreclosure rescue scams

Government agencies warn homeowners about anyone who promises to stop foreclosure, asks for the mortgage payment to be sent somewhere new, pressures a title transfer, or demands large fees for help that may be available through the servicer or a HUD-approved counselor.

  • Never sign a document you do not understand.
  • Do not transfer ownership to qualify for supposed help.
  • Do not believe a guaranteed modification claim.
  • Verify the identity of anyone requesting financial documents.

Official resources

CFPB: How to avoid foreclosureFederal consumer guidance on applying for help and avoiding scams.HUD: Avoiding ForeclosureHUD's foreclosure-prevention checklist and official contacts.HUD: Find a Housing CounselorLocate HUD-participating housing counseling agencies.HUD: FHA Loss MitigationCurrent assistance options for FHA-insured mortgages.CFPB: Mortgage key termsPlain-language definitions for modifications, forbearance, and loss mitigation.

Talk through your situation

Do not wait for the next notice.

A short conversation can help you organize the questions to take to your mortgage servicer.

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Need help?+1 (800) 961-5292