Making the Call
What to expect
First and foremost, expect to speak with a respectful, non-judgmental counselor who wants to help you. After an introduction and an explanation of your counselor's role in the process, you'll be asked about the reason you called. When it comes to discussing finances revolving around foreclosure, complete honesty is the best policy. The more focused a picture we have of your financial situation, the better equipped we are to help you deal with it. After your counselor accurately restates your challenge, you'll lay out goals together, and you'll receive recommendations on how to accomplish those objectives.
What to have ready
Have a list of the major bills you pay every month at hand when you call. Chief among these should be your mortgage payment statement complete with your mortgage loan number. Having these close will help your counselor build an accurate assessment of your financial situation.
Things you should know
Homeowner's HOPE provides free counseling - we do not do refinancing, down payment assistance or provide loans. But we can connect you with local nonprofit resources that provide different kinds of assistance.
Although we have an excellent working relationship with many of the nation's largest mortgage companies, we cannot force a mortgage company to eliminate debt, forgive payments or dictate solutions.
We are here for you 24 hours a day, seven days a week. Most importantly, we want to help. Remember, the sooner you make the courageous decision to call us, the more we can do to help you right your financial ship.
