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Steps for Homeowners

  • Stay in your home for as long as possible the mortgage company nor the surrounding community want you to have an abandoned home.
  • Respond to the court in the 28 day period. Failure to respond could speed up the process.
  • Contact your mortgage company's loss mitigation department.
  • Document all correspondence including verbal.
  • Meet with a HUD Approved Housing Counseling Agency.
  • If lender refuses payments, keep the money in a separate account and don't use it to pay other bills. It will give you power to show your ability to pay at some point in the workout process.