Steps for Homeowners

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• 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.