Steps for Homeowners

• Stay in your home for as long as possible. Neither the mortgage company nor the surrounding community wants you to have an abandoned home.
• Respond to the court within 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 your 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.