Helpful Resources
Housing & Foreclosure Counseling
Know Your Options by Fannie Mae
Avoid foreclosure and get the help you need.
Mortgage Delinquency – a Borrowers Guide
Operation Hope, Inc.
A free counseling service over the phone: 888-995-4673
Cleapoint Financial Solutions, Inc.
A free counseling service over the phone: 800-750-2227
Contact Your Lender
You can contact your lender and ask them to send you their specific "loan modification packet" that they want you to fill out and submit if you are interested in modifying your loan payment.
Prevent Loan Scams
This website was launched to serve as a nationwide clearinghouse for loan modification scam information on complaints filed, laws and regulations, and enforcement actions. In addition to the online complaint form that will enter data directly into the Network's Database, the website provides homeowners with state-by-state information about the rules, regulations and resources available to them, information on how to avoid a scam, and news and information on enforcement efforts.
Credit & Budget Counseling
Free Annual Credit Report
Request a free annual credit report from each of the nationwide consumer credit reporting companies: Equifax, Experian and TransUnion
Free FICO Score
Request your FICO score, which is a number that is formulated based on your credit history helping lenders evaluate your credit risk.
Prevent Loan Scams
This website was launched to serve as a nationwide clearinghouse for loan modification scam information on complaints filed, laws and regulations, and enforcement actions. In addition to the online complaint form that will enter data directly into the Network's Database, the website provides homeowners with state-by-state information about the rules, regulations and resources available to them, information on how to avoid a scam, and news and information on enforcement efforts.
Understanding Your FICO Score (PDF)
