 I NEED HELP - Get help understanding your options and potentially avoiding foreclosure in the Anaheim Hills area.
Related Pages:
Sell Your Home
Orange County Housing Report
Anaheim Hills at a Glance
Additional Consumer Resources
Real Estate Glossary
Real Estate News
Contact Your Lender
Over 50 lenders have provided contact information for their clients who may be having difficulty making their mortgage payments.
Hope Now offers information to help you contact your mortgage company.
It is advisable to have this information ready when calling:
- Loan number
- Income information and documentation
- Most recent mortgage statement
- Bank statements
- Letter demonstrating financial hardship
Here is an article about writing a hardship letter. Some of the counseling programs listed on this page may be able to offer advice on this subject.
Further Reading
HUD's Guide to Avoiding Foreclosure
Warning Signs of Foreclosure
Avoiding Foreclosure - Freddie Mac
Dos and Don'ts of Foreclosure
Where to Get Help
MSNBC: "Help! How can I head off a foreclosure?"
IRS on Home Foreclosure and Debt Cancellation
Common Myths About Foreclosure
Life After Foreclosure
Options to Consider
Please try to exhaust your options before talking foreclosure with your bank.
It is highly recommended that you speak to a HUD-approved counselor before making a decision. More information on counseling agencies is on this page, to the right of this paragraph.
Loan Modification
Sell Your Home
Short Sale
Forbearance
Deed in Lieu
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If you are facing foreclosure, you are not alone. Millions of other people in your community, your state, your nation and around the world are all in the same situation — very much so. The most important thing to remember is not to pretend the problem isn't real. Stay in constant communication with your mortgage lender. Lenders really are interested in working with you to straighten the situation out, rather than trying to foreclose.
See, for example, FindLaw.com offers Ten Tips to Avoid Foreclosure, an article from FindLaw.com that describes how to prioritize your financial responsibilities.
Resources on this page provide useful information to homeowners in Anaheim Hills, and the surrounding communities, who may be facing foreclosure.
Homeowners who are behind on mortgage payments may be contacted by individuals or companies offering to help work out a loan modification with the lender, or provide other services. Please beware of anyone who asks you to pay for any of these services in advance. For more information, read the Advance Fees and Loan Modification Services article by the California Department of Real Estate.
We've made every effort to ensure the accuracy of this information. However, if you find that any of these resources have changed, please contact us.
Mortgage Modification Programs
You may wish to contact any lender or loan servicer not listed to determine if they offer workout programs.
HOPE for Homeowners (H4H)
Countrywide Financial (Bank of America) Program
Citigroup, CitiMortgage
JPMorgan Chase & Co.
For Chase, Washington Mutual and EMC Mortgage Group customers.
IndyMac Federal Bank, FDIC
- Call (877) 908-4357 for eligibility.
- The FDIC offers a page called "Mod in a Box" about their loan modification program.
- Visit the IndyMac/OneWest Bank page about Mortgages.
Wachovia
Wells Fargo
- Call (877) 937-9357 for eligibility.
- Visit the Wells Fargo Home Mortgage page.
Federal Government Loan Modification
Counseling
The Homeownership Preservation Foundation
Call the 24-hour hotline at (888) 995-HOPE. This foundation provides free counseling from HUD approved counselors. More information is available at the Homeownership Preservation Foundation website and the HOPE NOW website.
Anaheim Housing Counseling Agency
This HUD-certified agency works to help residents of Anaheim who are facing default and foreclosure. The agency is located in City Hall West on Anaheim Blvd., and may be reached by calling (714) 765-4310 during normal business hours. Read more on the Anaheim Housing Counseling Agency website.
Consumer Credit Counseling Services of Orange County
To make an appointment with this HUD Certified counseling agency, call (714) 547-2227 during normal business hours. Visit the fee schedule for pricing information. At this writing, there is no charge to meet with one of their counselors for initial discussions about how to prevent foreclosure on your home.
Additional Counseling
Sometimes you just need to talk to someone. Here are a few resources to help you find a place in the community where you can do so. For more immediate crisis counseling, call 1-800-273-TALK.
Credit
Credit Management
Credit Repair
If there are any links that do not work, or if there is anything you would like to see added, please contact me.
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