Maryland foreclosure assistance offers valuable support to homeowners struggling to keep their homes. These programs provide a range of options, from financial aid to cover mortgage payments and property taxes to free counseling services that help homeowners understand their rights and negotiate with lenders. Whether facing hardship due to job loss, unexpected medical expenses, or the economic impact of the pandemic, Maryland homeowners can access resources designed to help them navigate the foreclosure process, understand available options, and potentially avoid losing their homes.

Maryland Foreclosure Laws and Your Rights as a Homeowner

Facing the possibility of foreclosure can be overwhelming. Understanding your rights and Maryland's specific laws surrounding the process is crucial for protecting your home. Here's what you need to know:

Key Maryland Foreclosure Laws:

• Judicial Foreclosure: Maryland follows a judicial foreclosure process, meaning the lender must file a lawsuit in court to initiate foreclosure.
• Notice of Intent to Foreclose: Before initiating foreclosure proceedings, the lender must send you a Notice of Intent to Foreclose at least 45 days before filing the lawsuit. This notice outlines the reasons for foreclosure and provides information about potential options to avoid it.
• Loss Mitigation Application: You have the right to submit a loss mitigation application to your lender, requesting alternatives to foreclosure such as loan modification or repayment plans.
• Foreclosure Mediation: Maryland law requires lenders to participate in foreclosure mediation, offering you a chance to negotiate with your lender and potentially reach an agreement to avoid foreclosure.
• Notice of Foreclosure Sale: If mediation fails, the lender must provide you with a notice of the foreclosure sale at least 10 days before the scheduled date.
• Right to Cure Default: You have the right to reinstate your mortgage by paying all past-due amounts, penalties, and fees up to one business day before the foreclosure sale.
• Exceptions to Sale: After the foreclosure sale, you have 30 days to file exceptions with the court, challenging the validity of the sale if you believe there were procedural errors or other grounds for contesting it.

Your Rights as a Homeowner:

• Right to Information: You have the right to request information from your lender about your loan, including the amount owed and details about the foreclosure process.
• Right to Legal Representation: You have the right to hire an attorney to represent you throughout the foreclosure process.
• Right to Fair Treatment: Lenders must follow specific procedures and timelines outlined by Maryland law, and you have the right to fair treatment throughout the process.

Protecting Your Rights:

• Respond to Notices Promptly: Don't ignore any notices from your lender or the court. Respond promptly and seek assistance if needed.
• Seek Legal Advice: If you're facing foreclosure, consult with an attorney specializing in foreclosure defense to understand your options and protect your rights.
• Understand Your Loan Documents: Review your mortgage documents carefully to understand the terms of your loan and your obligations.
• Keep Records: Maintain thorough records of all communications with your lender, including payment history and any loss mitigation applications.

By understanding your rights and Maryland's foreclosure laws, you can take proactive steps to protect your home and navigate the foreclosure process effectively. Remember, seeking help early is crucial.

Who Qualifies for Assistance?

Qualifying for Maryland foreclosure assistance depends on the specific program, but generally, homeowners must meet certain criteria related to financial hardship, property ownership, and income level. Here's a breakdown of common eligibility requirements:

Maryland Homeowner Assistance Fund:

• Financial Hardship: Experienced financial hardship after January 21, 2020, due to the COVID-19 pandemic. This could include job loss, reduced income, increased expenses, or illness.
• Income Limits: Must meet certain income requirements, which vary based on household size and county.
• Property Ownership: Must own and occupy the property as a primary residence.
• Mortgage Delinquency: Must be delinquent on mortgage payments or in forbearance for at least 3 months.

Important Note: Eligibility requirements can vary, and specific programs may have additional criteria. It's crucial to contact the program administrators or a HUD-approved housing counselor to determine your eligibility and explore available options.

How to Apply for Maryland Foreclosure Assistance Programs

Applying for Maryland foreclosure assistance programs typically involves gathering necessary documentation, completing an application, and working with a housing counselor or program administrator. Here's a general overview of the application process for some key programs:

Maryland Homeowner Assistance Fund (HAF):

While applications for the HAF program closed on September 18, 2023, it's still helpful to understand the process for future reference or similar programs.

1. Contact a Housing Counselor: Reach out to a HUD-approved housing counselor for guidance and assistance with the application process. You can find a counselor by calling 1-877-462-7555 or visiting the Housing Counseling & Legal Services Network page on the Maryland Department of Housing and Community Development website.
2. Gather Documentation: Collect necessary documents, including:
   • Proof of income (pay stubs, tax returns)
   • Mortgage statements
   • Documentation of hardship (e.g., layoff notice, medical bills)
   • Property tax records
3. Complete the Application: Previously, applications were submitted online through the HAF application portal [invalid URL removed]. Keep an eye on the Maryland Department of Housing and Community Development website for updates on any future assistance programs.

General Tips for Applying:

• Start Early: Don't wait until you're in a crisis situation. Apply for assistance as soon as you realize you may be facing foreclosure.
• Be Prepared: Gather all required documentation before starting the application process.
• Seek Assistance: If you have questions or need help with the application, contact a housing counselor or program administrator.
• Follow Up: After submitting your application, follow up with the program administrator to check on its status.

Important Contacts:

• Maryland Department of Housing and Community Development:
  • Phone: 1-877-462-7555
  • Website: https://dhcd.maryland.gov/Pages/default.aspx
• HUD-approved Housing Counseling Agencies:
  • Website: https://www.hud.gov/program_offices/housing/nationally_hud_approved_housing_counseling_agenciesdirectory

Remember that program availability and application processes can change, so it's essential to stay updated and seek guidance from reputable sources.

Avoid Foreclosure with Maryland's HOPE Initiative

Facing foreclosure can feel like a tidal wave of stress and uncertainty. But there's hope. Maryland's Homeownership Preservation and Equity (HOPE) Initiative is a powerful resource designed to help homeowners navigate financial hardship and keep their homes.

What is the HOPE Initiative?

HOPE is a multi-faceted program offering a range of solutions to help homeowners avoid foreclosure. It provides:

• Free Housing Counseling: Connect with HUD-approved housing counselors who can assess your situation, explain your options, and guide you through the process.
• Loan Modification Assistance: HOPE can help you negotiate with your lender to modify your loan terms, potentially reducing your interest rate, extending your repayment period, or even reducing your principal balance.
• Financial Assistance: In some cases, HOPE may provide financial assistance to help you catch up on missed payments or cover other housing-related expenses.
• Legal Assistance: HOPE can connect you with legal resources to help you understand your rights and navigate the foreclosure process.

Who Qualifies for HOPE?

To be eligible for HOPE, you generally need to meet the following criteria:

• Facing Foreclosure: You must be at risk of foreclosure due to financial hardship.
• Conventional Mortgage: Your mortgage must be a conventional loan (not FHA, VA, or USDA).
• Occupancy: You must occupy the property as your primary residence.
• Loan-to-Value Ratio: Your loan amount must be at least 80% of the current market value of your home.

How to Access HOPE:

1. Call the HOPE Hotline: Reach out to the HOPE Hotline at 1-877-462-7555 to connect with a housing counselor and learn more about the program.
2. Attend a Foreclosure Prevention Workshop: DHCD regularly hosts workshops throughout Maryland, providing information and resources to homeowners facing foreclosure.
3. Contact Your Lender: If your lender participates in the HOPE Initiative, they can guide you through the application process.

Why Choose HOPE?

• Expert Guidance: HOPE provides access to experienced housing counselors who can help you understand your options and make informed decisions.
• Negotiation Power: HOPE can leverage its relationships with lenders to advocate on your behalf and negotiate favorable loan modifications.
• Financial Relief: HOPE may provide financial assistance to help you overcome your immediate financial challenges.
• Peace of Mind: Knowing you have a dedicated team working to help you keep your home can provide much-needed peace of mind during a stressful time.

Don't wait until it's too late. If you're facing foreclosure in Maryland, reach out to the HOPE Initiative today. They can help you explore your options, avoid foreclosure, and keep your home.

Free Foreclosure Prevention Counseling in Maryland

Facing the possibility of losing your home can be overwhelming, but you don't have to navigate it alone. Free foreclosure prevention counseling is available throughout Maryland, offering expert guidance and support to help you understand your options and potentially avoid foreclosure.

Why Seek Foreclosure Prevention Counseling?

HUD-approved housing counselors are trained professionals who can:

• Assess Your Situation: They'll review your financial situation, mortgage documents, and circumstances to understand your specific needs.
• Explain Your Options: Counselors will clearly explain foreclosure prevention options, including loan modifications, repayment plans, forbearance, and more.
• Develop a Plan: They'll help you create a personalized plan to address your financial challenges and avoid foreclosure.
• Negotiate with Your Lender: Counselors can advocate on your behalf and negotiate with your lender to explore possible solutions.
• Provide Emotional Support: Foreclosure can be emotionally draining. Counselors offer support and guidance during this difficult time.

Where to Find Free Counseling:

• Maryland Department of Housing and Community Development (DHCD):
  • DHCD provides a list of HUD-approved housing counseling agencies throughout Maryland. You can search for agencies by county on their website or call the HOPE Hotline for a referral.
  • Website: https://dhcd.maryland.gov/Residents/Pages/HOPE/Counseling.aspx
  • Phone: 1-877-462-7555 (HOPE Hotline)
• HUD-approved Housing Counseling Agencies:
  • This website allows you to search for HUD-approved agencies nationwide, including those in Maryland. You can filter by services offered, languages spoken, and other criteria.
  • Website: https://apps.hud.gov/offices/hsg/sfh/hcc/hcs.cfm
• Pro Bono Resource Center of Maryland:
  • This organization provides legal resources and referrals to low-income individuals, including those facing foreclosure.
  • Website: https://www.probonomd.org/
  • Phone: 410-837-9379

Tips for Choosing a Counselor:

• Verify HUD Approval: Ensure the agency is approved by the U.S. Department of Housing and Urban Development (HUD).
• Check Services Offered: Confirm the agency offers foreclosure prevention counseling.
• Consider Location and Availability: Choose an agency with convenient locations and appointment times.
• Ask About Fees: While counseling is generally free, some agencies may charge a nominal fee for certain services.

Don't hesitate to reach out for help. Foreclosure prevention counselors can provide the guidance and support you need to navigate this challenging situation and protect your home.

Maryland Property Tax Relief Programs for Homeowners

Property taxes can be a significant burden for homeowners, especially those on fixed incomes or facing financial hardship. Fortunately, Maryland offers several programs to help alleviate this burden and make homeownership more affordable.

1. Homeowners' Property Tax Credit Program: This program provides tax credits to homeowners whose property taxes exceed a certain percentage of their gross income. It essentially sets a limit on how much of your income can go towards property taxes.
   • Eligibility: Homeowners of any age who meet the income requirements.
   • How it works: The credit is calculated based on a sliding scale, with higher income levels having a higher percentage limit.
   • How to apply: Applications are available online through Maryland OneStop https://onestop.md.gov/forms/homeowners-property-tax-credit-application-form-htc-2024-65ba4c7bb7695500df589224 or at your local assessment office.
2. Homestead Tax Credit: This program helps protect homeowners from large increases in property taxes by limiting how much the assessed value of your home can increase each year.
   • Eligibility: Homeowners who use the property as their principal residence
   • How it works: Limits the annual increase in the taxable assessment to a fixed percentage (10% or less in most counties).
   • How to apply: You generally don't need to apply separately for this credit. It's automatically calculated when your property is assessed. You can find more information and apply online through Maryland OneStop https://onestop.md.gov/.
3. Renters' Tax Credit Program: While not directly for homeowners, this program provides tax credits to renters who meet certain income requirements, recognizing that renters indirectly pay property taxes through their rent.
   • Eligibility: Renters who meet specific income requirements.
   • How it works: Provides a tax credit based on a percentage of rent paid.
   • How to apply: Applications are available online through Maryland OneStop https://onestop.md.gov/ or at your local assessment office.
4. Local Property Tax Credits: Many counties and municipalities in Maryland offer their own property tax credit programs, often targeted towards specific groups like seniors, veterans, or people with disabilities. Check with your local government for available programs.

Tips for Finding Property Tax Relief:

• Contact your local assessment office: They can provide information about specific programs and eligibility requirements in your area.
• Visit the Maryland Department of Assessments and Taxation website: https://dat.maryland.gov/Pages/default.aspx This website provides detailed information about state-level property tax credits and other programs.
• Consult a tax professional: A tax advisor can help you understand your options and ensure you're taking advantage of all available credits.

By exploring these programs, Maryland homeowners can find much-needed relief from property taxes and make their housing costs more manageable.

Avoiding Foreclosure Scams in Maryland

When facing foreclosure, it's crucial to be aware of scammers who prey on vulnerable homeowners. These individuals or companies often promise quick fixes and financial relief, but their real goal is to exploit your situation for their own profit. Here's how to protect yourself:

Recognize Common Scams:

• Foreclosure Rescue Scams: Companies or individuals may offer to "save" your home by negotiating with your lender or buying your house. They may ask for upfront fees or convince you to sign over the deed to your property, leaving you with nothing.
• Loan Modification Scams: Scammers may promise to modify your loan for a fee, but they often disappear after receiving your money without providing any real assistance.
• Government Imposter Scams: Scammers may pose as government officials or housing counselors, offering fake government programs or demanding payment for free services.
• Rent-to-Own Schemes: Scammers may offer to rent your home back to you after foreclosure, but these schemes often involve hidden fees and unfair terms that can lead to you losing your home again.

Tips to Protect Yourself:

• Never pay upfront fees for foreclosure assistance: Legitimate housing counselors and attorneys typically charge fees after services are rendered.
• Don't sign anything without understanding it: Carefully review any documents before signing, and seek legal advice if you have questions.
• Be wary of high-pressure tactics: Scammers often use scare tactics and pressure homeowners to make quick decisions. Take your time and don't be rushed.
• Verify credentials: Check if the company or individual is licensed or registered with the Maryland Department of Labor, Licensing and Regulation.
• Contact your lender directly: If you're struggling to make mortgage payments, reach out to your lender to discuss options.
• Seek free housing counseling: HUD-approved housing counselors can provide legitimate assistance and guidance without charging upfront fees.

Red Flags:

• Promises that seem too good to be true: Be skeptical of anyone who guarantees to stop foreclosure or get you a loan modification.
• Requests for personal financial information: Never give out your bank account or credit card information to someone you don't trust.
• Pressure to sign documents quickly: Take your time to review any documents and seek legal advice if needed.
• Upfront fees: Be wary of anyone who demands payment before providing services.

Where to Report Scams:

• Maryland Attorney General's Office: https://www.marylandattorneygeneral.gov/
• Federal Trade Commission (FTC): https://www.ftc.gov/

Remember: If you're facing foreclosure, seek help from reputable sources like HUD-approved housing counselors or the Maryland Department of Housing and Community Development. They can provide legitimate assistance and help you avoid scams.

Frequently Asked Questions

Foreclosure assistance grants Texas offer a valuable opportunity for homeowners struggling to keep up with their mortgage payments. These grants, provided by government agencies and non-profit organizations, can help eligible Texans avoid the devastating consequences of foreclosure. By offering financial support for past-due mortgages, property taxes, and other housing-related expenses, these programs aim to stabilize housing situations and provide a path for homeowners to regain their financial footing. Understanding the eligibility requirements and available programs is the first step towards accessing this essential support system.

Who Qualifies for Foreclosure Assistance Grants in Texas?

Qualifying for foreclosure assistance grants in Texas depends on a few key factors. While specific requirements vary by program, here's a general overview:

1. Residency and Homeownership:
   • You must be a Texas resident and own the home as your primary residence.
   • The property must be located in Texas.
2. Financial Hardship:
   • You need to demonstrate a genuine financial hardship that makes it difficult to meet your mortgage obligations.
   • Qualifying hardships often include job loss, income reduction, unexpected medical expenses, divorce, or death of a primary wage earner.
3. Income Eligibility:
   • Most programs have income limits to ensure assistance reaches those most in need.
   • These limits typically vary by county and household size. You'll need to provide proof of income, such as tax returns and pay stubs.
4. Mortgage Status:
   • Your mortgage must be delinquent or at risk of becoming delinquent.
   • Some programs may require you to have missed a certain number of payments or received a foreclosure notice.
5. Program-Specific Criteria:
   • Each program may have additional requirements. For example, the Texas Homeowner Assistance Fund (TXHAF) prioritizes homeowners impacted by the COVID-19 pandemic.

To determine your eligibility for specific programs:

• Contact a HUD-approved housing counselor: They can assess your situation and guide you towards the most suitable options.
• Review program guidelines: Information is available on the websites of the Texas Department of Housing and Community Affairs (TDHCA) and other organizations offering assistance.

By meeting these general qualifications and exploring the specific criteria of individual programs, Texas homeowners can increase their chances of securing the financial assistance needed to avoid foreclosure.

Income Limits and Required Documents

Income Limits:

Income limits for foreclosure assistance grants in Texas vary based on the specific program and the county where you reside. These limits are often tied to the Area Median Income (AMI), which is a measure of the average household income in a given area.

• Texas Homeowner Assistance Fund (TXHAF): Generally, households with incomes at or below 100% of the AMI are eligible. However, priority may be given to households with incomes at or below 80% of the AMI or those who have experienced unemployment for 90 days or more.
• Other Programs: Income limits for programs administered by the Texas Department of Housing and Community Affairs (TDHCA) and non-profit organizations may have different thresholds. It's essential to check the specific program guidelines.

Where to Find Income Limits:

• TXHAF Website: The TXHAF website provides income limit information based on county and household size.
• TDHCA Website: TDHCA publishes income limits for its various programs.
• Housing Counselor: A HUD-approved housing counselor can help you determine the income limits for programs you may qualify for.

Required Documents

When applying for foreclosure assistance grants in Texas, you'll need to gather various documents to verify your identity, income, and financial hardship. While specific requirements vary by program, here's a general list:

• Proof of Identity: This may include a driver's license, state-issued ID, or passport.
• Social Security Number: You'll need to provide your Social Security Number (SSN) for all household members.
• Proof of Income: This may include recent pay stubs, W-2 forms, tax returns, or benefit statements (e.g., Social Security, unemployment).
• Mortgage Statement: You'll need to provide your most recent mortgage statement.
• Property Tax Statement: If applying for assistance with property taxes, include your most recent property tax statement.
• Hardship Letter: A hardship letter explains the circumstances that led to your financial hardship and your need for assistance.
• Foreclosure Notice (if applicable): If you've received a foreclosure notice, include a copy with your application.
• Other Documents: Some programs may require additional documentation, such as bank statements, utility bills, or proof of homeownership.

Tips for Gathering Documents:

• Start early: Gathering the necessary documents can take time, so start the process as soon as possible.
• Make copies: Keep copies of all documents for your records.
• Organize your documents: Use a folder or binder to keep your documents organized and easily accessible.

By understanding the income limits and gathering the required documents in advance, you'll be well-prepared to navigate the application process for foreclosure assistance grants in Texas.

What Expenses Can Foreclosure Assistance Grants Cover?

Foreclosure assistance grants in Texas can help cover a range of expenses related to your home and mortgage. The specific expenses covered depend on the program, but here are some common ones:

1. Mortgage Payments:
   • Past-due payments: Grants can help you catch up on missed mortgage payments, bringing your loan current and preventing foreclosure.
   • Future payments: Some programs may assist with a limited number of future mortgage payments to provide temporary relief while you regain financial stability.
2. Property Taxes:
   • Delinquent taxes: Grants can help pay overdue property taxes, which can also lead to foreclosure if not paid.
   • Current taxes: Some programs may assist with upcoming property tax payments.
3. Homeowner's Insurance:
   • Grants may cover past-due or upcoming homeowner's insurance premiums, ensuring your home remains protected.
4. Homeowners Association (HOA) Fees:
   • If you live in a community with an HOA, grants may help cover delinquent or current HOA fees.
5. Other Housing-Related Expenses:
   • Some programs may offer assistance with other expenses that threaten your homeownership, such as:
     • Utility payments: Help with past-due utility bills to prevent disconnection.
     • Home repairs: Funds for essential repairs that impact the safety and habitability of your home.
     • Relocation assistance: In certain cases, grants may help with relocation expenses if staying in your current home is not feasible.

Examples of Programs and Their Coverage:

• Texas Homeowner Assistance Fund (TXHAF): This program can assist with mortgage payments, property taxes, homeowner's insurance, HOA fees, and utility payments.
• TDHCA Programs: The Texas Department of Housing and Community Affairs offers various programs with different coverage, including assistance with mortgage payments and property taxes.

Important Notes:

• Program-specific guidelines: Always check the specific program guidelines to understand the exact expenses covered.
• Maximum assistance amounts: Each program has limits on the amount of financial assistance provided.
• Direct payments: In most cases, grant funds are paid directly to the mortgage servicer, tax collector, or other relevant entity.

By understanding the range of expenses that foreclosure assistance grants can cover, Texas homeowners can better utilize these programs to address their specific financial needs and avoid the loss of their homes.

Step-by-Step Guide to the Texas Homeowner Assistance Fund (TXHAF)

The Texas Homeowner Assistance Fund (TXHAF) is a federally funded program offering financial assistance to Texas homeowners struggling with housing expenses due to the COVID-19 pandemic. Here's a step-by-step guide to navigating the TXHAF:

1. Determine Your Eligibility
2. Gather Required Documents
3. Apply for TXHAF
   • Online: Visit the official TXHAF website at https://www.tdhca.texas.gov/homeowner-assistance-fund-haf-program
   • With Assistance: If you need help with the application, contact a HUD-approved housing counselor. Find a counselor near you: https://hud4.my.site.com/housingcounseling/s/?language=en_US
4. Application Review and Processing
   • Review: TXHAF will review your application and documents to verify your eligibility.
   • Processing: If approved, you'll receive a notice with the amount of assistance and how it will be distributed.
5. Receive Assistance
   • Direct Payment: Funds are typically paid directly to your mortgage servicer, tax collector, or other relevant entity.
   • Monitoring: You may need to provide updates on your financial situation to ensure continued eligibility.

Important Notes:

• Application Deadline: While the program is still active, it's advisable to apply as soon as possible as funds are limited.
• Contact Information: For questions or assistance, contact TXHAF at 1-833-651-3874.
• Stay Informed: Check the TXHAF website regularly for updates and announcements.

By following these steps and utilizing the provided resources, Texas homeowners can effectively navigate the TXHAF program and seek the financial relief they need to avoid foreclosure.

Can Foreclosure Assistance Grants Help with Property Taxes?

Yes, foreclosure assistance grants in Texas can often help with property taxes! Here's why property taxes are crucial and how these grants can assist:

Why Property Taxes Matter

• Foreclosure Risk: Just like falling behind on your mortgage, unpaid property taxes can lead to foreclosure.
• Significant Expense: Property taxes can be a substantial annual expense for homeowners, and financial hardship can make them difficult to manage.

How Grants Can Help

• Delinquent Taxes: Many foreclosure assistance programs, including the Texas Homeowner Assistance Fund (TXHAF), can help you pay off past-due property taxes. This brings your account current and prevents tax foreclosure.
• Current Taxes: Some programs may also assist with upcoming property tax payments, reducing your immediate financial burden and helping you stay on track.

Key Programs Offering Assistance with Property Taxes

• Texas Homeowner Assistance Fund (TXHAF): This program specifically allows for assistance with property tax payments, including delinquent and current taxes.
• TDHCA Programs: The Texas Department of Housing and Community Affairs (TDHCA) has programs that may help with property taxes, though the specifics vary.
• Non-profit Organizations: Some non-profit organizations offering foreclosure assistance may also include property tax relief in their programs.

Important Considerations

• Program Requirements: Each program has specific eligibility criteria, so check the guidelines carefully or consult with a housing counselor.
• Application Process: Be prepared to provide documentation such as your property tax statement and proof of financial hardship.
• imited Funds: Funding for these programs can be limited, so it's essential to apply as early as possible if you need assistance.

If you're struggling to pay your property taxes and facing foreclosure, explore these grant programs and reach out to a housing counselor for guidance. Don't let property tax debt put your homeownership at risk.

Resources for Texas Homeowners Facing Foreclosure

Legal Aid and Advocacy:

• Texas Legal Services Center: Free legal aid for low-income Texans facing foreclosure. They can provide advice, represent you in court, and help negotiate with your lender.
  • Website: https://www.tlsc.org/
  • Phone: 1-800-622-2520
• Legal Aid of Northwest Texas: Provides legal services in a 114-county area of Texas.
  • Website: https://internet.lanwt.org/
  • Phone: 1-888-529-5277

Government Agencies:

• U.S. Department of Housing and Urban Development (HUD): While we've mentioned their counselor locator, HUD also has resources on foreclosure prevention and avoiding scams.
  • Website: https://www.hud.gov/
  • Phone: 1-800-CALL-FHA (1-800-225-5342)
• Texas Attorney General's Office: Provides information on foreclosure prevention and consumer protection. They can help you report foreclosure rescue scams.
  • Website: https://www.texasattorneygeneral.gov/
  • Phone: 1-800-621-0508

Non-Profit Organizations:

• Homeownership Preservation Foundation (HPF): Offers free foreclosure prevention counseling through their Homeowner's HOPE™ Hotline.
  • Website: https://www.995hope.org/
  • Hotline: 1-888-995-HOPE (4673)
• NeighborWorks America: A national network of non-profit organizations providing housing counseling, financial education, and community development. Find a NeighborWorks organization in Texas: https://www.neighborworks.org/

Online Resources:

• Making Home Affordable (MHA): This federal program offers resources and information on foreclosure prevention options, including loan modification and refinancing.
  • Website: https://www.consumerfinance.gov/mortgagehelp/
• TexasLawHelp.org: A website providing free legal information and resources for Texans, including a section on foreclosure prevention.
  • Website: https://texaslawhelp.org/

Remember, seeking help early is crucial when facing foreclosure. Utilize these resources to get the support and guidance you need to protect your home.

Frequently Asked Questions