Don’t ignore the problem. Call us today at 410-342-3234 to get a free appointment with a housing counselor. The further behind you become on your mortgage, the harder it will be to reinstate your loan and the more likely that you will lose your house. We are a HUD-approved agency.
Your first appointment will last approximately an hour and a half. Please arrive on time. If you arrive late, we will only be able to work with you for the remaining time of your appointment.
Contact your lender as soon as you realize that you have a problem. Lenders do not want your house. They have options to help borrowers through difficult financial times. Open and respond to all mail from your lender. The first notices you receive will offer good information about foreclosure prevention options that can help you weather financial problems. Later mail may include important notice of pending legal action. Your failure to open the mail will not be an excuse in foreclosure court.
Free help is available to homeowners behind on their mortgage, property taxes, water bills and homeowners insurance. Assistance is available for emergency home repairs such as: mold remediation, lead or asbestos removal, no heat or air, electrical repairs, plumbing repairs, other structural or maintenance issues.
We can help you apply for the Maryland Homeowner Assistance Fund or the Baltimore City Emergency Mortgage & Housing Assistance Program if you are eligible.
Don’t fall for loan modification scams! The Southeast CDC is a HUD-approved counseling agency that provide FREE foreclosure intervention and prevention counseling. Learn more about how loan modification scams affected past victims here: http://www.loanscamalert.org/