Foreclosure Prevention

Housing Foreclosure PreventionInCharge is a HUD-approved housing counseling agency and provides assistance to struggling homeowners with the goal of helping them keep their homes when possible.
If you are behind on your monthly bills, including your mortgage, we offer free confidential financial counseling assistance. Let one of our certified housing counseling assist you in person or via the telephone.

What Happens During a Foreclosure Prevention Counseling Session

  • Review your current income, living expenses, savings, and debts
  • Help you understand your options and possible solutions to your financial challenges
  • Assess your options for avoiding foreclosure, which could include a loan modification available under the federal Making Home Affordable program or another borrower assistance program.

There is no obligation for you to speak with one of our counselors before or after your session.

Prepare for Your Counseling Session

Being prepared will help your counselor better understand your financial position so he or she can assess possible options for you.  When you speak with your counselor, please have the following documents available:

  • Most recent pay stubs and most recent tax return.
  • Most recent bank statements.
  • Credit card bills.
  • Your monthly mortgage statement.
  • Any utility bills and car payments.

The certified housing counselor will work with you and your lender to determine your options.

Freddie Mac Borrower Help Network

Freddie Mac LogoInCharge Debt Solutions has also teamed up with Freddie Mac as their nationwide Borrower Help Network. Does Freddie Mac own your mortgage?  Visit Freddie Mac to find out. Call today to set up a free appointment.

Visit the Freddie Mac Avoiding Foreclosure Resource Center to find useful tips, tools, and educational resources, including information on what to expect when working with your Servicer.  Freddie Mac Borrower Help Centers are located in several cities throughout the United States.

Making Home Affordable Program

The Making Home Affordable Program has two paths for struggling homeowners:

The Home Affordable Refinance Program (HARP) has been designed to give up to 4 to 5 million homeowners with loans owned or guaranteed by Fannie Mae or Freddie Mac an opportunity to refinance into more affordable monthly payments.

The Home Affordable Modification Program (HAMP) commits $75 billion to keep up to 3 to 4 million Americans in their homes by preventing avoidable foreclosures.

Q. How do I find out if I’m eligible for these programs?

Call InCharge Housing Counseling and speak to a certified housing counselor. You can also visit MakingHomeAffordable.gov and click on the eligibility tab. It is also helpful to know if your loan is owned by one of the two government mortgage programs, Freddie Mac or Fannie Mae. Your mortgage company can tell you, or you can check on your own, either online or by phone:

Fannie Mae: 1-800-7FANNIE (8am to 8pm EST)

Fannie Mae Loan Lookup

Freddie Mac: 1-800-FREDDIE (8am to 8pm EST)

Freddie Mac Loan Lookup

Q. I’m behind on my mortgage by a couple of months and my lender has started calling asking about the status of my payments? What should I do?

Never avoid speaking to your lender. Take their calls, tell them your situation and explain why you are behind in payments. Some financial changes are inevitable, especially when they involve loss of employment, accidents and illness, or other major economic factors. Ask your lender about the above programs to see if you may be eligible for a refinance or a modification.

You can also contact InCharge Debt Solutions Housing Counseling. After learning more about your situation, one of our certified housing counselors can contact your lender on your behalf.

Thanks to U.S. Department of Housing and Urban Development (HUD)-approved housing counseling agencies, including InCharge Debt Solutions, homeowners have an advocate. With the help of a housing counselor, you can learn how to avoid foreclosure, what steps to take when you are facing foreclosure and how to avoid foreclosure scams. A housing counselor can also help you understand the housing terminology, complete the required paperwork, and work with your mortgage lender.

Many of us feel we are alone in our battle to overcome the additional stressors brought on by the mortgage crisis. That’s why we want homeowners to know that free, unbiased and professional education and assistance is available.

Lender Forms

Please find your lender’s name below to access required forms.  If your lender is not listed, use InCharge Debt Solutions General.

Forms should be completed and returned to InCharge within 72 hours of your counseling session

Fax:        877-267-9014
Email:    OHC@InCharge.org
Mail:      5750 Major BLVD., Suite 300, Orlando, FL 32819