Your biggest ally if you encounter difficulty paying
your mortgage on time is often your lender. Don't
wait call them as soon as you know you are having
problems.

You may have options available to avoid
foreclosure. They include, but are not limited to:

*Refinancing
*Loan Modification
*Bringing your note current

Resources available but not limited to:

HUD-certified Housing Counseling Agency  at:

Toll free: 1-800-569-4287
TTY:       1-800-877-8339

Hope National Helpline

1-888-995-HOPE

Tips for Avoiding Foreclosure at
http://hud.gov/foreclosure/
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FAQ
The U.S. Department of
Housing and Urban
Development (HUD) funds
free or very low cost
housing counseling
nationwide.  Housing
counselors can help you
understand the law and
your options, organize your
finances and represent you
in negotiations with your
lender if you need this
assistance.