Seller Counseling Resources and Links
Find Counseling Resources and Links for Short Sale or Foreclosure Help
• Consider contacting your attorney or a local Legal Aid office, especially if you think you were the victim of questionable lending practices. A good place to start is at www.lawhelp.org.
• The U.S. Department of Housing and Urban Development (HUD) website has a list of HUD-approved counseling organizations, by state (www.hud.gov/counseling). The list may be used as a starting point to find good counselors. Watch out for questionable counseling companies who advertise that, for a minimal fee, they will hire a lawyer to defend the foreclosure in court or negotiate lender assistance on your behalf. You should call a HUD-approved counseling organization, or 888.995.HOPE before you pay or sign anything. (Information courtesy of National Association of Realtors.)
For immediate advice, call 888.995.HOPE to speak to a counselor on how to avoid foreclosure. Available in English and Spanish, 24/7. Or visit www.995hope.org for more information.
• List of HUD-approved counseling agencies: www.hud.gov/counseling.
• “How to Avoid Foreclosure” (aimed at FHA borrowers but can help others as well). www.hud.gov/foreclosure.
Freddie Mac: “Keeping Your Home, Protecting Your Investment.” Go to www.freddiemac.com and search for this brochure by typing in the full name of the brochure.
Ginnie Mae: For a simple calculator to help home buyers estimate how much they can afford to spend, read “How Much Home Can You Afford?” http://www.GinnieMae.gov.
• Equifax 800.685.1111 www.Equifax.com
• Experian 888.397.3742 www.Experian.com
• TransUnion 800.916.8800 www.TransUnion.com