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If you are behind on your mortgage payments, or anticipate that you may not be able to continue making your mortgage payments, the first thing you should do is call your lender or loan servicer (the company you send your monthly mortgage payments to) to explain your situation and determine what options may be available to help you. The longer you wait to get help, the harder it will be for your housing counselor or your lender to assist you. Losing your home may be the price you pay for thinking something will come along to fix everything. Action is what will make that happen.If none of the options below can help you stay in your home, and you don't want to destroy your credit with a foreclosure, you need to call 603-731-6228 ASAP. If there is 30 days or more before the scheduled foreclosure auction of your home, I can help you market and sell it (pre-foreclosure sale/ short sale) before the auction at no cost to you. Your lender will pay any closing costs to avoid going to foreclosure where they will loose even more money. Foreclosure timeline The following are links to websites that might be able to help you avoid foreclosure. homehelpnh.org www.makinghomeaffordable.gov www.freddiemac.com/corporate/buyown/english/avoiding_foreclosure/ www.hopenow.com/ www.hud.gov/foreclosure/ www.foreclosurelaw.org/New_Hampshire_Foreclosure_Law.htm
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