Western Maine Community Action offers Free Foreclosure Prevention Services.
A HUD-approved housing counselor can play an important role if you have fallen behind on your mortgage payments and may be facing foreclosure. HUD approved counseling agency staff must possess a working knowledge of HUD housing programs (including public housing), the housing programs available in the community, and the local housing market.
A housing counselor will help you assess your financial situation and offer specific suggestions on what you should do, free of charge.
A housing counselor can:
- Review your financial situation and help you plan a budget and spending plan;
- Help you to contact your lender or loan servicer and prepare a “hardship letter” that explains your situation;
- Identify what workout options are available and the option that is best for you;
- Explain the terms of any refinancing or other options to you.
For more information or to set up an appointment with a Housing Counselor, please contact us at 207-645-3764 or 1-800-645-9636.