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ATHENS California Properties | 1-800-660-0747

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How To Keep My Home

 
Other Retention Options
 
No matter what your individual situation is, you may have multiple options. Whether you want to stay in your home or sell it, we may be able to help.

Learn about other potential solutions
There are options available that may help you keep your home or options to consider if you are interested in selling your home. Our team of professionals will work with you individually and help you understand more about other options that might work for you. Here is a quick look at other options, beyond loan modification.

Home Retention Options
If you want to stay in your home and have the ability to resume monthly payments, either currently or in the near future, here are options other then loan modification that may be available:

  • Repayment Plan: if you've experienced a temporary reduction in income or financial hardship, but are getting your finances back in order, this option lets you pay off the delinquency over a period of time by making your monthly payment plus a portion of the delinquent amount, each month.
  • Partial Claims-for FHA Loans Only: Your mortgage servicer may be able to work with you to obtain a one-time payment from the FHA Insurance fund to bring your mortgage current.

If you have other questions, or want guidance to better understand your options, and need help working with your mortgage company, call us 1-800-660-0747 or 408-836-1828. The longer you wait, the harder it is for us to help.

Seeking additional help

We're here to help you - and so are a lot of other people.

Here are just two places you can turn for assistance...

Housing and Urban Development (HUD)-Certified Counseling Agencies

HUD is a U.S. government agency focused on increasing homeownership. You can access the Department of Housing and Urban Development's (HUDs) voice response system for a list of approved credit counseling agencies at 800-569-4287.

Check out HUD's Guide to Avoiding Foreclosure

HOPE NOW

HOPE NOW is an alliance between counselors, servicers, investors and other mortgage market participants with a mission to prevent foreclosures through outreach to borrowers at risk.  To obtain more information about HOPE NOW counseling agencies please call 888-995-HOPE (4673).

Visit the HOPE NOW website for more information.
       
 

 

 
 
Choosing the Mortgage That’s Right for You
• Learn what a mortgage is and calculate your buying power.
• Understand fixed-rate, adjustable-rate, government, and other mortgage options.
• See where to shop for a mortgage loan.
• Understand key factors that affect your mortgage payments.  Learn more		 Knowing and Understanding Your Credit
• Learn what credit is and why it is important to buy a home.
• Find out how to order your credit report and correct any errors.
• Discover what your credit score means to lenders.
• Get helpful tips on how to repair past credit problems.  Learn more		 Opening the Door to a Home of Your Own
• Learn if you’re ready to buy a home.
• Determine how much house you can afford.
• See how much money you may need for a down payment.
• Estimate your monthly mortgage payments.  Learn more		 Borrowing Basics: What You Don’t Know Can Hurt You
• Learn what you can do to avoid predatory lenders.
• Discover signs that may point to an untrustworthy loan situation.
• Understand ways you can get the best loan for your situation.
• Receive a useful glossary of loan terms that will help you understand lending term language.  Learn more

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