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What To Expect In Counseling

Once you have participated in our Mortgage Delinquency Workshop and determined that you need to meet with a counselor, email the list of 3 to 5 documents below and we will assess your situation.  Once all documents are received by our Intake Coordinator, our Certified Housing Counselor will schedule a telephone session with you within 48 hours. As discussed in the workshop, some of these options may include a combination of lender-specific programs based on your loan type and reasoning for getting behind.  We treat all conversations with the utmost respect, courtesy and non-judgmental manner.  Every story is worth listening.

 

List of Documents

  • Most Recent Mortgage Statement
  • Household Budget
  • HUD Disclosure Form (signed via DocuSign)
  • 30 days of income source

Discussion Items

  • Lender Status
  • Causes of Delinquency
  • Loan Type & Terms
  • Resources & Solutions

Default Resolutions

  • Loss Mitigation Programs
  • Loan -Specific Programs
  • Document Requirements
  • Expected Timeframes