How to Get Help With Your Mortgage

Q. I’m in trouble with my mortgage. How can I get help?

A. If you don’t know where to turn for reliable answers or need to sort through your options, turn to these experts for advice:

1. Your REALTOR® can determine the current value of your home and review your options if you owe more than the home is worth. Knowledgeable agents can also explain more about government programs available today.
2. A Foreclosure Counselor will help you evaluate your current financial situation by reviewing your monthly expenses and income. They can also identify assistance programs and serve as an advocate with your bank, free of charge.
3. A Tax Expert may be needed if you decide to do a short sale or deed in lieu of foreclosure as forgiveness of debt is sometimes considered taxable income.
4. A Credit Counselor can help develop a plan to avoid future financial difficulty and work to repair your credit score if you’ve already missed payments.
5. An Attorney can help if your lender has filed a foreclosure lawsuit. They can review the lender’s paperwork and see if the loan servicing company made a mistake in applying payments or assessing fees.

If you have any questions, or need capable and trustworthy representation, please call me at 206-226-0565.