All of us here at Neighborhood Housing Services (NHS) understand the trying time that you and your family are dealing with. We also understand similar frustrations that many homeowners have already dealt with when trying to negotiate something with their mortgage servicers. This is where we can help.
Please keep in mind: We provide these services for free!
If an agency is charging fees in exchange for the services that we provide for free, YOU MAY BE THE VICTIM OF A SCAM.
Mortgage Forbearance and Moratorium Information:
2020 was a difficult year in many ways for everyone. The CARES Act, enacted to respond to complications from COVID 19, has measures to alleviate financial concerns for those with an income loss due to the pandemic. One thing the CARES Act allowed is mortgage forbearances. These forbearances were easy to access and are a relief from mortgage payments for a length of time. At the end of the forbearance all missed payments are due. Without a successful exit plan homeowners could be facing foreclosure. NHS can help create an exit plan and answer questions. Please call for a free, one on one appointment with a HUD certified housing counselor, 616-935-3270 or register for an informational workshop. Pre-registration is required at, https://www.surveymonkey.com/r/879RMCY.
Mortgage information resources:
To find out who services your mortgage: https://www.consumerfinance.gov/ask-cfpb/how-can-i-tell-who-owns-my-mortgage-en-214/
Links for Fannie Mae and Freddie Mac owned mortgages: https://www.fanniemae.com/here-help-homeowners or https://myhome.freddiemac.com/getting-help/relief-for-homeowners.html.
- Michigan State Housing Development Authority
- Understanding the Foreclosure Process
- What do I Need to Know about Judicial Foreclosure?
- What Happens to my Mortgage if I File Bankruptcy?
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