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If you are behind on your mortgage or worried you may fall behind soon, there is free help available from trained housing counselors. The organizations listed below can help you figure out how much you can afford to spend on housing. Counselors can help you: 1) negotiate with your servicer for a reduction in your monthly mortgage payments; 2) reach an agreement with your lender to sell your home for less than you owe; or 3) connect you with legal services so you can file for bankruptcy. Identifying your best option is complicated. Take advantage of the free resources available from nonprofit organizations throughout the Washington metropolitan region. Other languages spoken are noted.
Download brochures in English and Spanish! Read additional information on your options here.
Please note the list of agencies and contact information comes from the HUD web site. Please email information@capitalareaforeclosurenetwork.org if you would like to have your agency removed from this list or if you have updated contact information. Also, if you would like your agency to be temporarily removed from the list while you catch up on a backlog of clients we can remove your agency’s information temporarily and put you back on once you have caught up on your backlog.
Beware of Scams
If an organization is asking you to pay an upfront fee or promising that they can obtain a loan modification for you, they are likely trying to cheat you. These organizations may have obtained information about where you live, that you are at risk of foreclosure, and who your lender is. They can try and use this information to build your trust and scam you. Please get help but make sure it is from a certified nonprofit housing counseling organization or a nonprofit legal services provider. For more information about foreclosure rescue scams contact NeighborWorks America, the Lawyers Committee for Civil Rights Under the Law or one of the nonprofit housing counseling organizations listed on this web site.
If you have been a victim of a foreclosure rescue scam or know someone who has been, please file a report at FTC.gov or by calling 1-877-FTC-HELP. The FTC makes those complaints available to federal, state, and local law enforcement through the Consumer Sentinel Network. By filing a report you may be able to help others avoid being scammed. If you are willing to share your story with others, please contact information@capitalareaforeclosurenetwork.org.
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