Real Help Is Free

Don’t Fall For Scams That Can Take Your Home

If you or someone you care about is having trouble making mortgage payments, help is available. And real help is always free from authorized government agencies.

There are plenty of scam operators out there itching to take advantage of homeowners who run into financial trouble. Beware of letters, calls or visits from others who promise they’ll save your home for a fee. Here are red flags to watch for:

• Anyone who asks for an upfront fee—of any amount—to provide financial counseling or modification of your mortgage loan. Real help is always free.

• Signing your home’s deed, which would authorize giving your home to someone. Unless you are working with your mortgage company directly or a U.S. government agency, do not sign anything without a trusted professional financial advisor’s and/or lawyer’s review.

• Requests to send or wire your home’s mortgage payment to another individual, company or location; advice to stop paying your mortgage; or requests to not call your mortgage company. Contact your mortgage company directly before you make any changes to your loan payment process.

Assistance from housing counselors approved by the Department of Housing and Urban Development (HUD) is always free. Homeowners can reach them by calling the Homeowner’s HOPE™ Hotline at (888) 995-HOPE (4673) or by visiting The free help line operates 24/7 every day of the year, staffed by expert advisors who speak 170 languages.

Remember, we would be happy to discuss your real estate needs in confidence at any time. There are options for avoiding foreclosure.

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