Foreclosure Prevention Counseling Resources

Practical tools and resources for housing counselors, attorneys, and other advocates who are counseling homeowners threatened with foreclosure.

Sample Documents and Practice Aids

• Sample Forms, Letters, and Loan Documents. Many of these documents can be found in our new second edition of Foreclosure Prevention Counseling.
• Practice Aids. Includes a loan calculator, checklists, and much more.
• Helpful weblinks

Government-Insured or Guaranteed Loans

Click here for more information.

Loan Modification Programs

Click here for more information.

Fannie Mae and Freddie Mac

Fannie Mae Information

• Fannie Mae Borrower’s Financial Statement Form (English)
• Fannie Mae Borrower’s Financial Statement Form (Spanish)
• Fannie Mae Agreement for Modification or Extension of a Loan
• Fannie Mae Announcement 6-18
• Fannie Mae Request for Military Indulgence

Freddie Mac Home Affordable Modification Program

• On March 4, 2009, Freddie Mac announced details about the Home Affordable Modification Program, a loan modification program that supports the federal Making Home Affordable program. This new loan modification program, which is effective immediately and replaces the Streamlined Modification Program, offers a strong foreclosure prevention solution by expanding eligibility to borrowers who are delinquent as well as borrowers who are current, but facing imminent danger of default.
• Single-Family Seller/Servicer Guide Bulletin provides detailed requirements for servicers to implement, underwrite, and service eligible Freddie Mac-owned mortgages under the new Home Affordable Modification program.
• Guide Bulletin 2009-13 (Update, May 26, 2009) 

State Foreclosure Laws

Click here for more information.

Other Resources for Housing Counselors

• HUD Housing Counseling Handbook
• FDIC Loan Modification Program Guide: "Mod in a Box"
• HAMP FAQ for Counselors
• Organizations helpful to counselors
       Neighborworks
       National Foreclosure Mitigation Counseling Program
       HUD

Foreclosure Prevention Counseling
Click here for free online access to many of the book's appendices, as well as forms, letters, and numerous other materials referred to in the book. The second edition is packed with new material.  Order your copy online today!

Foreclosures
Part of NCLC's 18-volume series of legal manuals for attorneys. A thorough treatise on protecting homes from foreclosure, and what to do after foreclosure. More info or buy it online.

NCLC Reports, Bankruptcy and Foreclosures Edition