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 from Foreclosure Prevention Counseling (3d ed. 2013)

Government-Insured or Guaranteed Loans

Includes relevant HUD mortgagee letters.

Loan Modification Programs

Fannie Mae and Freddie Mac

Fannie Mae Information

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

Other Resources for Housing Counselors