FORECLOSURE GUIDES

Facing foreclosure? Don't despair. There are options available to help you avoid losing your home. Here are some resources for Louisiana homeowners:

• Louisiana Housing Corporation (LHC): This state agency offers a variety of programs and resources to assist homeowners facing foreclosure. Visit their website (search for "Louisiana Housing Corporation foreclosure assistance" on Google) to explore programs like:
   
  • Homeowner Assistance Fund (HAF): This program provides financial assistance to eligible homeowners to help them avoid foreclosure.
  • Foreclosure Prevention Counseling: LHC may connect you with certified housing counselors who can provide personalized guidance and support.
  • Legal Aid Resources: LHC may be able to refer you to legal aid organizations that can provide legal assistance with foreclosure-related issues.

• Louisiana Legal Services: This organization provides legal assistance to low-income individuals in Louisiana, including those facing foreclosure. Visit their website (search for "Louisiana Legal Services foreclosure" on Google) or contact them directly to learn more about their services.
   
• HUD-Approved Housing Counselors: Contact the U.S. Department of Housing and Urban Development (HUD) at 1-800-569-4287 to find a HUD-approved housing counselor in your area. These counselors can:
   
  • Assess your financial situation.
  • Explore foreclosure prevention options, such as loan modifications, short sales, and forbearance.
  • Help you negotiate with your lender.
  • Provide budget counseling and debt management strategies.

• Local Bar Associations: Contact your local bar association for referrals to attorneys specializing in foreclosure defense or consumer law. Search for "[Your City/Parish] Bar Association" on Google to find their contact information.

Facing foreclosure in Texas? Don't lose hope. There are resources available to help you explore your options and potentially avoid foreclosure. Here are some resources for Texas homeowners:

• Texas Department of Housing and Community Affairs (TDHCA): TDHCA offers a range of programs and resources to assist Texas homeowners, including those facing foreclosure. Visit their website (search for "TDHCA foreclosure prevention Texas" on Google) to learn more about:
   
  • Foreclosure Prevention Counseling: Find certified housing counselors who can provide guidance and support.
  • Homeowner Assistance Fund (HAF): This program provides financial assistance to eligible homeowners to help them avoid foreclosure.
  • Texas Rent Relief Program: This program may provide assistance with rent and utility payments to prevent eviction and potential foreclosure.

• Texas Legal Services: This organization provides legal assistance to low-income Texans, including those facing foreclosure. Visit their website (search for "Texas Legal Services foreclosure" on Google) or contact them directly to learn more about their services.
   
• HUD-Approved Housing Counselors: Contact HUD at 1-800-569-4287 to find a HUD-approved housing counselor in your area. These counselors can:
   
  • Assess your financial situation.
  • Explore foreclosure prevention options, such as loan modifications, short sales, and forbearance.
  • Help you negotiate with your lender.
  • Provide budget counseling and debt management strategies.

• Texas Real Estate Center at Texas A&M University: While not a direct foreclosure prevention service, the Texas Real Estate Center offers research and information on various real estate topics, including foreclosure. Visit their website (search for "Texas Real Estate Center foreclosure information" on Google) for valuable resources.