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Avoiding Foreclosure

The last thing any homeowner wants to think about is losing the family home. No one expects to lose their house to foreclosure, but by understanding the foreclosure process and what may lead up to it, you can be in a better position to recognize and address potential problems that may impact your ability to make every mortgage payment on time. Read the following tips that will help you avoid foreclosure.

Save Money

Put away some extra cash each month to have an emergency fund in case something unexpected happens, such as losing your job. You should have several months of housing costs saved to protect you from unexpected financial problems.

Reduce expenses

Think about where you can save money; for instance, temporarily canceling your gym membership. By paring down to the bare necessities, you may be able to save a significant amount of money. And even if it doesn't seem like enough of a savings to make a big difference, remember - every little bit helps.

Call your lender

This is the single most important thing you can do. Lenders want borrowers, not properties - they would prefer to see you keep your home. Most will work with you while you get back on your feet.

Be honest with your lender

Different situations require different solutions. It will matter to your lender to know if your financial problems are temporary, for example, due to an injury that puts you out of work for a few months, or are more long term, such as a cut in pay or a layoff.

Know what you owe

Have a clear picture of what your debts are and make your mortgage the priority if you have to make choices. Debt collectors can be very aggressive, but if you can't pay all your debts, make sure your home is protected from foreclosure by paying your mortgage.

Talk to a housing counselor

A non-profit housing counseling agency may be able to help you restructure your bills so that you have an easier time paying them. Additionally, they can help you create a budget that suits your specific needs.

Contact a housing for non-profit

A housing for non-profit can give you valuable advice. The HOPE National helpline, 888-995-HOPE, is dedicated to helping homeowners facing foreclosure 24 hours every day. Spanish - speaking counselors are available.