Homeowner Links

If you are considering purchasing a house, are in search of an affordable rental house, or are trying to prevent an eviction, there are great tools to get you started on the right path to a place that feels like home and/or organizations with teams who can help you.

Our Sponsors, all national organizations with extensive reach to hundreds of local non‐profit organizations, offer fantastic resources for modest-income residents. From beginning your financial counseling to walking you through every step of the way to homeownership, they have trained, caring members and partners ready to serve you.


 

Freddie Mac’s CreditSmart – Steps to Homeownership Tutorial

Are you a first-time homebuyer required to take a homeownership education course as a qualification for a Home Possible® Mortgage?

This free, interactive tutorial is a smart solution that will teach you how to achieve your financial and homeownership goals. Receive a printable certificate of completion with your name, automatically generated after you successfully complete the quiz. FREE. English only.


 

If you are a homeowner, and are at risk of foreclosure or otherwise struggling with your monthly mortgage payments, there is help. The first step is to contact your mortgage loan servicer. Their telephone number and mailing address should be listed on your monthly statement. Or you can contact them electronically via a web form or email.

You may also access the following resources:

Use the Loan Look-up Tools on the Freddie Mac and Fannie Mae websites to see if either company owns your mortgage.

  • Freddie Mac Loan Look-up: Click here.
    • If Freddie Mac owns your mortgage, visit their “Mortgage Help Resource Center”: Click here.
  • Fannie Mae Loan Look-up: Click here.
    • If Fannie Mae owns your mortgage, visit their “Mortgage Help Center Network”: Click here.

Additional Resources:

  • Set up an appointment with a HUD-approved nonprofit counseling agency in your area. Refer to the U.S. Department of Housing and Urban Development website: Click here.
  • Home Affordable Refinance Program (HARP): If you’re not behind on your mortgage payments, but have been unable to get traditional refinancing because the value of your home has declined, you may be eligible to refinance through HARP. This program is designed to help you get a new, more affordable, more stable mortgage. Click here.
  • Home Affordable Modification Program (HAMP®): If you are having a tough time making your mortgage payments, you may be eligible for HAMP, which is designed to provide deep and meaningful savings for homeowners devastated by non-affordable increases in expenses or reductions in income. Click here.
  • JustShelter.org: Across America there are hundreds of organizations working hard to preserve affordable housing, prevent eviction, and reduce family homelessness. On this site you can click on the map to search over 600 organizations that provide Housing Assistance, Legal Aid, Tenant Rights, or Education & Advocacy. Click here.
  • FDIC Spanish-Language Website: The Federal Deposit Insurance Corporation’s (FDIC) website – “Recursos para Consumidores en espanol,” features links to webinars and video presentations that cover topics such as deposit insurance, consumer protection, and the FDIC’s Money Smart education program. Click here.