It
will help your servicer and speed processing of your application iof
you gather some information and documents before you call. You
will need:
Information
about the monthly gross income of your household, inculding recent pay
stubs if you receive them or documentation of income your receive from
these sources.
Your most recent income tax return
Information about your assets
Information about any second mortgage on your home
Account balanaces and minimum monthly payments due on all your credit cards
Account balances and monthly payments on all your other debts such as student loans anhd car loans.
A
letter describing the circumstances that caused your income to be
reduced or expenses to be increased (job loss, divorce, illness, etc.)
Beware of Foreclosure Rescue Scams - Help is Free!
There should never be a fee for information or assistance about Making Home Affordable Program,
Beware
of any person or organization that asks you to pay a fee in exchange
for a counsing service or modification of a delinquent loan. Do not pay - walk away!
Beware
of anyone who says they can "save" your home if you sign or transfer
over the deed to your home. Do not sign over the deed to your
property to any organization or individual unless you are working
directly with your mortgage company to forgive debt.
Never make your mortgage payments to anyone other than your mortgage company without thier approval.
If you would like to speak to a housing counselor you can all 1-888-995-HOPE(4673).
HUD-apprioved housing counselors can help you evaluate your
income and expenses and understand your options. This counseling
is FREE.
See also the links above to Fannie Mae and Freddie Mac.
Information Provided by:
Susan Hines Home Mortgage Consultant Wells Fargo 663 Route 739 Lords Valley Hawley, PA Website
Related News
March 4, 2009
Mortgage Problem? Get Local Help!
Pictured: l-r
Richard A. Caridi, PC Commissioner, John Gilpin, PC Treasurer and UWPC
Board Member, Joe Casmus, DVHS Principal and UWPC Board Member, Harry
Forbes, PC Commissioner, Christine Obser, Director PC Human
Development, Karl A. Wagner, PC Commissioner and Robert Veneziale, UWPC
Board Member.
A recent news
article reported that in 2008 there were 864 filings for foreclosure in
Pike County and this was an increase of 20 percent compared to 2007.
The number of foreclosures and levies continue to rise in Pike County
and all across the country. Local agencies and non-profit
organizations are hosting a free seminar to help homeowners having
trouble with their mortgage or in fear of foreclosure. The same
seminar will be held on two dates: Thursday, March 19 from 7PM-9PM or
Friday, March 27 from 12PM-2PM in the Commissioners’ Conference Room in
the Pike County Administration Building in Milford, PA. This
informative seminar is sponsored by: the Pike County
Commissioners/Human Development, Delaware Valley School District,
NorthPenn Legal Services, Neighborhood Housing Service of Lackawanna
County, and the United Way of Pike County.
Pre-registration is a must. Seating is limited to the first 50 people.
To pre-register or for more information, call the United Way of Pike
County at 570-296-9980 or 888-306-6963. If you or anyone you know
is having trouble paying your mortgage there may be help available.
There is no cost for this seminar but space is limited so sign up today.
January 9, 2009
PikePaHelp.org Offers HELP to All in Pike County
Picture:
PikePaHelp.org has a listing of human, health, public, community or
other essential services available to the people of Pike County.
There is a
wonderful resource for those of you who are concerned about the cold
winter and chilly economic climate we all find ourselves in. PikePaHelp.org,
managed by the United Way of Pike County, is an online database of over
200 human service agencies and organizations that provide human,
health, public, community or other essential services to the people of
Pike County. The site was recently reformatted using the latest
web application platform and also has a fabulous new look thanks to our
site host, Michael Sumerano of Sumerano.com.
Since
not everyone has computer access, the United Way published a book of
the online directory and distributed it to county and township
administrative buildings, schools, libraries, churches, and many human
service agencies – any place that has great public access.
Special thanks to the Pike County Youth Coalition for helping put the
books together and distributing them throughout the county.
Brochures entitled “Find Help Now” are also available throughout Pike
County with a listing of agencies that offer assistance. The goal
of the United Way is to help build and support the human services
infrastructure in the county and to aid the members of our community in
need with finding the resources available to them.
The directory and brochure are posted in PDF format on the PikePaHelp.org and United Way of Pike County website at www.unitedwaypike.org for anyone to download and print their own copy; direct link to the directory and brochure.
Support for this program was made possible by the United Way of Pike
County, a Monroe/Pike Community Services Block Grant and the Pike
County Human Services Development Fund. For more information
about the United Way of Pike County, any of its programs, or to make a
donation, visit www.unitedwaypike.org,
or call toll free 888-306-6963 or 570-296-9980. “What Matters”,
“Offering Hope – Building Futures” – It’s the United Way!
Offering Hope - Building Futures - Its
the United Way!
United
Way of Pike County
Mail: PO Box 806, Milford PA 18337
Office: 105 West George Street, Milford PA 18337
(888) 306-6963 or (570) 296-9980 / Fax (570) 296-5571
Email: uwpc@ptd.net
