Mortgage Default Counseling
For homeowners facing mortgage default or foreclosure, the housing counselors at ClearPoint Financial Solutions (dba ClearPoint Credit Counseling Solutions) can provide you with a free,* confidential, housing counseling session.
In person or by phone, we’ll take stock of your income and expenses and discuss your possible options:
- a short sale
- a loan modification
- a debt repayment plan
- a deed-in-lieu of foreclosure
- a forbearance
- a bankruptcy
ClearPoint’s housing counselors will let you know if you’re likely to benefit from federal foreclosure assistance including:
- Making Home Affordable Program
- Home Affordable Foreclosure Alternatives Program (HAFA)
- Cash for Keys
- Home Affordable Refinance Program (HARP)
- Home Affordable Mortgage Program (HAMP)
- Deed for Lease Program
- Specialized In-House Lender Programs
If you are not able to avoid foreclosure, we’ll discuss the foreclosure timeline and how you might emerge from the situation with your finances as in tact as possible.
In some cases, clients will be escalted from our Level 1 to Level 2 counseling session. In the latter, counselors communication with with clients’ lenders or loan servicer to work out a solution with their mortgage. Counselors will also assist in writing hardship letters and in understanding and completing documentation required by the lenders.
ClearPoint Financial Solutions (dba ClearPoint Credit Counseling Solutions) is a HUD-approved housing counseling service.
Frequently asked questions about our Mortgage Default Counseling.
Call ClearPoint at 1.877.422.9040 to schedule an appointment with an experienced housing counselor—in person at a branch office or by phone and take the first steps toward resolving your delinquency.
Articles on Foreclosure:
- Foreclosure counseling: Who to trust when trying to save your home. Read the article.
- Avoiding foreclosure rescue scams. Read the article.
Related Video:
- See how a typical foreclosure mitigation or default counseling session works.
*The cost of the counselings are currently covered by foundation, corporate and government grants.
