Government Foreclosure Prevention Programs
Special workout options are available to you if your mortgage is owned or insured by Fannie Mae, Freddie Mac, the Federal Housing Administration (FHA), the Veterans Administration (VA), or the Rural Housing Service (RHS). Read the articles below to learn if you can take advantage of one of the foreclosure prevention programs for these kinds of loans. Also, learn about the different types of government help that’s potentially available if you’re the victim of a natural disaster.
If you have an FHA-insured loan and are struggling to make mortgage payments, HUD has programs to help you avoid foreclosure.
If you have an FHA loan, you’re entitled to a special loss mitigation process to help you avoid a foreclosure. But the foreclosure itself isn’t any different.
If you get an SBA disaster loan and put up your home or other real estate as collateral for the debt, you might lose the property to a foreclosure if you later default.
Eligible South Dakota homeowners can get a loan of up to $25,000 to pay their mortgage payments or a grant of up to $5,000 to pay utility costs.
If you are a veteran and are struggling to make your mortgage payments, you may be able to refinance with a VA streamline refinance loan or refund the loan with the VA.
If you have a VA-guaranteed loan, the foreclosure process is the same as for other types of loans—but the servicer has to give you every opportunity to avoid foreclosure.
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