There are lots of online tools available for homeowners facing foreclosure and/or those having difficulty with their mortgage payments. These tools might be helpful if you’re in an adjustable rate mortgage which is to reset to a higher interest rate, or even for those facing job loss or other financial hardships.Below are a few tools I’ve found which would help you understand your options and determine exactly what is available to you.

These are kits only, so don’t hesitate to contact me if you ‘d like me to take a look at your situation. As a qualified mortgage professional I’ve been working with lots of homeowners facing hardship. I have been helping them to understand their mortgage and find long term solutions. I don’t charge for this and would be more than willing to sit down with you for a consultation.

1. 13 Homeowner Solutions to Avoiding Default & Foreclosure™ – This is a public education and outreach service for borrowers distributed by HUD, VA, FHA, Fannie Mae, Freddie Mac, FBI, Congress and the industry.
2. Mortgage Reality Check - This tool will help you determine the type of situation you are and it recommends solutions. It is in a quiz format. It will take you a couple of minutes to answer all the questions.
3. Save Your Home Kit – TheMortgageMess.Com now has state specific kits to help you save your home and avoid foreclosure. The Arizona kit costs $47 and from what I can tell from its website, this looks like a legitimate business with a good product.

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