For homeowners, the thought of losing your home in a foreclosure is frightening. Your mortgage payment is usually your single largest financial obligation. If you find that you are unable to make your mortgage payment, ByDesign™’s certified housing counselors can help.

Confidential, one-on-one counseling is available to help you to review your current financial situation and to develop a workable plan to meet your needs. In your counseling session, our counselor will review your income and your expenses and help you to develop a realistic budget. Our counselor will then discuss the options available to enable you to meet your mortgage obligations. We will determine the cause of the delinquency and discuss with you the appropriate actions to cure your delinquency and, if possible, avoid foreclosure.

Our counselor will offer assistance in dealing with your lender, provide information on avoiding scams that may cause you to lose your home, and explain how to avoid predatory lending.

You will learn about the foreclosure timeline and the appropriate steps to take to avoid foreclosure. Our counselor will review all the options available for you to bring your mortgage current.