Mortgage Default Counseling

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If you’re facing possible foreclosure, the certified housing counselors at ClearPoint Credit Counseling Solutions (CCCS)* will provide you with a confidential, no-cost session to help you understand your options.

In your one-on-one counseling, we’ll review your income and expenses and advise you on your viable options, be it:

  • a short sale
  • a modification
  • a repayment plan
  • a deed-in-lieu of foreclosure
  • a forbearance
  • a bankruptcy

You will learn about the foreclosure timeline and steps to take to avoid foreclosure. Our counselor will offer assistance in dealing with your lender, provide information on avoiding scams and explain how to avoid predatory lending.

ClearPoint’s housing counselors will let you know if you’re likely to benefit from federal and state 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
  • State Specific Programs

ClearPoint Credit Counseling Solutions is a U.S. Department of Housing and Urban Development (HUD)-approved housing counseling provider.

Due to grant funding, this service is offered at no charge.

Call ClearPoint at 1.877.412.2227 (CCCS) 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.

When grant funding permits, we offer an “Alternatives to Foreclosure” workshop and Webinar. When facing the prospect of foreclosure, our workshop will help homeowners experiencing financial hardships to understand the foreclosure process, options available and the next steps. Clients will also learn how to spot and avoid foreclosure recovery scams.

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