Helpful Resources
Apply Online for Assistance - Easy to use, quick response.
Foreclosure Scams - Borrower Beware - Warning signs of scams, tips to avoid scams, reporting a scam.
Making Home Affordable - Summary - Easy to understand summary of President Obama's new plan.
List of Lenders and Servicers - Comprehensive list of lenders and servicers that NHSGC works with (added to daily).
Tips for Avoiding Foreclosure - Learn how to avoid foreclosure and what to do if experiencing difficulty.
Timeline of Delinquency, Default and Forelcosure - see a map of the timing process from start to finish.
Cuyahoga County Foreclosure Prevention Initiative
Foreclosure Prevention
Nothing Is Worse Than Doing Nothing
Unfortunately more than half of homeowners facing foreclosure do not call for help when they begin to fall behind in their payments. However, the early stages of delinquency are the most crucial - homeowners who are one or two payments behind are more likely to keep their homes than those who have fallen further behind on their payment schedule.
NHSGC is involved in numerous programs and services to preserve the American Dream of homeownership. To be effective and successful the homeowner needs to do two things:
- Know whether or not they want to keep their home.
- Pick up the phone and make the call:
- 2-1-1 in Cuyahoga County
- NHSGC offices at 216.458.HOME (4663) in Cuyahoga, Lorain, Erie or Huron Counties
- In Medina County, call toll free 330.764.HOME (4663)
- The State of Ohio's Save the Dream hotline at 888.404.4674
No one should ever pay a third party to intervene on their behalf to prevent foreclosure. NHSGC, as well as a host of other agencies across the county and state, provides free, unbiased and accessible programs and services to prevent foreclosure.
Restoring Stability - Hardest Hit Funding
Starting Monday, September 27, 2010, Ohioans struggling to pay their mortgages can apply for assistance under the U.S. Department of Treasury’s Hardest Hit Fund. Ohio has been awarded $320 million, to be administered by the Ohio Housing Finance Agency (OHFA) to help 26,000 families who are at high risk of mortgage default or foreclosure.
Through Restoring Stability: A Save the Dream Ohio Initiative, the State of Ohio has designed four programs to help homeowners who have a temporary or permanent reduction in income. Ideally these programs may be able to help homeowners who have experienced a financial hardship stay in their homes or exit their homes gracefully and avoid a foreclosure that could seriously damage their credit rating.
For more information on this program click here:
Restoring Stability
Apply Online For Assistance
Lessen the time needed to reach resolution on your case, apply online here:
Online Application
Foreclosure Scams
Warning signs of scams, tips to avoid scams, reporting a scam click:
Borrow Beware - An NHSGC Consumer Guide
Making Home Affordable - Summary
For the most informative summary of President Obama's latest plan click:
Making Home Affordable - Summary
List of Lenders and Servicers
Comprehensive list of lenders and servicers that NHSGC has experience with (added to daily) click:
List of Lenders and Servicers
Tips for Avoiding Foreclosure
For the most informative list of ways to avoid foreclosure click:
Tips for Avoiding Foreclosure
Timeline of Deliquency, Default and Foreclosure
See the map of the timeline from start to finish of the foreclosure process click here:
Timeline of Deliquency, Default and Foreclosure
Cuyahoga County Foreclosure Prevention Initiative
Countywide collaborative to proactively reduce foreclosures and sustain homeownership click:
Cuyahoga County Foreclosure Prevention Initiative
Apply for assistance in avoiding foreclosure here.
