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This site is designed to help Idaho homeowners find answers to the questions looming ahead about mortgages, the housing market, and potential pitfalls that may derail homeownership plans.
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With daily reports from the media about the stricter lending standards and the amount of homes being foreclosed on, it is easy to become overwhelmed with the situation. To help you out, we have created a consolidated resource center to connect you with information to help you to determine the status of your own loan or home.
If you are encountering difficulties, think you might encounter difficulties, or just want to know more about how the lending and housing market impacts your real estate investment, utilize the resources provided here.
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If You're Worried About Your Loan
If you have any concerns about your loan, whether it is an adjustable rate mortgage or an interest-only loan, the very first thing you should do is contact your lender. Call the person you worked with who originally approved the loan. Your lender may be able to help you work out a solution before there is really a problem. Lenders can be flexible in the options they offer and should be able to work with you to arrive at a solution that ensures that you stay in your home.
If you are already in trouble and are not sure what steps to take, call your lender. Your lender may be able to develop a solution that will keep you from foreclosure and help you to re-establish solid footing. If the person you worked with to get the loan is no longer at that company, contact the local office. The local office should have access to your file and be able refer you to a new loan officer who can work with you. If the lender has gone out of business, call the toll free number printed on your mortgage statement. This should direct you to the company headquarters who can either assist you directly or let you know which company is now responsible for your loan.
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Call 1-888-995-HOPE to be connected with a counselor who will listen to you and help you to get back on track to keep your home. Use our site to find resources that can educate you about the available options and can connect you to someone who can help.
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