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Foreclosure Prevention Tools

This is a rider to a loan modification agreement indicating that a loan modification agreement does not affect the fact that the homeowner’s chapter 7 bankruptcy has discharged the homeowner’s personal liability on the mortgage loan.

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This is a rider to a loan modification agreement indicating that if the homeowner sells the property then the full amount of the mortgage loan is accelerated and due immediately.

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This six-page checklist provides advice for homeowners to avoid foreclosure—steps to take before payment troubles start, other steps when things begin to feel tight, steps when starting to fall behind on payments, and other important information.

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This is a form that a homeowner can sign to authorize a housing counselor or attorney to obtain information about their mortgage loan from the mortgage servicer or other entity.

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This six-page intake form obtains client information concerning a threatened foreclosure:  basic information about the homeowner, the home, the mortgage, other mortgages and liens, an income budget, an expense budget, information on other debts and assets, and a comparison of income to expenses.

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