Set an Appointment

Avoid Foreclosure

Are you struggling to pay your mortgage?

Facing a possible foreclosure is one of the most worrying and devastating positions a homeowner can be faced with. Whether you’re actively dealing with a foreclosure, possible bankruptcy, or a potential risk, UHA is here to help.

Don't wait until the end of forbearance.

Under the CARES Act, for loans backed by FHA or USDA, your lender or loan servicer cannot foreclose on you until after March 31, 2021. For loans backed by VA, Fannie Mae or Freddie Mac, they cannot foreclose until after February 28, 2021.

Don't wait until these deadlines — know your options for foreclosure avoidance and prepare now.

Know the Facts and How to Avoid It.

DMV Foreclosure Activity 2019 - 2020

District of Columbia
• Counter to the national trend, Washington DC posted year-over-year increases (highest 8%) in foreclosure starting in the first half of 2019
• Counter to the national trend, Washington DC posted Q2 2019 foreclosure activity total 22% above their pre-recession average

District of Columbia (Foreclosure activity increased from Sept to Oct 2020)

Maryland
• One of the states with the highest foreclosure rates in the first half of 2020
• Ranked in the top 3 states with the highest foreclosures in the first half of 2019

Maryland (Foreclosure activity increased from Sept to Oct 2020)

Virginia
In the month of October 2020 alone, the number of new foreclosure filings compared to the 30-year interest rate has increased and is the highest this year since April 2020

Virginia (Foreclosure activity increased from Sept to Oct 2020)

Steps to Avoid a Foreclosure

Are you in a position where your home may be foreclosed? Has the bank threatened to foreclose your home? Have you already received a foreclosure letter?

Step 1

Set up an appointment with UHA to find out the details of how we can help.

Step 2

Know your options for foreclosure:

  1. Loan Modification
  2. Government Mortgage Relief Programs

Be Aware of Fraud

If you’ve been contacted by a foreclosure prevention or “rescue” agency, protect yourself from fraudulent practices:

  • Avoid companies that want you to make mortgage payments directly to them, or who tell you not to speak with your current mortgage company or to an attorney.
  • Don’t trust investors who offer to pay off your mortgage if you sign over the deed to your home. Typically, in these scams, the investor then rents your home back to you or another tenant but doesn’t make the mortgage payments, resulting in foreclosure.
  • Get all promises and agreements in writing, and do not sign anything until it has been reviewed.
Get Started Today
Let us provide financial assistance, honest resources, late payment guidance, repayment plans, and personalized solutions for you. Call 1-800-281-3UHA (3842) or email us at help@uhusa.org. Available from 8:00am – 5:00pm.

We’ll guide you through the various options to provide you with the best outcome for your situation.