Avoid Foreclosure: Kentucky

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Don't lose your home! Here is some guidance on default and foreclosure prevention.

Seek Help Early

	Kentucky Mortgage Assistance Guide - A guide to refinancing, avoiding foreclosure, and the mortgage servicing settlement
	Steps to take - act now if you think you will be unable to pay your mortgage
	FREE HUD-approved housing counseling - local agencies that provide FREE foreclosure avoidance counseling
	(888) 995-HOPE (4673) - FREE foreclosure prevention counseling on the phone or online
	HOPE NOW Alliance - learn about HOPE LoanPort™ and find a counselor
	Unemployment Bridge Program (866) 830-7868 - mortgage assistance for unemployed or underemployed Kentucky homeowners

Seek Help Working with your Lender

	FHA National Servicing Center - (877) 622-8525 - for FHA-insured loans only
	VA Foreclosure Alternatives (Fact Sheet)
	USDA/RD Home Loan Servicing Center - (800) 414-1226 - for USDA-direct loans only; for USDA-guaranteed loans, contact your servicing lender
	Fannie Mae Know Your Options
	Kentucky Housing Corporation (800) 633-8896 - servicing company for Kentucky state housing finance agency homeownership loans

Avoid Scams

	Know It. Avoid It. Report It
	Recognizing, Avoiding and Reporting Scams
	Beware and avoid scams
	Recognize predatory lending
	Bankruptcy scams

Educate Yourself

	Important state loan modification scam rules and laws
	Kentucky foreclosure law summary
	Legal assistance
	Homeowners in bankruptcy