Mortgage Help for Homeowners
Olive Hill CEDC is available to address your most challenging mortgage inquiries and guide you towards achieving success in homeownership. If you're falling behind on your mortgage, We can assist you by:
- Understanding options for mortgage relief by working with your mortgage lender/servicer
- Preventing foreclosure and alleviating stress
Avoid costly mortgage mistakes
Explore mortgage delinquency, forbearance, and loan modification programs.
Engage with your mortgage company for favorable outcomes.
Ensure you can sustain homeownership and remain in your home.
If you're struggling to pay your mortgage or if you're considering refinancing, it's important to address these concerns proactively. There are various options and resources available to help you navigate these challenges.
Whether it's exploring mortgage assistance programs, discussing loan modification with your lender, or seeking professional financial advice, we're here to assist you in finding the right solution for your specific situation.
Let's work together to ensure that you have the support and information you need to make informed decisions about your mortgage.
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“You Have Options".
"You Don’t Have to Face Foreclosure Alone.”
Get Mortgage Help today - call to discuss your issue.
828-475-4620
Facing Mortgage Trouble? Start Here
If you are behind on your mortgage, have received a foreclosure notice, or are concerned that you may not be able to make your next payment, contact Olive Hill CEDC as soon as possible.
Our HUD-certified housing counseling services can help you understand your situation, communicate with your mortgage servicer, review available loss-mitigation options, and develop an action plan for keeping your home when possible.
What to Bring to Your Counseling Session
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Most recent mortgage statement
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All recent letters/notices from your mortgage company or foreclosure attorney
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Foreclosure/court documents and sale date, if applicable
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Most recent 30 days of pay stubs or other proof of household income
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Social Security Benefit Letter
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Other Income documentation
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Most recent 2 months of bank statements
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Most recent federal tax return, if available
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Current monthly household expenses
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Any loss-mitigation application, modification offer, repayment plan, denial, or other documents received from your mortgage servicer
If Self-Employed: Provide your most recent two years of federal tax returns, a current year-to-date Profit and Loss (P&L) Statement, and recent business bank statements (generally the most recent 2–3 months). If available, also bring documentation of any other business income you receive.
Don't delay asking for help because you don't have every document. Complete the Intake Application and bring what you have. Your housing counselor will let you know what additional information is needed.