There are ways to save your home, but it’s going to take work. One little mis-step on your part, could cost you your home. With that being said, don’t be enticed by the offers for paid help. These are typically scams. Advice is FREE!

I’ve seen people lose their home because they didn’t spend $3 more at the Post Office to get signature and delivery confirmation for their loan modification payment. Instead, the payment didn’t get processed until after the due date and the lender sold the home at foreclosure. While the homeowner firmly believes the lender was at fault for not processing its mail faster, the burden of proof is on the homeowner. Without documentation to support your claim, your argument is useless and your home may be sold.

The heartbreaking stories don’t end, and the first question I always ask people is if they’ve called for help. Free help is out there — use it. Our tax dollars pay for certified HUD housing counselors to help walk you through the process. It doesn’t mean you can sit back and relax, but it gives you guidance and someone to talk to throughout the process. If you fail, at least you know you took every step possible to save your home.

In Kansas City and the Cleveland area, finding help is as simple as picking up the phone and dialing 211. We’re all familiar with 911 — this is 211 for United Way and the three digit code works the same way as when you dial the three digit emergency code.

United Way is a great starting point to find a foreclosure counselor near your home. It’s one-stop shopping.

Or, you can try these agencies:
Kansas Organizations
El Centro, Inc. Kansas City, KS 913-677-0100
Harvest America Kansas City, KS 913-342-2121

Missouri Organizations
Catholic Charities KCMO 816-221-4377
Greater Kansas City Housing Information Center KCMO 816-931-0443
HomeFree—USA KCMO 816-822-7241
Legal Aid of Kansas City KCMO 816-474-6750
NHS of Kansas City KCMO 816-822-7703 ext. 215

Ohio launched the website, “Save the Dream Ohio,“to help homeowners find the resources they need. This site links to 37 certified housing counselors that can help. They’re broken down by location.

In other states, you can search the HUD database or use the NeighborWorks database.

Note — some of these agencies have other duties like helping homeowners with utility assistance or other legal and housing problems. All the agencies have different caseloads and staff so find the agency that you feel best fits your needs and timeframe.