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To buy or not to buy: Pre-purchase counseling
Our counselors will meet with you to review your income and expenses
and help you determine the amount of mortgage that you can afford. We
will also talk about the responsibilities of home ownership so you can
understand what becoming a homeowner really means.
Default /Delinquent Mortgage Counseling
Each of us at some point in time has run into financial issues that have
put a strain on our income or expenses. We understand that getting behind
in payments should not be embarrassing to you or your family. We provide
confidential counseling to determine what has caused the problem and work
together to find the resolution. You may have been referred to us from your lender,
as we have been able to help out thousands of families get their
finances back in order.
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Foreclosure Prevention Counseling
Struggling to keep your house? Now there is someone
who can help!
Consumer Credit Counseling Service of Southwest Georgia, in partnership with
the Georgia Department of Community Affairs and NeighborWorks-America, is
now offering FREE foreclosure prevention counseling to homeowners
in South Georgia.
This free foreclosure counseling service can be received in person or by telephone and includes:
- Assessment of your mortgage, including payment status and urgency in the
delinquency and foreclosure process
- General discussion of foreclosure
- Development of loss mitigation options
- Development of steps to be taken by you and by our certified counselor
- Communication with servicer
- Submission of loss mitigation package to servicer
- Written action plan for avoiding foreclosure or other homeowner preference
- Follow up support for homeowner
- Contact information for available community services
How Does Is Work?
If you face foreclosure on your home, you are not alone. Georgia ranks at the top of the
list when it comes to the number of homeowners facing foreclosure. If you think you qualify
for free foreclosure intervention and default counseling, call our Albany office today to
schedule an appointment.
To prepare for your scheduled appointment, please gather as much of the information below
to bring to our office. Some of these items are simply topics that will be discussed with the
foreclosure counselor during your appointment. But don’t worry. If there is something you don’t
understand our counselors are here to walk you through the process.
- Your goals and intent regarding ownership of your home
- Reason for the delinquency or default
- Your financial situation and possibility of working out issues
- Type of home loan you received
- The value of your home and its condition
- Credit report
- Original loan documents, if available
- Demographic information, including contact info, household size, household income, etc.
Call today for an appointment!
(229) 883-0909 or (800) 309-3358
Funding for this free counseling service provided by the National Foreclosure Mitigation
Counseling Program. Approved by Congress in the FY08 Consolidated Appropriations Bill,
the program is administered through a competitive application process by NeighborWorks America,
within guidelines defined by Congressional legislation. NeighborWorks America is an independent,
Congressionally-chartered non-profit organization based in Washington, D.C., with a mission to
provide access to sustainable homeownership and safe, affordable rental housing.
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