Owner Avoid Foreclosure

Avoid Foreclosure

The following resources are available to help South Carolina homeowners who may be struggling to pay their mortgages.

Resources available for SC Housing customers:

If you think that your next mortgage payment may be late, or if you are already behind with your payments, the most important thing you can do to help prevent foreclosure is contact SC Housing immediately.

If you make an arrangement to pay your SC Housing mortgage, please call us toll-free at 800.476.0412, and choose Option 6 to speak to a loan counselor. Never assume that your situation is hopeless and disregard letters and calls from SC Housing.

SC Housing customers can contact the loss mitigation department, toll-free, at 800.476.0412, and choose Option 5. Click this link request a Loss Mitigation Review. We want to work with you to explore all options and alternatives to foreclosure.

Foreclosure is the last outcome that anyone wants. We need your cooperation to pursue alternatives. Call us today. We are here to help!

Resources available for all homeowners:

The following resources are available for homeowners regardless of their lender. SC Housing makes every effort to keep the following list updated and accurate, but if you have any changes, additions or deletions, please email communications@schousing.com.

  • There are housing counselors available for free at 17 non-profit or government agencies across South Carolina that are approved by the U.S. Department of Housing and Urban Development (HUD). These counselors are available over the phone and in person in Aiken, Beaufort, Charleston, Columbia, Greenville, Myrtle Beach, North Charleston, Orangeburg and Spartanburg. Find the best housing counselor for your needs here. These counselors are trained to help homeowners who are having problems making their mortgage payments. The counselors can help you with budgeting, mortgage delinquency, post purchase education, etc. Some agencies offer support also in Spanish and Cantonese. Counselors can help you find the best option for your situation. Learn more with this “Behind on Your Mortgage Payments?” flyer (it’s also available here in Spanish: “¿Está atrasado en sus pagos hipotecarios?”).

  • The NeighborWorks Center for Foreclosure Solutions is available for any homeowner having trouble making mortgage payments. Please call 888.995.HOPE (4673) a free, high-quality foreclosure counseling hotline. The 888.995.HOPE hotline is staffed by trained professionals from non-profit organizations who can help with your financial situation. You can call anytime of the day or night, 24/7. More information is available at http://www.995hope.org/.

  • If you’re having trouble making your mortgage payments, the Consumer Financial Protection Bureau and other federal agencies have created this Homeowners Guide to Success that takes you step-by-step through your options to protect you, your home and your financial future.

  • The Federal Housing Administration offers tips to help you avoid foreclosure, providing options whether you’re able to remain in your home and even if you can’t keep your home. Learn more in this “Save Your Home: Tips to Avoid Foreclosure” brochure (it’s also available here in Spanish: “Salve Su Vivienda Consejos para evitar una Ejecución Hipotecaria”).

  • HUD offers these tips for those behind on their mortgage payments looking for help, whether you’re interested in special forbearance, mortgage modification or a partial claim. Learn more in this brochure from HUD: “Help for Homeowners Facing the Loss of Their Home.”