Mortgage Crisis

If you are a homeowner facing foreclosure, you are not alone. We have compiled a list of trusted resources that may be able to assist you.

Ohio

The Home Ownership Center of Greater Cincinnati
2820 Vernon Place
Cincinnati, OH 45219
513-961-2800
FAX: 513-961-8222
http://www.hometoday.cc/

The Home Ownership Center is a private, non-profit partnership of businesses, residents and government that provides foreclosure avoidance counseling as well as helping individuals prepare for, buy and maintain a home. Home loan officers provide free training and consultation regarding home appraisal and the mortgage loan process.
The Home Ownership Center of Greater Cincinnati is a charter member of NeighborWorks America. http://www.nw.org/network/home.asp

United Way of Greater Cincinnati
2400 Reading Road
Cincinnati OH 45202-1478
513-721-7900
Fax: 513-762-7146
(In Hamilton County, dial 2-1-1)
http://www.uwgc.org/

When you dial 2-1-1, United Way of Greater Cincinnati connects you with a trained information and referral specialist who will listen to your needs and then refer you to  available human services that can help with these and other concerns. This is a FREE and confidential service. In UWGC’s “Tools for Tough Times” you can find information and resources, including what to do if you are behind in your mortgage payments, how to prevent foreclosure, and how to avoid scams.

HOME (Home Opportunities Made Equal)
2400 Reading Road, Suite 404
Cincinnati, OH 45202
513-721-4663
800-658-0263
fax: 513-721-1642

HOME serves the Greater Cincinnati Metropolitan Area, including communities within the counties of Hamilton, Butler, Clermont and Warren, Ohio, and Campbell, Kenton, and Boone, Kentucky. HOME works to help homeowners in Hamilton County avoid foreclosure and predatory lending. The HOME Foreclosure Prevention Program is staffed by individuals experienced in mortgage lending that provide negotiation services with lenders, objective advice on refinancing and possible access to government emergency mortgage assistance funding.
HOME is a United Way Agency.

Better Housing League
Consumer Credit Counseling League
215 E. 9th Street, Suite 200
Cincinnati OH 45202
513-721-6855
http://www.betterhousingleaguecincinnati.com/1.html

The Better Housing League of Greater Cincinnati (BHL) is a non-profit organization that specializes in foreclosure prevention counseling. Through intensive case management-type counseling, that includes working with both loan services and their customers, as well as emergency mortgage assistance, BHL strives to keep families in their homes.

BHL counselors are HUD certified and have NeighborWorks Certification.

Homeownership Preservation Foundation
888-995-HOPE
http://www.995hope.org/

Homeowner’s HOPE™ is a counseling referral service provided by the Homeownership Preservation Foundation which will work with you to find a solution to individuals facing foreclosure. The counselors for the 888-995-HOPE™ hotline are provided by nine leading HUD-approved nonprofit allies. Spanish-speaking counselors are also available. This service is free.

Legal Aid
215 E 9th St # 200
Cincinnati, OH 45202
513-241-7266
http://www.lascinti.org
Legal Aid takes cases to help clients resolve housing problems such as preventing lockout or utility cutoff by landlords and by representing individuals in eviction and foreclosure cases.

NID – HCA
524 W. Liberty Street
Cincinnati OH 45214
513-579-0777
http://www.nidonline.org

The NID-HCA default/foreclosure-counseling program to date has a 95% success rate in avoiding client lose of property due to foreclosure (without the client filing a bankruptcy). NID-HCA works with your lender to negotiate the best terms available for all parties involved. NID-HCA will discuss extensively with the client issues such as, how to avoid foreclosure, options to foreclosure, communicating with your lender/service, renegotiating your loan terms, managing your debt and re-establishing your credit.

NID provides HUD approved counseling.

Save the Dream: Ohio’s Foreclosure Prevention Effort
888-404-4674
http://www.com.ohio.gov/SavetheDream/

The Save the Dream website is a comprehensive resource that offers answers to many typical foreclosure-related questions, how to recognize predatory (deceptive) lending practices, steps in the foreclosure process along with a timeline showing what you can expect and when, rental information relating to a renter’s rights during foreclosure, details on how to work with your mortgage servicer, mediation, and local, state and federal resources.

SmartMoney Community Services
19 W. Elder Street
Cincinnati OH 45202
513-241-7266
fax: 513-361-4783
http://www.smart-money.org

SmartMoney Community Service offers financial services and education and homeownership training. The Financial Education Program is designed to equip participants with the knowledge and tools necessary to achieve economic self-sufficiency.

The SmartHome Ownership Workshop is a free six-week course that educates potential first-time homebuyers on the various aspects of purchasing a home, such as money management, the role of the realtor, finding the right house, choosing a mortgage and other related topics. SmartHome Pre-Purchase Counseling sessions take a more in-depth look at factors affecting a homebuying decision such as basic budgeting and clearing up derogatory credit.

WIN  (Working in Neighborhoods)
1814 Dreman Ave
Cincinnati, OH 45223
513-541-4109
fax: 513-853-3944
http://www.wincincy.org/

WIN’s Homeownership Preservation program helps families gain equity and strengthens neighborhoods by increasing home ownership. All of WIN’s houses are sold to families who agree to live in the community at least 10 years.

Neighborhood Housing Services of Hamilton, Inc.
100 S. Martin Luther King Blvd.
Hamilton OH 45011
513-737-9301
http://www.butlercountynhs.org/

Neighborhood Housing Services, Inc., (NHS) is a private nonprofit lending business serving Butler County that provides loans for home purchase, home rehabilitation and downpayment/closing cost assistance. We also provide pre and post purchase housing counseling.

NHS is a chartered member of NeighborWorks America.

LifeSpan Inc
3 locations:
1900 Fairgrove Avenue
Hamilton, Ohio 45011
513-868-9220

5750 Gateway, Suite 101
Mason, Ohio 45040
513-934-1330

1001 Grove Street
Middletown, Ohio 45042
513-424-6888

www.lifespanohio.org
Toll Free: 888-597-2751

A private not-for-profit agency LifeSpan Inc., serves the residents of Butler and Warren Counties. Founded in 1945 LifeSpan has built a reputation for offering innovative, cost-effective programs for individuals, families, groups and schools serving people at all points on the span of life.

Kentucky

Brighton Center
799 Ann Street
Newport KY 41071
859-491-8303
http://www.brightoncenter.com/

Home Ownership Services educates individuals in the home ownership process through classes and one-on-one counseling in mortgage delinquency and default, and additional post-purchase counseling. Program funding is provided by United Way, State, Federal and private funding.

Catholic Charities, Diocese of Covington
859-581-8974
fax 859-581-9595
http://www.covingtoncharities.org

Catholic Charities of the Diocese of Covington provides Housing Support Services, such as post-purchase classes and counseling to prevent mortgage delinquencies and to provide necessary information regarding predatory lending practices. Services are readily available in Spanish and English.

Catholic Charities is a HUD-approved agency.

Legal Aid of the Bluegrass
104 East 7th Street
Covington KY 41011
859-431-8200
http://www.lablaw.org/captialcampaign/

Legal Aid of the Bluegrass provides civil legal assistance in 33 northern and central Kentucky counties. These services include Homebuyer Education Programs, Mortgage Delinquency and Default Resolution Counseling, Postpurchase Counseling, Predatory Lending, Prepurchase Counseling, Renters Assistance and Services for the Homeless.

Protect My Kentucky Home
Homeownership Protection Center
866-830-7868
http://www.kyhousing.org/protect/

The Kentucky Homeownership Protection Center provides a centralized location for information on public services to assist Kentuckians in keeping their homes. Homeowners can find information on the foreclosure process, utility assistance and home repair assistance to make smart choices and avoid losing their homes.

CCCS of the Midwest
11 Shelby Street
Florence, Kentucky 41042
800-355-2227
http://www.cccservices.com/

Services include Home Equity Conversion Mortgage Counseling, Marketing and Outreach Initiatives, Money Debt Management, Mortgage Delinquency and Default Resolution Counseling, and Post-purchase Counseling. CCCS also has an online “Mortgage Reality Check Quiz” at http://www.housinghelpnow.org/MortgageQuiz.cfm that will help you determine your risk for foreclosure.

CCCS is a HUD-approved agency.

Indiana

Dearborn/Ohio Counties Bar Association
318 Walnut Street
Lawrenceburg, IN 47025
812-537-3522

Indiana Foreclosure Prevention Network
877-GET-HOPE
http://www.877gethope.org/

This website was created to provide thousands of Hoosiers who may be facing foreclosure access to free and unbiased information and confidential counseling. The website is part of a statewide initiative designed to assist Hoosiers who are in danger of losing their homes. The Indiana Foreclosure Prevention Initiative was developed by a coalition of community organizations, housing-related agencies, government agencies, lenders and banks, known as the Indiana Foreclosure Prevention Network (IFPN). Through this unique partnership of the public, private and nonprofit sectors, a toll-free helpline, 1-877-GET-HOPE.

Indiana Housing & Community Development Authority
877-457-8283
http://www.in.gov/ihcda/

Homeowners seeking assistance are paired with a counselor, who can connect them to a statewide network of agencies to provide free, one-on-one help.

Southeastern Indiana Community Preservation & Development Corporation
405 W. US 50
Versailles, IN 47042
812-689-5505
fax: 812-689-3526
http://www.sirpc.org/php/index.php

HUD-approved Counseling Agency

National

NeighborWorks America
National Foreclosure Mitigation Counseling Program
Find a Foreclosure Avoidance Counselor
http://www.findaforeclosurecounselor.org/network/nfmc_lookup/

Making Home Affordable
This government program was put in place to assist homeowners who are activity making the effort to pay their mortgage. Find out more about the program here http://www.financialstability.gov/roadtostability/homeowner.html.
View the summary of guidelines here : http://www.treas.gov/press/releases/reports/guidelines_summary.pdf .
If you are delinquent in mortgage payments, you may be eligible for Home Affordable Modification. Find out more by visiting http://makinghomeaffordable.gov/modification_eligibility.html.
You may be able to refinance to reduce your monthly mortgage payments. View the Home Affordable Refinancing eligibility guidelines at http://makinghomeaffordable.gov/refinance_eligibility.html.
IMPORTANT: You need to initiate this with your lender. The lender cannot offer this as an option.