Get foreclosure help from the NID-Housing Counseling Agency (NID-HCA).
Receive free foreclosure and mortgage assistance from The National Association of Real Estate Brokers-Investment Division, Inc., Housing Counseling Agency (NID-HCA). This is a national, non-profit, HUD approved agency that was created to help address the enormous need of homeowners across the country who may be facing a foreclosure filing. They provide numerous services, resources and aid to families across the nation. The non-profit will administer numerous programs that focus on the historically under served urban, rural, and suburban minority populations. However people of all income, ages and races can receive foreclosure help.
They can assist all individuals and families that have housing needs. Almost all of the foreclosure assistance they provide is free of charge to the borrower. The NID Housing Counseling Agency employs numerous real estate professionals and housing counselors, most of which are from non-profit companies. In addition, if for some reason the organization can’t meet your particular need, they also partner with numerous other charities, government agencies, law firms, and other non-profit groups and can refer homeowners to these agencies or other government programs.
The organization can also provide numerous ways for homeowners to communicate and get information. Counselors are available at numerous office locations around the country, and can be contacted via e-mail, telephone, confidential fax on demand, and they even offer a TDD service for the hearing impaired. In addition they even offer Spanish and Cantonese housing counselors at each location.
Mortgage and foreclosure counseling is always confidential. Homeowners can decide upon either one-on-one counseling and/or a group session or seminar.
Does the NID-HCA provide mortgage help?
Yes. NID-HCA certified mortgage counselors are available at all locations to help you in reducing your interest rate, lowering principal, extending repayment terms, and overall they will help make your monthly mortgage payment more affordable. Counselors are located in communities around the nation, and they are just a phone call always and are available to meet with you in person.
How does the foreclosure assistance program work?
The housing counselor that you will work with at The National Association of Real Estate Brokers-Investment Division, Inc., Housing Counseling Agency (NID-HCA) will contact your bank, lender, or mortgage servicer on your behalf. They will negotiate and explore all possible solutions with the lender in order to find a solution that will benefit both parties. Any agreement that the counselor wants to make with your lender will also need to be approved by the homeowner, so you will be involved in the decision making process as well.
If it is decided that a loan workout is possible, the mortgage counselor will coordinate and formalize the agreement. They will work closely with you and assist with filling out any applications or forms that may be required by the mortgage servicer or lender to move forward. The most common solution to a mortgage crisis will be a loan modification, reduction in interest rate, or the homeowner may need to enter into some other assistance program.
NID-HCA Legal Services
In addition to the foreclosure counseling, free legal advice and assistance is offered to homeowners who are undergoing or close to foreclosure. Legal Services are available for free and can benefit all qualified NID-HCA clients who receive mortgage and/or foreclosure related counseling. Attorneys that are part of the NID-HCA Legal Services team will partner with the Housing Rights Advocates Team, and together these two parties will work closely with NID-HCA mortgage counselors to reach the best results for the client.
To learn more about your the foreclosure assistance program, dial 877-964-3422 more more information or to apply.