Foreclosure Prevention Counseling

UpSide413, in partnership with the U.S. Department of Housing and Urban Development, CHAPA, and Division of Banks, offers comprehensive Foreclosure Prevention Counseling to distressed homeowners in Berkshire County. Our aim is to provide expert guidance, support, and resources to help you navigate the complexities of foreclosure and explore all available options to retain your home and achieve financial stability.

Our counseling services cover a wide range of critical areas, including but not limited to:

• Federal and State Foreclosure Laws: Detailed information on the legal framework governing foreclosures to help you understand your rights and obligations.
• Forbearance: Assistance with negotiating temporary relief from mortgage payments, giving you time to regain financial footing.
• Loan Modification: Guidance on modifying the terms of your mortgage to make payments more affordable.
• Reinstatement and Payment Plans: Strategies to bring your mortgage current through lump-sum payments or structured plans.
• Sale and Short Sale: Support in selling your home to avoid foreclosure, including short sale options where the sale proceeds fall short of the owed amount.
• Deed-in-Lieu of Foreclosure: Information on how you can avoid the foreclosure process.
• Soft Landing Options: Linkage to housing search resources and navigating rights as a tenant post foreclosure. See also more on Housing Search Assistance and Housing and Legal Counseling for tenant’s rights after foreclosure.
• Budgeting: Personalized financial counseling to help you manage your budget and improve your financial health.

At UpSide413, we are dedicated to empowering homeowners with the knowledge and support needed to make informed decisions and take proactive steps toward resolving their mortgage difficulties. Whether you are struggling with your mortgage payments, facing potential foreclosure, or simply need guidance on your options, our experienced counselors are here to assist you.