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MY FICO |
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www.myfico.com/Default.aspx |
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Credit is a common concern for most of us and even more so in cases where money is tight. There are resources to help you understand what makes up a credit score, what affects a credit score and what you can do to maintain good credit.
*Be advised that as a lender/servicer we are required to report the current status of your loan. Any missed payments or any loss mitigation option will have an effect on your credit.* |
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COUNSELING |
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www.hud.gov/offices/hsg/sfh/hcc/hcs.cfm |
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There is help available to you. The U.S. Department of Housing and Urban Development (HUD) has provided an extensive list of HUD approved credit counseling agencies to help evaluate your situation and address your needs. They will work with you to develop a budget, provide recommendations to free up cash flow and in some cases provide housing counseling assistance. |
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SAVE THE DREAM |
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http://www.savethedream.ohio.gov/ |
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This site provides information to help you understand the foreclosure process, counseling resources and other useful information. You may also contact Save the Dream at (888) 995-HOPE. |
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UNDERSTAND THE FORECLOSURE PROCESS |
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http://portal.hud.gov/portal/page/portal/HUD/topics/avoiding_foreclosure |
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If you are faced with foreclosure there is help available. You are encouraged to continue to have contact with your lender/servicer so that we may evaluate the situation and determine if we can avoid foreclosure and help you retain your home. |
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KNOW YOUR OPTIONS |
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http://www.knowyouroptions.com/ |
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There is a wealth of information at your fingertips to help you through this difficult time. Take advantage of the resources available to help you understand the process. If you have specific questions regarding specific options, contact First Federal of Lakewood. |
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HOME LOAN LEARNING CENTER |
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www.homeloanlearningcenter.com/default.htm |
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A great stop for financial literacy, the true cost of owning a home and becoming aware of options available to you when faced with a hardship situation. |
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UNEMPLOYMENT |
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www.ows.doleta.gov/unemploy/ben_entitle.asp |
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Learn more about filing for unemployment, estimating your monthly benefits and get answers to some of your questions. |
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BUDGETING |
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https://powerpay.org/ |
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Manage your debt with this online, user friendly tool. Set goals, create a spending plan and devise a method to help you pay down your debt. |
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COUNTY RESOURCES |
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Visit your county’s webpage to learn about programs and other resources available. Also visit our Community Links for more resources in your city. |
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MAKING HOME AFFORDABLE |
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http://www.makinghomeaffordable.gov/ |
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Developed by HUD and the US Treasury, this site will give you information and answers regarding the Home Affordable Modification Program. |
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FINANCIAL STABILITY |
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www.treasury.gov/initiatives/financial-stability |
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This site will provide information on TARP funds, the role of the US Treasury, taxes, grants, housing finance reform, recovery act, Making Home Affordable and so much more. This site also provides links to other government bureaus. |
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FIRST CALL FOR HELP |
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http://www.211cleveland.org/ |
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“United Way’s 2-1-1, Serving Cuyahoga, Geauga, Medina, Wayne, and Holmes Counties. 2-1-1 is a free community service you can use to get information about social, health and government resources 24 hours a day, every day. Simply dial 2-1-1 or browse our online directory below to find the resources you need.” |
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