Are you a homeowner who is falling behind on your mortgage payments? Are you worried that you might receive notification of possible foreclosure action by your loan holder? Foreclosure is frightening; we might be able to help.

The Way Home is a HUD-certified Housing Counseling agency that provides foreclosure counseling free of charge. There are no fees for our services except if filing for a credit report is necessary. We can assist homeowners facing foreclosure in many ways. For example, we can:

• explain the foreclosure process, the steps necessary to work with the mortgage holder, and your rights
• help you evaluate your options to re-establish financial stability
• offer strategies to avoid similar situations
• assist in working with the mortgage holder
• determine if and how to protect your home's equity
• offer information to protect you from foreclosure rescue scams
• structure debt management and repayment programs
• refer you to other community resources

The type of mortgage you have, your income, and your reasons for being delinquent all affect the options your lender might be able to offer to avoid foreclosure. Don't be afraid: take action!

You can apply online for a counseling appointment to get help with foreclosure prevention or homeowner budget counseling.

To apply for a foreclosure prevention counseling appointment:

Download and complete both forms below and email the completed forms to Mari DeBlois, Housing Counseling Specialist: This e-mail address is being protected from spambots. You need JavaScript enabled to view it .

If you need help completing or emailing either form or have other questions, please call Mari at 603-644-0180, ext. 226.

• Foreclosure Prevention Counseling Application Form and Homeowner Budget Counseling Application Form (Microsoft Word document)
• Income Statement (Microsoft Word document)