Thousands of people in the St. Louis Metro Area will face foreclosure this year.
Beyond Housing is responding to this crisis by providing services for those currently at risk of losing their home through foreclosure.
Call314-533-0600, ext. 22
Call to make an appointment with a Foreclosure Counselor.
Appointments are required.
With help from Linda at Beyond Housing, my son and I can stay in our home. Don’t wait to get help!
Our trained foreclosure prevention counselors can help you:
- Understand your mortgage
- Evaluate your monthly income and expenses
- Seek options to help you avoid foreclosure
- Negotiate with your mortgage company to stay in your home through a temporary crisis
- Experience a “soft landing” if you decide not to keep your home
To learn more about our services, please call 314-533-0600, ext 22
Download forms to complete before you meet with a Foreclosure Counselor
HOW CAN BEYOND HOUSING’S FORECLOSURE INTERVENTION COUNSELORS ASSIST ME?
- Beyond Housing’s counselors can assist you in several ways. Housing counselors will help you assess your situation and explain the various options you have available to you.
- We will also help you create a “crisis budget” to help you get through your financial hardship.
- We will help you put together a workout and send it to your mortgage company.
- We also communicate with your lender throughout the process and advocate on your behalf.
HOW DO I MAKE AN APPOINTMENT TO SPEAK WITH A HOUSING COUNSELOR?
- To make an appointment, call our department coordinator at 314-533-0600, ext. 22.
- The coordinator will ask you a brief series of intake questions so that we can learn more about your situation.
- She will then send you out a packet of paperwork that needs to be completed and returned.
- Once we have a complete packet, the coordinator will set up an appointment for you to meet with a housing counselor.
HOW MUCH DO YOU CHARGE FOR YOUR SERVICES?
- We provide our services free of charge and are funded by HUD and the National Foreclosure Mitigation Counseling Program, which was established by Congress to address the national foreclosure crisis.
WHY DO I NEED TO COMPLETE PAPERWORK BEFORE MEETING WITH MY HOUSING COUNSELOR?
- It is crucial that we receive a complete packet of paperwork from you prior to your counseling session.
- Our housing counselors review your information before meeting with you. This gives the housing counselor the opportunity to evaluate your information for various programs.
- When we have the paperwork ahead of time, we can also send a packet to your mortgage company shortly after meeting with you.
DO YOU PROVIDE FINANCIAL ASSISTANCE TO HOMEOWNERS WHO ARE BEHIND ON THEIR MORTGAGE?
- Sometimes, we have access to a modest amount of “rescue funds” for qualified homeowners who have overcome the hardship and can make mortgage payments.
- There are several requirements you will need to meet to qualify for funds.
- The only way for us to know if this is an option for you is to get a complete packet of paperwork and meet with you for a counseling session.
I’VE MET WITH MY HOUSING COUNSELOR, NOW WHAT?
- Now that you’ve met with your housing counselor, you should continue to follow up with your assigned counselor and let them know about any changes to your situation and/or any communication from your mortgage company.
- If we sent paperwork to your mortgage company on your behalf, you will also need to follow up with your mortgage company once every couple of weeks to check on the status of your application.
I SPOKE WITH A COMPANY THAT PROMISED THEY COULD LOWER THE INTEREST RATE ON MY MORTGAGE OR MODIFY MY LOAN. HOW DOES YOUR ORGANIZATION DIFFER FROM THIS COMPANY?
- Beyond Housing is a HUD-Certified Agency and a not-for-profit organization that has been doing work in the community for over 35 years. Our foreclosure counseling is FREE.
- There are many “for profit” companies that make a lot of promises about what they can do for you and charge you a fee for their services. Only the mortgage company can modify your loan.
- If a company is charging you to work on a modification and promising you a certain result, they are scamming you.Stay away from any organization asking you for money or making promises that seem “too good to be true”.
Foreclosure Intervention Services Intake Form
Beyond Housing is HUD Certified Counseling Agency #81120. Please complete this form and submit it on-line. Required fields are marked with an *. Once we have reviewed the form, we will contact you within 3 business days about the next steps to take.
Learn More About The Options Available To Help You Avoid Foreclosure:
Learn More About Who Owns Or Guarantees Your Loan:
If You Believe You Have Been Treated Unfairly Or Have A Complaint Against Your Lender, There Are Several Agencies To Which You Can Submit Info.
- The Office of the Comptroller of the Currency (OCC) regulates most of the largest banks in our country. You can file a complaint here against your lender.
- If your servicer is not regulated by the OCC, you can file a complaint here with The Federal Trade Commission.
- The Consumer Financial Protection Bureau is a new agency set up by the Obama administration to protect consumer interests. You can file a mortgage complaint here.
- You can also contact the Missouri Attorney General to file a complaint.
Learn How You Can Demand Information About Your Mortgage From Your Mortgage Company.