Getting Your Mortgage Back on Track

Job loss, divorce, illness or financial crisis can have a devastating effect on your home. Our trained Counselors will help you evaluate your options based on your circumstances. Help is Just a Click Away!! Your home is often your most valuable asset, and the thought of losing it can certainly bring tamanduas stress to one’s life. If you are behind on your mortgage payments, what you do next can make the difference between saving your home and losing it to foreclosure. At FHRC our certified foreclosure counselors are here to help. We offer free guidance to discuss your mortgage situation and help you find a solution.


Post-Purchase Counseling

FHRC is a HUD-certified housing counseling agency capable of providing assistance to clients seeking help with various housing issues such as predatory lending, loss mitigation, and foreclosure prevention.

Foreclosure Prevention

Foreclosure FAQ`s

Can I stop my foreclosure once it starts?

At any point in the foreclosure process before the sale date you may come to an agreement with your lender to pay the past due balance bring your mortgage to current status.


How long does a foreclosure take?

In Ohio, the foreclosure process can take anywhere from six to 18 months or longer.


How long will a foreclosure action or bankruptcy stay on my credit report?

A foreclosure stays on your credit report for seven years, and a bankruptcy stays on for 10 years. The impact of both to your credit score will decrease over time. For more information about credit reports and your credit score, visit the Federal Trade Commission online here.


I rent my home and think my landlord is in foreclosure. Does the law protect me?

Tenants who live in foreclosed residential properties are allowed to stay in their homes until they are given at least 90 days advance notice to vacate, with the buyer as the new landlord. Moreover, if the tenants have a current lease, they are entitled to stay until their current lease expires, unless the buyer or some subsequent purchaser intends to move into the home and make it their primary residence – in which case, the tenants still must be given at least 90 days advance notice to vacate before they can be required to move out.


Should I stay in my home if a foreclosure action has been filed against me?

Yes. Stay in your home as long as possible. Keep it in good condition. Some banks decide not to go through with a foreclosure action, which would mean you would still be responsible for your home.


A company says it will review my loan documents for a fee. Should I pay?

No. Never pay for foreclosure assistance—real help is available for free. Scammers might ask you to send money so that so-called experts can review your files. After you pay, however, you’ll receive a fake document that only looks as if it’s been filed with the court. For real foreclosure assistance, contact Save the Dream Ohio at (888) 404-4674.

Additional Resources

Contact a Certified Housing Counselor today!

At FHRC our certified foreclosure counselors are here to help. We offer free guidance to discuss your mortgage situation and help you find a solution.

Contact us today!