Disaster Relief Resources

This free fact sheet is designed to help you assist homeowners in your community to access benefits and protections to help them save their homes from default and foreclosure. The resources listed in this fact sheet are legitimate statewide or national programs available to disaster-impacted homeowners at low or no cost.

These organizations offer free, hands-on help to hurricane affected homeowners.

Affordable Housing Centers of America

1-888-409-3557 or [email protected]

• The Affordable Housing Centers of America offer many housing programs, including Home Equity Loss Prevention program (HELP). Housing counselors are available nationwide to help homeowners prevent foreclosure. The agency negotiates with major lenders to create an affordable repayment plan, loan modification, or forbearance plan.

Louisiana Road Home

1-888-ROAD-2-LA (1-888-762-3252 or .(JavaScript must be enabled to view this email address))

• Louisiana Road Home program
  This program helps Louisiana residents access state funds to rebuild their homes damaged by hurricanes. Funds are available even to homeowners who do not plan to stay in Louisiana. Homeowners who remain in their home five or more years will not have to repay state funds. Homeowners must apply to be eligible for Road Home money. Housing Counselors are available in English and Spanish. Road Home materials are available in multiple languages.

National Fair Housing Alliance (NFHA)

• Hurricane Relief Project
  These groups will negotiate on behalf of Gulf area homeowners to resolve mortgage delinquencies with lenders, and receive fair and reasonable insurance settlements. They also work to prevent construction fraud and ensure fair access to loans and insurance in the rebuilding process.
  • Greater New Orleans Fair Housing Action Center 1-877-445-2100
  • Gulf Coast Fair Housing Center (Biloxi) 1-228-396-4008
  • Center for Fair Housing (Mobile) 1-251-479-1532

Mississippi Center for Legal Services

1-877-664-0238 or 1-800-498-1804

• Mississippi Foreclosure Moratorium
  The state of Mississippi has a ban on foreclosures for all hurricane affected homeowners. That means no bank, mortgage company or other lender can foreclose on a Mississippi homeowner until October 2007.
  
  Homeowners must file paperwork (an affidavit) with the court to be eligible for relief. The court may create a more manageable repayment schedule for homeowners during the moratorium. Mississippi Center for Legal Services will assist homeowners through this process. Some materials are available in Spanish.
  
  For state moratorium information contact Mississippi Deputy Attorney General Mike Lanford 1-601-359-3680

National Foundation for Credit Counseling (NFCC)

1-800-388-2227

To find a CCCS office in your area go to www.nfcc.org

• Click on “Take the First Step”
• Add your zip code or state to search

Many Consumer Credit Counseling Services (CCCS) in the Gulf region will intercede with lenders to help hurricane-affected homeowners prevent foreclosure and obtain a loan modification, at no charge. CCCS of Mobile has taken the lead in Southwestern Alabama.

Contact: CCCS of Mobile at 1-888-880-1416 or www.cccsmobile.org. Check with your local offices for materials in other languages.

NeighborWorks America

1-888-995-HOPE (4673) or www.hpfonline.org

Homeownership Preservation Foundation

This network of local affiliates offers free housing counseling nationwide through its 24 hour a day telephone hotline. An individualized foreclosure prevention plan can be developed through face to face counseling. Rescue loans are available in some states to help homeowners bring mortgages up to date. Counseling and materials are available in English and Spanish.

Published / Reviewed Date

Published: March 14, 2007

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Foreclosure   ♦   Housing   ♦   Mortgages   ♦  

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