RESIDENTIAL HOUSING COUNSELING AGENCY

Foreclosure Prevention, Mortgage Delinquency & Default Counseling

Residential Housing Counseling Agency (RHCA) helps you to get back on track if you have fallen behind with your mortgage payments.   Our trained counselors are experts in foreclosure prevention and can discuss available options for curing your delinquent home loan and create an action plan for successful homeownership. 

Foreclosure Prevention services are available by appointment with one of our counselors.

RHCA is NOT a lending institution nor do we have funds available for homeowners. Our function is to educate you about all the options that are appropriate in your situation and help you decide which one to pursue.

RHCA counselors will go over your income, expenses, and debts. Then we will help you determine the best alternatives you have for improving your housing situation within your means.

RHCA can help you contact your current lender to start the process. If you decide to apply with any other lenders or programs, you will need to contact them directly. We do NOT have applications. We also do not refer to any particular lenders or real estate professionals. We will empower YOU to make those decisions.

How RHCA Can Help You

•Assess your mortgage situation

•Explain various workout options that may be available

•Provide budget counseling and develop a crisis budget to present to your lender

•Assist with submitting a request for a loan modification

•Facilitate with communication between you and your lender

•Help you understand your individual correspondence related to your mortgage

•Define mortgage terms and program guidelines

•Provide you with additional resources and referrals

Counseling Topics

•Foreclosure Timeline

•Loss Mitigation Programs

•Financial Analysis

•Prepare Action Plan

•Speak to your lender

IMPACTING THE LIVES OF PRINCE GEORGE'S COUNTY FAMILIES