Free Mortgage Default Clinic to Help Homeowners Avoid Foreclosure

Everyone has questions about their mortgage these days.  And more than half of those questions have to do with avoiding a bad situation -- like foreclosure.

Well, First Federal, Family Services, Inc. and Trident United Way are reaching out to Lowcountry homeowners who are in danger of losing their homes with a free Mortgage Default Clinic.  The clinic will be held on Saturday, January 10th from 9 a.m. - 3 p.m. at the First Federal Corporate Center at 2440 Mall Drive in North Charleston.

The purpose of the clinic is to provide solutions for homeownerswho are falling behind on their mortgage payments or facing circumstances that threaten their ability to maintain homeownership.  

All homeowners are invited to attend regardless of their lender, and all will receive personal assistance with a one-on-one Housing and Urban Development (HUD) counselor who may be able to provide options to foreclosure.  Homeowners can review their situations with representatives from South Carolina Legal Services, Mortgage Advocates, Consumer Credit Counseling, Family Services, First Federal and Trident United Way.

Clinics are scheduled for 9 a.m., 11 a.m., 1 p.m. and 3 p.m. and no appointment is necessary.  Anyone attending is are encouraged to chose the most convenient time and bring the following documentation:

• most recent statement from your lender
• legal papers from attorneys related to foreclosure (Lis Pendens if applicable)
• a recent pay stub from all homeowners on the mortgage
• most recent bank statement, recent utility bill and 2007 tax returns

If you have any questions or would like more information, please call the Family Services Homeownership Resource Center at 843-744-1348 or dial 2-1-1, a hotline operated by the Trident United Way.