Local Housing Counseling Agencies Deliver FREE Help to Struggling Homeowners
Foreclosure Prevention Events Planned Throughout Northeast Ohio
CLEVELAND, OH – June is National Homeownership Month. Yet the foreclosure crisis has made homeownership a fragile prospect for many families across northeast Ohio.
In April there were more than 2,000 homes in foreclosure in Cuyahoga County alone. That is why local housing counseling agencies want to remind homeowners that there is FREE help available to help them hold on to their American Dream.
Throughout the month of June struggling homeowners can get free advice and assistance from local HUD-approved, non-profit foreclosure prevention counselors at special foreclosure prevention outreach events.
June 12, 4-8:00 p.m.
631 East 222nd Street
Euclid, OH 44123
June 14, 4-8:00 p.m.
1370 Victory Drive
South Euclid, OH 44121
June 19, 4-8:00 p.m.
7001 West Ridgewood Road
Parma, OH 44129
June 21, 4-8:00 p.m.
University of Akron Lakewood
1415 Warren Road
Lakewood, OH 44107
June 26, 4-8:00 p.m.
Family Life Center
13455 Dressler Ave
Garfield Heights, OH 44125
Whether they’ve lost their job, suffered an illness, death of a spouse or some other form of financial difficulty there is often a way to keep borrowers in their home. At the events they can sit down and talk one-on-one with local counselors who are trained to help them find the right solution for their individual needs. Services offered will include:
- Foreclosure prevention counseling
- Homebuyer education
- Financial counseling and education
- Delinquent property tax solutions
In addition to housing counselors, representatives from the following lenders will be on hand to assist customers directly:
- JPMorgan Chase
- PNC Bank
- First Federal of Lakewood
- Bank of America
No appointment is necessary and all counseling services are absolutely free.
In order to get the most out of their visit to the foreclosure prevention events homeowners are recommended to review the attached document checklist and bring materials to help counselors and lenders determine for which programs they qualify. Documents include proof of income, expenses, taxes and insurance, mortgage and bank statements.
For more information about the foreclosure prevention events, the services available and local housing counseling agencies homeowners can contact any of the agencies listed below or call United Way 2-1-1 First Call for Help.
Neighborhood Housing Services of Greater Cleveland
Cleveland Housing Network
Community Housing Solutions
Empowering and Strengthening Ohio’s People
Home Repair Resource Center
Homeowner Document Checklist
We cannot accept original documents. We cannot make copies for you. You must provided single sided, unstapled copies of each document listed.
- Paystubs showing year to date earnings for all jobs for the last eight (8) weeks for all wage earners living in the home
- Unemployment insurance benefits
- Determination of Unemployment Compensation Benefits document from ODJFS (initial award letter) with benefit year beginning and ending dates
- Last 8 weeks of Unemployment Benefit Payment statements and/or payment summary from ODJFS
- Most current Social Security and/or pension award letters
- Most current food stamp verification
- Alimony/child support payment verification
- Self-employed and/or landlords
- Profit/loss statement for past 6 months—signed and dated
- Signed lease agreement
Federal income taxes
- Filed federal 1040s (signed) and all schedules from most recent 2 years
- W-2s and 1099s for past 2 years
Property tax and homeowner insurance
- County property tax bill or tax bill summary from county auditor’s website for current year
- Declarations page of your current homeowners insurance policy
- Most recent monthly statement from your mortgage company
- If you are in foreclosure please request a Reinstatement Letter (states past due balance) from lender or lender’s attorney
- Mortgage (filed with your county recorder)—this is the document that secures your house as collateral that was signed when you closed on your loan. At a minimum, we need the following 3 pages: first, signature, and that which contains the legal description of the property
- All pages (even if blank) of last 2 months checking and savings account statements. Statements must include name, address, account number, account type, statement period date, and deposit transactions
- If you do not have a checking account you must provide a signed statement indicating this
- Self-employed and/or landlords - Most recent 6 months business and personal checking and savings—all pages (even if blank)
- Current gas or electric bill (all pages)
- Hardship Letter—a brief, signed, dated, and detailed account of what event(s) occurred that has resulted in your inability to maintain your current mortgage payment
- Documents verifying event(s) which created hardship e.g., medical bills, divorce decree, disability determination, etc.
- Reaffirmation Agreement--If you filed a Chapter 7 Bankruptcy and reaffirmed your current home loan
- Notice of discharge of Chapter 7 and/or 13 bankruptcy filings which were filed after loan was closed
Restoring Stability application
- Complete and print the PDF generated by the website. Spouse’s information must be included and they must sign all documents, even if he/she is not a co-borrower. Go to www.restoringstability.org for information and to begin.
Loan origination documents—if available
- HUD-1 Settlement Statement
- Truth-in-Lending Disclosure
- Good Faith Estimate