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Tools for the Homeowner

How to Find and Contact Your Lender or Loan Servicer

Don’t know who your lender/servicer is?

• Check your monthly mortgage billing statement.
• Check your payment coupon book.

Don’t know how to reach your lender/servicer?

• Check your phone book.
• Search on the Internet.
• If you are having trouble finding a Nonprofit HUD Approved Housing Counseling Agency, see Topic 1 Finding a HUD Approved Housing Counseling Agency for details.
• Use the Loan Servicer List on the following page.

Does Fannie Mae or Freddie Mac Own Your Loan?

Find out at:

Fannie Mae 1-800-7FANNIE (8am to 8pm EST) www.fanniemae.com/homeaffordable

Freddie Mac 1-800-FREDDIE (8am to 8pm EST) www.freddiemac.com/avoidforeclosure/

CALL YOUR MORTGAGE COMPANY/SERVICER IF YOU KNOW YOU’LL BE LATE AND ALWAYS RETURN THEIR CALLS!!

Stress Relief

Suggestions when you are experiencing financial stress:

Restore emotional, spiritual and intellectual balance essential to your well-being and to a successful reconstruction of your life, your dreams and your future by following these tips.

Suggestion # 1: Communication

• Communication – Talk to your friends, spouse, someone you trust.
• It is best to include another person in your thinking when the thinking affects him or her.
• If you are single, then confide in a close friend or your clergy person or keep a journal.

Suggestion # 2: Write

• Write stuff down; seeing information in black and white can take on a totally new meaning.
• Read what you have written.Often times seeing information in written form makes a situation more manageable, doable and workable.
• Make a list of positives in your life such as your spouse, your children, your health, your vehicle, etc.

Suggestion # 3: Organization

• Get organized and stay organized.
• Invest in files, folders or large envelopes and label them.
• Once you have established a protocol for yourself, continue to follow it.
• This will help you feel better about yourself and your situation because you have more control.
  

Suggestion # 4: Time

• Take time for yourself
• It does not have to be expensive or time consuming.
• It can be as simple as sitting back with your feet up with a cup of hot tea.
• Take 5 or 10 minutes alone every day or every other day for yourself.
• People with many other people dependent on them rarely have time alone. It is important to your mental health to relax, clear your mind, recharge and get back into the thick of things.

Suggestion # 5: Exercise

• Research has proven that exercise is a great tonic for stress.
• Take 10 minutes every day or every other day to walk, stretch, and dance or move in any way you can.

Suggestion # 6: You

• Take care of yourself by limiting alcohol intake.
• Take part in things you enjoy that are legal and within your budget.
• Keep your doctors’ appointments; take your medications as prescribed.
• Get extra rest if possible.

Suggestion # 7: Spirituality

• Embrace spirituality in the way you feel comfortable and that is positive to you.

Suggestion # 8: Shame

• This can be a very powerful, negative force – do not let it get the best of you.
• Recognize it for what it is and respect it, but do not allow it to overcome you.

Suggestion # 9: Professional Help

• Seek professional help at any time you feel the need.
• Check your company’s Human Resource Department for a list of services.
• Many employers provide employees with free or low costs access to professional counselors (possibly up to 10 sessions).
  

CALL YOUR MORTGAGE COMPANY/SERVICER IF YOU KNOW YOU’LL BE LATE AND ALWAYS RETURN THEIR CALLS!!

Let’s work together!

Derek O’Toole

Helping Hands Solution AZ