Keeping Your Home, Protecting Your Investment. Cómo retener su casa, Cómo proteger su inversión

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2 Keeping Your Home, Protecting Your Investment Cómo retener su casa, Cómo proteger su inversión Learn The Steps You Can Take Today Aprenda los pasos que puede tomar hoy

3 Don t risk losing your home or jeopardizing your credit when there s help available. You can t always predict life s challenges. Sometimes unexpected events can dramatically impact your budget. If you are having trouble making your mortgage payments because of a job loss or illness, or because your bills are overwhelming you, there is help available. At Freddie Mac, we help make homeownership a reality for 10,000 people each day. But our commitment to homeownership doesn t end with the purchase of a house. We re also committed to helping you keep your home, protecting your investment. In an effort to help you get your mortgage back on track, Freddie Mac has retained the Housing Education Program to provide you with free financial and housing counseling. They are ready to help you work with your lender to find a solution that s right for your individual situation. Don t risk losing your home or jeopardizing your credit when there s help available. Learn what steps you can take today. Call the Housing Education Program

4 No se arriesge a perder su casa o a poner en peligro su crédito cuando tiene ayuda disponible. Usted no siempre puede predecir los golpes de la vida. Algunas veces, eventos inesperados pueden afectar abruptamente a su presupuesto. Si está teniendo dificultades para hacer sus pagos hipotecarios por perdida de empleo o por causa de una enfermedad, o porque sus cuentas le están abrumando, hay ayuda disponible. En Freddie Mac, cada día ayudamos a 10,000 personas a hacer realidad la compra de una vivienda. Pero nuestra dedicación a la compra de viviendas no termina con la compra de una casa. También nos hemos comprometido a ayudarle a retener su casa y a proteger su inversión. En un intento por ayudarle a ponerse al día en el pago de su hipoteca, Freddie Mac ha contratado al Housing Education Program para ofrecerle asesoramiento financiero y de vivienda. Estos consejeros están listos para ayudarle a trabajar con su prestador hipotecario para encontrar una solución apropiada a su situación personal. No se arriesge a perder su casa o a poner en peligro su crédito cuando tiene ayuda disponible. Aprenda los pasos que puede tomar hoy. Llame al Housing Education Program

5 You ll work with trained housing counselors who will show you solutions to meet your individual circumstances. When you contact the Housing Education Program, you ll work with trained housing counselors who will show you solutions to meet your individual circumstances. They ll be able to discuss a number of options with you, including the following: Forbearance. You may be permitted to pay less than the full amount due for a period of time. At the end of the forbearance, another workout option may be approved or the loan would be reinstated. Repayment Plan. You may be permitted to repay the total amount you are behind over the course of several months. Loan Modification. Your lender may amend the terms of your mortgage to assist in curing the delinquency. Sale. If you can no longer afford your home, a specific amount of time may be allowed to find a purchaser and pay off the total amount owed. If the property s sales value is not enough to pay the loan in full, your lender may be able to accept less than the full amount owed. These are just a few of the options that you may discuss with the counselors at the Housing Education Program. There are a number of ways to correct your delinquency while minimizing the damage to your credit. Note: All programs are subject to borrower qualification. While keeping your home is our shared goal, it may not be the only solution.

6 Va a trabajar con consejeros entrenados que le enseñarán soluciones para sus circunstancias personales. Cuando usted se pone en contacto con el Housing Education Program, va a trabajar con consejeros entrenados que le enseñarán soluciones para sus circunstancias personales. Con ellos podrá discutir varias opciones, entre ellas las siguientes: Indulgencia de morosidad. Le permitirán pagar en varios meses la cantidad total que tiene atrasada. Al final del periodo de indulgencia de la morosidad, se podría aprobar otra opción o se repondría el préstamo. Plan de reembolso. Le permitirán reembolsar la cantidad total adeudada, en el transcurso de varios meses. Modificación del préstamo. Su prestador puede enmendar los términos de su hipoteca para ayudarle a salir de su estado de mora. Venta. Si ya no puede hacer más los pagos de su casa, tal vez le concedan una cantidad específica de tiempo para encontrar un comprador y liquidar la suma total que adeuda. Si el valor de venta de la propiedad no es suficiente para liquidar el préstamo por completo, su prestador tal vez pueda aceptar una suma menor que el total adeudado. Estas son solo unas pocas de las opciones que puede discutir con los consejeros del Housing Education Program. Hay varias maneras de corregir su morosidad al mismo tiempo que al mínimo el daño a su crédito. Nota: Todos los programas están sujetos a que el prestatario califique para ellos. Aunque la retención de su casa es la meta que compartimos, tal vez no sea la única solución.

7 We re committed to helping you keep your home, protecting your investment. You may have the misconception that the lender wants to take your home back through foreclosure. This is not true. Lenders are simply interested in seeing that payments are made each month as outlined in the mortgage terms. As a general rule, lenders only begin foreclosure when all efforts to resolve the delinquency fail. Buying a house is just the first step to owning a place you can call home. Don t risk losing your home or jeopardizing your credit when there s help available. The worst thing you can do is nothing. Call the Housing Education Program today. Learn what steps you can take today. Call the Housing Education Program

8 También nos hemos comprometido a ayudarle a retener su casa y a proteger su inversión. Usted puede tener la idea errónea de que el prestador hipotecario quiere quitarle su casa valiéndose de una ejecución hipotecaria. Esto no es cierto. Los prestadores que trabajan con Freddie Mac únicamente están interesados en ver que les hagan los pagos todos los meses, tal como se acordó en los términos de la hipoteca. Como regla general, los prestadores solo emplean la ejecución hipotecaria cuando han fallado todos los intentos por resolver la mora. Comprar una casa es solo el primer paso para tener un lugar que usted pueda llamar mi hogar. No se arriesgue a perder su hogar o a poner en peligro su crédito cuando hay ayuda disponible. Lo peor que puede hacer es no hacer nada. Llame hoy mismo al Housing Education Program. Aprenda los pasos que puede tomar hoy. Llame al Housing Education Program

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