Making ends meet is getting harder and harder these days. It seems that everything is going up except wages. Unfortunately, too many people have been affected by today's economic environment and face the possibility of losing their homes. Wondering where to turn? The numbers and email addresses below are useful resources for answers and guidance. 

HUD at (800) 569-4287, (877) 483-1515, or visit the HUD website which has helpful information on avoiding foreclosure

HOPE NOW, a cooperative effort of HUD mortgage counselors and lenders to assist homeowners: (888) 995-HOPE or www.hopenow.com

NeighborWorks America: www.nw.org/network/home.asp

Federal mortgage modification and refinancing programs: www.makinghomeaffordable.gov 

The Controller of the Currency's consumer information site for banking-related questions: www.helpwithmybank.gov

OCC Customer Assistance Group: www.occ.gov/customer.htm

Federal Trade Commission: www.ftc.gov/bcp/edu/pubs/consumer/homes/rea04.shtm

Federal Reserve Board: http://www.federalreserve.gov/default.htm