Family and Consumer Sciences

Live Smart Ohio

Ohio State University Extension

Foreclosure

Stress and Foreclosure – Episode Five of Healthy Living Resources

Healthy Living Resources is a new telecast presented by the Family and Consumer Sciences program specialists that will focus on health, wellness, and the impact that stress has on our lives. Whether it be financial struggle, or chronic disease management, stress can creep up as a result of many of the day to day events […]

How Can I Spot and Avoid Foreclosure Scams?

If you have trouble making payments on your home, be careful so you do not become the victim of a home foreclosure scam. Scammers may target you through publications, on-line advertising, flyers, or by phone. HOW TO SPOT FORECLOSURE SCAMS Here are some warning signs that may help you prevent foreclosure scams: • A request […]

WRITTEN BY: Pat Holmes, CFCS, M.S.

REVIEWED BY: Carlie Boos, Ohio Housing Finance Agency

SOURCES:

  • Board of Governors of the Federal Reserve System http://www.federalreserve.gov/consumerinfo/fivetips_foreclosure.htm
  • Consumer Financial Protection Bureau http://www.consumerfinance.gov/
  • Federal Trade Commission http://www.consumer.ftc.gov/articles/0100-mortgage-relief-scams
  • Ohio Attorney General Mike DeWine http://www.ohioattorneygeneral.gov/Individuals-and-Families/Consumers/Foreclosure/Foreclosure-Rescue-Scams
  • Ohio Housing Finance Agency https://ohiohome.org/
  • Save the Dream http://www.savethedream.ohio.gov/
  • USA.gov https://www.usa.gov/housing-scams
  • U.S. Department of Housing and Urban Development http://portal.hud.gov/hudportal/HUD?src=/topics/avoiding_foreclosure
  • http://www.hud.gov/offices/hsg/sfh/hcc/fc/
  • http://portal.hud.gov/hudportal/HUD?src=/i_want_to/talk_to_a_housing_counselor

How should I prepare to meet my housing counselor?

So you have made an appointment to meet your housing counselor. But now you want to be prepared for the meeting. What should you bring? The advice of a housing expert from a HUD-approved housing counseling agency can be invaluable to homeowners struggling to make payments. Homeowners can call 888-995-HOPE for free expert help. Housing counselors […]

WRITTEN BY: Nancy Stehulak

REVIEWED BY: Amanda Woods, Carlie Boos

PHOTO CREDITS:

  • Pixabay.com

SOURCES:

  • www.HUD.gov
  • www.makinghomeaffordable.gov
  • www.safethedream.ohio.gov

What if I Don’t Want My House Anymore?

Guilt. Remorse. Sadness….and maybe elation if this payment doesn’t need to be made anymore. The realization that you will no longer be a homeowner has become very clear. As a homeowner, you may have decided that it is time for a dignified end to your role as a homeowner. For others, it is time to […]

WRITTEN BY: Nancy Stehulak, M.Ed, Extension Educator, Ohio State University Extension

REVIEWED BY: Carlie Boos, Ohio Housing Finance Agency

PHOTO CREDITS:

  • Pixabay.com

SOURCES:

  • The Consumer Financial Protection Bureau; www.consumerfinance.gov
  • www.experian.com;

Are there options to help me avoid foreclosure?

There is no question that the possibility of facing foreclosure can be an overwhelming time for many homeowners.  That being said, it is important to understand that as a homeowner, you have the power to take steps to avoid foreclosure in many cases.  The U.S. Department of Housing and Urban Development, or HUD, provides a […]

WRITTEN BY: Amanda Woods, Healthy Finances Program Specialist, Family and Consumer Sciences, Ohio State University Extension

REVIEWED BY: Melanie Hart, Family and Consumer Sciences Educator, Ohio State University Extension, Greene County

Should I Contact My Mortgage Servicer?

What is a mortgage servicer and why should you contact them? Knowing the answers to the questions and understanding their role in your mortgage may be the key to avoiding or solving mortgage problems. Mortgage servicing companies are often hired by mortgage lenders to handle the day-to-day activities involved with mortgages. The lender and mortgage […]

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