Although there is some concern about why the Hope Now hotline hasn’t helped more people, if you’re in trouble with your loan, or about to be in trouble, you should call (888) 995 HOPE, which is the federal mortgage loan mitigation program.

You might also want to try going to Whether you are in foreclosure now or worried about it in the future, the Department of Housing and Urban Development (HUD) can help. They have a “Guide to Avoiding Foreclosure” that you can download. Or call 1 (800) 225-5342 to see what options FHA can offer you.

Dec. 24, 2008