Frequently Asked Questions

Answers

What should I do if I get behind on my house payment?

As soon as you know you won’t be able to make your payment, take the following steps:

Call your lender. Ask for the loss mitigation department. Be honest about your situation so the lender can give you the best options. If your lender does not help you, call Save the Dream Ohio at (888) 404-4674.
Stay in your home. If you leave your home, you may lose some of your rights. Also, vacancy can lead to vandalism, and you could be held responsible for those damages
Open your mail. Government and non-profit agencies may mail you information to help you keep your home.
Beware of scams. There are companies who will promise to help you for a fee, but often they take your money and do nothing. For more information or to report scams, click here or contact the Attorney General’s Help Center at (800) 282-0515. For referral to a government-approved housing counseling agency who will work with you for free, contact Save the Dream Ohio at (888) 404-4674.