How NACA can help save your home

Homeownership can bring pride and a sense of success. However, it can also result in stress and worry. Homeowners in Georgia who are struggling to pay the mortgage, whether because of increasing interest rates, change in income or unexpected bills, may fear they will lose their home. However, there are a number of state and federal programs that are designed to help people stay in their home and avoid foreclosure.

The Georgia Department of Law says the first thing homeowners should do when they come into financial trouble is seek legal help and speak with their lenders about possibly changing the terms of the loan in the short term until their financial situation improves. It also recommends contacting a number of free resources whose mission is to help people keep their homes. One such program is the Neighborhood Assistance Corporation of America (NACA). As a non-profit agency, it provides free counseling and seminars for those at risk of losing their homes. 

NACA also has a Home Save Program for homeowners whose initial lenders will not work with them. This program is designed to help struggling owners by finding an affordable solution. NACA's agreement with the major lenders allows the organization to restructure the original mortgage. This may include reducing the principal of the loan and/or permanently lowering the interest rate. Doing this can reduce a homeowner's mortgage payment by hundreds of dollars each month. While this may sound too good to be true, it is a legitimate program that is backed by the federal government. If you are struggling to pay your mortgage, contact NACA for an initial counseling session and see if they can help.

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