Resources for homeowners facing foreclosure

Forms and compliance tools for the mortgage industry pros (not homeowners).

Figures out quickly you can pay off a credit card at a given monthly payment -- and how much it'll cost you.

Web site that guesses at your home's current value using an "Automated Valuation Model" (AVM).

Web site that guesses at your home's current value using an "Automated Valuation Model" (AVM).

"Mortgage Professor" Jack Guttentag's explanation of how various scams work.

Another directory of state foreclosure laws.

Web site where people buy and sell used items. Useful for determining the likely value of your personal property.

Searchable directory of local credit, housing, and debt counselors, "primarily community-based nonprofit groups".

Short, government-sponsored list of links to sites with anti-foreclosure information.

Press release from RealtyTrac.com with ranked list of all 50 states. (Doesn't list metro areas: See RealtyTrac's quarterly report for that.)

A cooperative project of NeighborWorks and The Homeownership Preservation Foundation.

Program from dinkytown.net shows a graph of how monthly payments affect a mortgage loan.

The Homeownership Preservation Foundation is a nonprofit group that provides free phone counseling at 888-995-HOPE.

Government-sponsored directory of non-profit organizations offering free (or cheap) advice and resources.

Government department "to help FHA homeowners by working with lenders to find creative solutions to avoid foreclosure."

Form documenting your past income tax returns -- useful for negotiating workouts or mortgage loans. (Link goes directly to PDF download.)

List of places where you might be able to advertise your home for a "quick sale" to an investor.

HotPads.com's "Foreclosure Heat Maps," available down to the ZIP code level.

Figures out how long you'll have to carry private mortgage insurance (PMI).

NeighborWorks is a "federally affiliated organization" created by the U.S. government that offers face-to-face counseling and referrals when needed.

Zoomable maps of information on the U.S. economy, particularly as it relates to housing, income, and mortgages. Requires registration.

Details on a program that protects members of the military on active duty from foreclosure.

Web site that produces a property's full title report, including records of liens and transfers, for a fee.

Searching for "foreclosure" in the gov't.-sponsored site may help you find state and local programs that can help.

Useful for determining traffic -- and therefore judging market exposure -- for FSBO Web sites.