Counseling Disclaimer

We cannot guarantee that you will be able to refinance your home or arrange to keep your home.

The information presented in your housing counseling session and in any follow-up communications is based on information you provided.  We do not guarantee the applicability, accuracy, availability, or your eligibility for any product, service or program mentioned.

Housing counseling is NOT a substitute for legal advice from a licensed attorney, or tax and financial advice from an accountant.  We recommend you see a qualified attorney or accountant to help you understand how the law applies to your particular circumstances.

Not all homeowners qualify for refinancing or mortgage loan modifications.  Any decision to refinance your home or modify your mortgage will be made by your lender and will vary depending upon individual situations such as the current terms of your mortgage and your ability to meet the terms of your modified or new mortgage.  We recommend that homeowners continue making mortgage payments until refinancing or a loan modification, if available and applicable, is approved.