"After I was laid off from my job and I had my first child, I knew I
was in a bad position. When my lender started foreclosure proceedings,
Iowa Mortgage Help got involved. The process was very smooth and my rep
stayed in contact with me, and even afterward called to make sure everything
was going okay."
-- Zakiya Jenkins
"In August 2006, my husband and I were notified by the mortgage company
that our rate was going to adjust. I contacted them about locking in a
rate, only to be told that they wouldn't be able to help. Our house
payment went up $700/month. We struggled to put gas in our vehicles to
get to work and to buy groceries. Then, a friend gave me the number to
Iowa Mortgage Help. We are convinced that without the vast knowledge and
assistance of Iowa Mortgage Help, we would have lost our home."
-- John & Andrea Davison
"I don't know what I would have done without the help of Iowa Mortgage Help. After a long and expensive battle with medical bills, I faced foreclosure of a home that has been in my family for over 100 years. I was finally able to get a successful loan modification and a payment I can afford in order to take care of my home. I'd have lost everything if it wasn't for their assistance."
-- Rebecca Swyers
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During your initial call, the counselor will ask you a series of questions about your current situation. Please remember that the counselor can provide the best assistance only if you give truthful, accurate information. When you call, please have a list of your major monthly bills. Also have at hand your most recent pay stubs and other documents that indicate income you receive on a regular basis. Most importantly, please have your mortgage payment statement handy, including your mortgage loan number.
After the initial assessment, the counselor will determine the best course of action given your individual situation. He or she may refer you to a local counseling agency or he or she may recommend that you receive counseling directly from Iowa Mediation Services. Regardless of what organization you work with, services are free and confidential.
These documents are available only for people who have already received counseling from an IMH counseling agency or have scheduled an appointment for counseling. If you have not yet contacted IMH to begin counseling, click here to get started.