Foreclosure Information
Are you late paying your monthly mortgage statement?

Are you behind on your mortgage payments?

Have you received letters or legal documents from your lender/servicer?

As Home Ownership Advisors we may be able to assist you in carrying out the best  
possible options with dignity and respect, regardless of the final outcome.

Services we offer:
  • Assess homeowners' circumstances and explain all options
  • Develop a household budget
  • Establish the best plan of action
  • Negotiate with the lender/servicer to assist both parties in arriving at a mutually
    beneficial resolution
  • Referrals to low/no- cost legal or other social services
  • Provide ongoing (money management and credit ) counseling to maintain or better
    homeowners financial position
  • Ensure homeowners are safe from false "rescue scams"

All services are FREE, except credit reports which cost $17.00 for one person; $34.00 for
two for a tri-merge report.


For a list of documents needed please go to
Foreclosure Documents

Email home ownership advisor with questions
Home Ownership Advisor

Questions about the Homeowner Affordability and Stability Plan?
Visit this website for more information
Home Owner Affordability and Stability Plan

Independent Foreclosure Review
ACRHA can help you determine if you qualify for an Independent Foreclosure Review.  If your
primary residence began the foreclosure process in 2009 and/or 2010 through one of the
participating servicers and you believe you suffered financial injury, you may be eligible for
compensation or other remedy.   For participating servicers, eligibility information, and
answers to frequently asked questions, visit  To
see a sample of the request forms and instructions on how to complete them,
click here.  If
you believe you are eligible and have misplaced the Request for Review Form, call 1-888-
952-9105.  You must request an original form with a bar code specific to your case.  You
cannot make copies.  ACRHA staff is available to help you with the process.
To view flyer
click here
Albany County Rural Housing Alliance is a partner of HomeSave. HomeSave is a
fair lending initiative that helps homeowners prevent and solve problems with
delinquent or costly mortgages.
Click on any of the participating agencies for more information.