Do you have concerns about your mortgage? Read more to find state, local and national organizations that provide information and resources to help you stay in your home.

Local:

Piedmont Housing Alliance

Visit the Piedmont Housing Alliance site to get local information on home ownership and financial management.

Foreclosure Policy Recommendations For The City Of Charlottesville

Review the results of the Neighborhood Planning Workshop undertaken by students in the School of Architecture at The University of Virginia in the fall of 2008.

State:

Department of Housing and Community Development (DHCD)

You can visit the Virginia DHCD’s Foreclosure Help site for more information on avoiding foreclosure and/or finding a counselor. This site’s extensive information includes tips for preventing a foreclosure, how to avoid foreclosure “rescue” scams, and links to other helpful sites and documents.

On the DHCD site, you’ll also find the Virginia Foreclosure Prevention Task Force, which reports:

Virginia’s foreclosure starts rate trails the national rate, and further declined to 42nd lowest in the 2nd Qtr. of 2010—down from a rank of 17 in the 2nd Qtr. of 2008.

In the 2nd Qtr. of 2010, serious delinquencies—the total of 90-day delinquencies plus loans in foreclosure—were still very high, but declined from their peak in the 4th Qtr. of 2009. This reflected the increasing exit of troubled loans from lender portfolios through foreclosure, short sale or deed-in-lieu of foreclosure. These loans had remained for an extended period in loss mitigation—thereby driving up the earlier serious delinquency rate—but were unable to be successfully modified.

National

National Association of REALTORS®

The HouseLogic Foreclosure Guide offers a wealth of resources to assist if you're facing a foreclosure, or if you just want to help. Here you can find information on what to do if you can't make your payments, alternatives to foreclosure, and how to get back on your feet if you've already faced a foreclosure. For those looking to help, you can get information on how you can help as well as read about families in foreclosure.

Mortgage Bankers Association

Ready to make a call to your lender? Be sure to review the 12 Things You Should Know When You Call Your Lender (PDF). The Mortgage Bankers Association also provides this guide (PDF) to help you better understand the language of foreclosures.