Foreclosure Help in West Virginia

Foreclosure is a very difficult financial problem to be faced with. Whether due to the loss of income or the unexpected increase of expenses, falling behind on your mortgage is a problem many Americans are dealing with. The good news is that there are many resources at your disposal that can assist and guide you through this difficult process, and even help you keep your home. Let us have a look at some of the steps and organizations that can help you.

Prevention is better than cure and the faster you act the higher the likelihood of keeping your home. If you are facing financial difficulty or are falling behind on your mortgage, there are several important steps you need to take.

  1. Speak to your loan provider. Your first step in preventing foreclosure is to promptly communicate with your lender if you are behind on your mortgage or find yourself unable to make a payment. These discussions can facilitate the restructuring of your payment plan to reduce your interest rate and lower your monthly payments. If necessary, the postponement of regular payments can also be considered to help you get through a difficult time. Be forthcoming and honest with your lender and make sure to answer calls and emails to help with this process. If they are unable to reach you, they may opt to proceed with foreclosure.
  2. Get some good advice. There are several state and federal counseling options available to you. These professionally trained counselors will assess your situation and advise you on what steps to take.
    • Homeowners facing potential foreclosure can also call the HOPE NOW toll-free at hotline at 1-888-995-HOPE (1-888-995-4673) or visit their website at  This hotline forms part of the HUD approved counselors, investors and mortgage lenders that can provide valuable information and resources to help prevent foreclosure. This service is free of charge.
    • Several counseling agencies in West Virginia specialize in foreclosure assistance. Many of these HUD approved agencies provide their service for free or at a very low cost. Their services include foreclosure prevention, debt reduction, budgeting and credit repair. Since foreclosure prevention needs a holistic approach, these agencies also offer mortgage delinquency and default resolution counseling, predatory lending education workshops, free foreclosure prevention, financial management/budget counseling, pre-purchase homebuyer counseling and education workshops. Below is a selected list of agencies that you can contact for help. For more information, visit the Need Help Paying Bills

Have a specific question about Avoiding Foreclosure in West Virginia? Check out our Foreclosure FAQ’s section.

Consumer Credit Counseling Services                              West Virginia     (Phone: 1 (800) 431-8157)
Housing Authority Of Mingo County                                Delbarton            (Phone: 304-475-4663)
Homeownership Center, Inc.                                               Elkins                     (Phone: 304-636-6495)
Fairmont Housing Authority                                                Fairmont              (Phone: 304-363-0860-105)
Safe Housing & Economic Development, Inc.               Kimball                 (Phone: 304-585-7419)
Housing Authority of The County Of Greenbrier         Lewisburg            (Phone: 304-645-4966)
Community Resources, Inc.                                                 Parkersburg        (Phone: 304-485-5525)
Change, Inc.                                                                               Weirton               (Phone: 304-797-7733)
Family Service Credit Counseling                                       Wheeling             (Phone: 304-232-6733)