NEED HELP NOW? | 912-877-4243

Mortgage help

Mortgage Default and Foreclosure Prevention

If you are behind on your mortgage payments, our certified housing counselors can help you get back on track. Our goal is assist you to avoid foreclosure on your home. We will work with you to:

  • Establish a budget and set priorities to establish a course of action to address the problem or need
  • Promote alternatives and determine strategies for saving your home within HUD guidelines
  • Identify additional resources that may be available and used to resolve your housing crisis

Foreclosure prevention counseling is currently available FOR FREE. Our staff has the expertise and to serve in consumers’ best interests. *

* NOTE: These services are very different from for-profit loan modification “specialists” who charge high, advanced fees to, frequently, do little or nothing to help the homeowner in need of help.

Mortgage Default Programs

If you are struggling to make your monthly mortgage payments, there are programs available to give the homeowner a "hand-up" and may prove to provide temporary and/or permanent financial relief for the household as they move forward to regain their economic footing. For example:

What is Making Home Affordable?

The Making Home Affordable Program  (MHA) ® is a critical part of the Obama Administration's broad strategy to help homeowners avoid foreclosure, stabilize the country's housing market, and improve the nation's economy.

For more info about MHA and the requirements, go to

What is HomeSafe Georgia?

HomeSafe Georgia is a federally funded program designed to assist homeowners who struggle to pay their mortgage due to unemployment or underemployment through no fault of their own. HomeSafe Georgia will help by providing "bridge" mortgage assistance to many Georgians who meet the program's eligibility guidelines and requirements. HomeSafe Georgia provides up to 18 months of temporary mortgage payment assistance for the homeowner and send the monthly payments directly to the lender. Since HomeSafe Georgia began in April 2011, more than 2,000 Georgians have received assistance to help them make their mortgage payments until they find work.

Beware of Foreclosure Rescue Scams - Help Is Free!

Q: What are some of the warning signs of scams or fraud?

A: The following are some warning signs of foreclosure rescue scams and fraud

  • There should never be a fee for assistance with or information about the Making Home Affordable Program.
  • Beware of any person or organization that asks you to pay an upfront fee in exchange for a counseling service or modification of a delinquent loan. Do not pay – walk away!
  • Beware of anyone who says they can "save" your home if you sign or transfer over the deed to your house. Do not sign over the deed to your property to any organization or individual unless you are working directly with your mortgage company to forgive your debt.
  • Never make your mortgage payments to anyone other than your mortgage company without their approval.
  • The Obama Administration has launched a coordinated effort across federal and state government and the private sector to target mortgage loan modification fraud and foreclosure rescue scams that threaten to hurt American homeowners and prevent them from getting the help they need during these challenging times.

Q: What should I do if I’ve been scammed?

A: The following are a few steps to take immediately to report your situation:

  • First, get the help you need to avoid foreclosure. Contact your servicer immediately.
  • Contact JCVision and Associates, Inc., a HUD-approved housing counselor toll free: 1-866-902-4266

To learn about foreclosure rescue scams, go to the following websites and to file a complaint or to get free information on fraud and other consumer issues: