The following is a list of websites that will help you if you own a home or are considering purchasing a home.

National Housing Counciling Information

Founded in 1951, the National Foundation for Credit Counseling (NFCC), Inc., promotes the national agenda for financially responsible behavior and builds capacity for its Members to deliver the highest quality financial education and counseling services. The NFCC is the nations largest and longest serving national nonprofit credit counseling network, with more than 100 Member agencies and nearly 850 offices in communities throughout the country. Each year, NFCC Members assist more than 3.2 million consumers, helping many to drive down their debt and take control of their finances.
www.nfcc.org

Learn About Making Home Affordable

The Home Affordable Refinance Program gives up to 4 to 5 million homeowners with loans owned or guaranteed by Fannie Mae or Freddie Mac an opportunity to refinance into more affordable monthly payments. The Home Affordable Modification Program commits $75 billion to keep up to 3 to 4 million Americans in their homes by preventing avoidable foreclosures.
http://www.makinghomeaffordable.gov

Are You Qualified for a Making Home Affordable Modification?

If you can no longer afford to make your monthly loan payments, you may qualify for a loan modification to make your monthly mortgage payment more affordable. Millions of borrowers who are current, but having difficulty making their payments and borrowers who have already missed one or more payments may be eligible.
http://www.makinghomeaffordable.gov/modification_eligibility.html

Foreclosure Avoidance Counciling

Foreclosure prevention counseling services are provided free of charge by nonprofit housing counseling agencies working in partnership with the Federal Government. These agencies are funded, in part, by HUD and NeighborWorks® America. There is no need to pay a private company for these services.
http://www.hud.gov/offices/hsg/sfh/hcc/fc/

Does FannieMae Own YOUR Loan?

The Fannie Mae Loan Lookup enables mortgage borrowers to quickly determine if Fannie Mae owns their loan by providing a street address, unit, city, state, and ZIP code.
http://loanlookup.fanniemae.com/loanlookup/

Beware Before Using Loan Modification Services!

Before considering engaging the services of any loan modification or foreclosure rescue service, look for any actions filed against such entities by the Department of Real Estate.
http://www.dre.ca.gov/cons_drs.asp