Welcome to the Virginia Mortgage Clinic Online!

We hope this website will provide you with the information you need to prevent a foreclosure on your home or to recover from one, as well as make a decision that suits your situation.

It’s important to get in touch with your lender as soon as possible when you start having trouble making house payments. In many cases contacting a lender early in the process will make it easier for you to work out a plan to help you get back on track, depending on your situation and how far behind you are.

Also, be careful who you go to for advice, and beware of scam artists or people trying to take advantage of your situation. Working with a Certified Housing Counselor is a good way to make sure the advice you receive is accurate, reliable, and appropriate. You can find a Certified Housing Counselor near you by using our Housing Counselor Search tool. Remember, some housing counselors may charge a fee, so be sure to ask whether their services are free when you contact their office.

For more detailed information about preventing a foreclosure on your home, please click on each of the topics listed in the left navigation bar. Remember, the sooner you act, the better your chance of saving your home.