Other Resources
Homeless resources
If you've exhausted all resources and are in need of a place to stay, reach out for assistance. The U.S. Department of Housing and Urban Development, along with other federal agencies, funds programs to help people who need help. These programs provide a range of services, including shelter, food, counseling, and even jobs skills programs. Visit www.hud.gov/homeless/ for more information.
A search site for landlords and tenants that provides an easy way to find or list rental housing. http://www.virginiahousingsearch.com/
Improving Your Credit
For information on how a foreclosure affects your FICO score, visit www.myfico.com/crediteducation/questions/Foreclosure-FICO-Score-Affect.aspx
Virginia Employment Commission
Provider of employment related services in the Commonwealth of Virginia. www.vec.virginia.gov/vecportal/index.cfm
Virginia Department of Medical Assistance Services
DMAS is the agency that administers Medicaid and the State Children’s Health Insurance Program (CHIP) in Virginia. The CHIP program in Virginia is called Family Access to Medical Insurance Security. http://dmasva.dmas.virginia.gov/default.aspx
Nationwide Mortgage Licensing System & Registry
A free service for consumers to confirm that the mortgage company or mortgage professional with whom they wish to conduct business is licensed in their state. http://www.nmlsconsumeraccess.org/
Customizable Mortgage Clinic Workbook
For use by non-profits, lenders and others to distribute to their customers. Customizable Mortgage Clinic Workbook
Attorney General of Virginia - Consumer Protection
http://www.oag.state.va.us/Consumer Protection/index.html
Fannie Mae's - ConozcaSusOpciones.com
http://www.knowyouroptions.com/
Fannie Mae has premiered "Las Opciones de los Casas," a teleseries for the Spanish-speaking community designed to educate homeowners about their options to avoid foreclosure, empower them to make informed decisions and motivate them to take action and seek help.
Through a partnership with Univision, the teleseries debuted in Miami on March 28, coinciding with the one-year anniversary of Fannie Mae's South Florida Mortgage Help Center. "Las Opciones de Los Casas" is part of the company's "Know Your Options" initiative to help struggling homeowners.
"The Latino community has been disproportionately affected by the housing crisis, and at Fannie Mae we are committed to helping all families stay in their homes and avoid foreclosure," says Jeff Hayward, senior vice president of Fannie Mae’s National Servicing Organization. "[This teleseries] is a powerful tool to help Spanish-speakers understand their options to avoid foreclosure and to make them familiar with the different outcomes of these options, whether it's staying in their homes or finding the right housing somewhere else."
Modeled on a telenovela, "Las Opciones de los Casas" portrays a family and their closest friends as they navigate financial hardships in a number of scenarios in their neighborhood. The series gives a realistic view of a range of options for avoiding foreclosure, including repayment plans, modifications and short sales. "Las Opciones de los Casas" also warns homeowners to protect themselves against scams, showing them that mortgage help should always be free.
