TALK WITH A
HUD-APPROVED COUNSELOR
Housing counseling agencies can pro-
vide guidance on buying a home, rent-
ing and reverse mortgages. Housing
counselors can also provide information
regarding default and foreclosure pre-
vention.
A HUD-approved housing counselor will
be able to:
• Discuss your financial situation and
help you decide the best options for
homeownership.
• Explain what documents you need to
provide to your mortgage agency and
may be able to contact the mortgage
company on your behalf.
• Help you make a budget that will show
you how to meet your monthly mort-
gage payments and other expenses.
• Provide budget and financial manage-
ment.
• Inform you about other local resources
to assist you.
HOW TO PREVENT FRAUD
Verify the company you are working with is
properly licensed by vising the Division of
Mortgage Lending at www.mld.nv.gov or
NMLS at www.nmlsconsumeraccess.org/
Do not be pressured into signing a contract
without reading AND understanding it rst.
Get everything in wring.
Beware of companies asking for upfront
fees.
AVOID
Any business that guarantees to stop a
foreclosure process.
Any business that instructs you not to
contact your lender, lawyer, or credit
or housing counselor.
Any business that encourages you to
sell your house and lease it back.
Any business that recommends you
make your mortgage payments direct-
ly to them, instead of your lender.
Any business that urges you to trans-
fer your property or deed to them.
FILE A COMPLAINT
If you think you have been a victim of mort-
gage fraud or an unscrupulous loan modifica-
tion specialist, you are encouraged to file a
complaint with the Division of Mortgage
Lending.
You may file online and email supporting doc-
uments at http://mld.nv.gov. You may also fill
and mail or fax the printable form available at
the Division website. Supporting documents
must be included and may be submitted by
mail, fax or email.
Complete the form as thoroughly as
possible including:
• Facts of the case
• Dates of any transactions
• Names of persons spoken to
• Supporting documents such as
signed contracts, cancelled checks
and receipts for payments
LOCATE A HUD-APPROVED
HOUSING COUNSELOR NEAR YOU
ONLINE OR BY PHONE:
https://www.hud.gov/offices/hsq/sfh/hcc/hcs.cfm
(800) 569-4287