WHAT WE DO:

Offer guidance, education and assistance in an effort to help Pinellas County, Florida, residents avoid foreclosure and retain ownership of their homes. Individual counseling opportunities are provided to review the home owner's current situation and discuss options for resolving the problem(s). There is no cost to participate in the program.

WHO IS ELIGIBLE:

Pinellas County residents who own and occupy the property as their primary residence. Any home owner is able to speak to a counselor regarding the foreclosure process. In some limited cases, the home owner may qualify for an emergency loan to bring their mortgage current. Meeting the guidelines of the loan committee is required for emergency loan approval.

HOW TO REACH US:

Call the HomeBuyers Club at (727) 446-6222 (leave a message on extension 21 after business hours). After an initial assessment of the borrower's situation, a meeting may be scheduled for further counseling. Be prepared to bring financial documents including mortgage information, recent pay stubs and bank statements.

IS MY CREDIT AN ISSUE?

Our primary focus is helping you keep your home and avoid foreclosure. However, if you are pursuing a workout plan with your lender or applying for the emergency loan, your current income compared with expenses must demonstrate that you have the potential to make regular timely mortgage payments.

ADDITIONAL HELP:

You may also want to request information we have regarding FHA, VA and conventional workout plans, bankruptcy, the foreclosure process and budgeting workshops.

Remember, don't delay! Ignoring the problem won't make it go away. It's important for the home owner to act quickly while the problem is still manageable.