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Is Renter Counseling Right for You?

People are having trouble keeping up with monthly rent payments because of rent increases.

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6 Helpful Steps to Take when Facing Foreclosure

Take a look at these 6 helpful steps to take when facing foreclosure. 995Hope is here as trusted resource for homeowners during this time.

995Hope - First Time Homeowner

First Time Homeowner? Use these Steps to Prepare Your Finances

Homeownership is an American dream worth pursuing. For the first time homeowner, this article is a great resource.

995Hope Housing Budget

Your Housing Budget: 5 Tips to Manage Today’s Financial Challenges

Today’s financial challenges such as rapidly rising prices for everyday items might cause some people to put owning a home on hold.

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Generation Z: Where Homeownership Dreams Meet Financial Realities

Younger generations typically set their sights on achieving key milestones, which might include building an independent life, exploring and getting underway with a career, and eventually, buying a home.

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Resources for Seniors Facing Housing Challenges

Studies show that many older Americans face the looming possibility of foreclosure or eviction.

995Hope Renters

Can’t Pay Your Rent? Explore Rental Assistance and Housing Counseling Resources

Rental Assistance Resources It can be a confusing time now that COVID rental protections have ended.  While 995 HOPE does not directly administer rental assistance programs or offer financial support to renters, we suggest people use the following resources to research rental assistance options.  Find rental assistance programs in your state. https://www.hud.gov/states  U.S. Treasury directory [...]
995Hope Housing Relief

How to Get on Solid Ground after Housing Relief Ends

If it feels like mortgage and renter’s relief extensions are a “moving target” it’s because that’s the reality we’ve been experiencing for a year and a half. COVID-era programs have been ongoing to help consumers with rental relief through the Emergency Rental Assistance and now homeowners via the Homeowner Assistance Funds, as well as forbearance/and [...]
Loan Modification

What to Know about Loan Modification

An estimated 2.2 million homeowners holding 4.47% of the nation's mortgage loans are currently in forbearance, according to data from the Mortgage Bankers Association.  While most lenders and loan servicers have been willing to work with homeowners during the pandemic, the latest announcements show that relief protections are set to end at the end of July 2021.   With [...]
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Taking the Next Step after Forbearance Ends

People relying on COVID related forbearance relief are watching what programs will be extended as we navigate the ongoing pandemic.